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JCAP

Jefferson Capital, Inc. Common Stock

JCAP

NASDAQ·Financial Services·Financial - Credit Services·Mkt cap $1.1B

$18.82

-4.03%

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Our plain-language verdict, the thesis, risk factors, and what is changing about the business.

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52-Week Range

$15.50 - $23.80

P/E

6.70

Fwd P/E

6.80

Beta

0.15

Div Yield

4.90%

Avg Vol

294.9K

Shares Out

55.3M

Mkt Cap

$1.1B

Price action

Price chart

Up 8.9% over the trailing year

1W
1M
3M
6M
YTD
1Y
5Y
MAX

Total returns

Price performance

Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.

Why we rate it this way

The thesis at a glance

Bull and bear case · plain-English context across the five lenses we evaluate.

Bull Case

3 reasons

  • Deep discount acquisition of charged-off receivables creates significant margin potential
  • Established operational infrastructure and expertise in multi-jurisdictional debt recovery
  • Consumer-focused approach balances collections with financial recovery support

Bear Case

2 risks

  • Low volatility (beta 0.2).
  • Growth premium of 0.6x vs Digital Payments peers. Reasonable for this growth rate.

Growth

Stable outlook

Expansion into emerging markets and new geographic regions

Value

Growth premium of 0.6x vs Digital Payments peers. Reasonable for this growth rate.

Momentum

Stable

+0.9% over 3m

Quality

Excellent

High-growth business (30% revenue growth, 67% gross margin). Profitable with strong growth momentum.

Dividend

Solid

4.90% yield

Earnings track record

Recent earnings results

AI-summarized recap of last quarter, plus the surprise on every print.

Next: Aug 12, 2026

Q2 26 RECAP

JUN 11, 2026

Reported EPS of $0.73 vs $0.80 consensus (-8.8% surprise). Revenue of $176.4M vs $169.3M expected (+4.2%).

EPS miss
Rev beat +4.2%

EPS surprise · last 4Q

1 of 2 beats

Q2 26

-8.8%

Q2 26

+4.0%

Next: Aug 12, 2026

Revenue trend · last 8Q

+55%

+47%

+36%

+30%

+14%

Q2 24

Q3 24

Q4 24

Q1 25

Q2 25

Q3 25

Q4 25

Q1 26

$103.8M

$110.6M

$118.9M

$154.9M

$152.7M

$150.8M

$154.8M

$176.4M

Margins · last 8Q

Gross

Operating

Profit

21.3%

Wall Street consensus

Analyst coverage

Live ratings and price targets aggregated across covering analysts.

No analyst coverage on file for this stock yet.

vs Industry

How JCAP stacks vs Financial - Credit Services

Stock metrics vs industry averages. Green = better than industry.

Industry comparison data unavailable for this stock.