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Jefferson Capital(NASDAQ) JCAP

Market Cap$1.24BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2025)+24%
5 YearN/A
1 Year+22%
1 Month+3%
$21.45
-1.02%
-0.22Today
Jefferson Capital last closing stock price
MetricPriceDate
Last closeUSD 21.672026-09-08
Jefferson Capital stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+4.84%USD 20.672026-09-01
1 month+3.23%USD 20.992026-08-07
3 month+36.66%USD 15.862026-06-10
Year to date+0.68%USD 21.522025-12-31
1 year+21.83%USD 17.792025-09-08
Since inception+24.27%USD 17.442025-06-26

Jefferson Capital Financials at a Glance

Market Cap

$1.24BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$659.62M

Net Income (TTM)

$155.02M

EPS (TTM)

$2.58

P/E Ratio

8.39

Dividend

$0.96

Beta (Volatility)

0.97 (Low)

Price

$21.45

Volume

20,070.589

Open

$21.61

Previous Close

$21.67

Daily Range

$21.43 - $21.73

52-Week Range

$15.50 - $24.44

Estimated Earnings Date

Nov 12, 2026

JCAP News

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Jefferson Capital Revenue Up 47% in Q2

Motley Fool Markets TeamAug 14, 2025

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About Jefferson Capital

Jefferson Capital, Inc. helps people settle unpaid bills. The company buys old debt and helps consumers repay it. This process lets individuals clear their financial obligations.

What Jefferson Capital Does

  • Distressed Debt: Buying and collecting consumer loans that lenders have written off as a loss; the largest business line.
  • Insolvency Services: Managing accounts for people in legal bankruptcy or credit counseling; available in the U.S., Canada, and the U.K.
  • Portfolio Revenue: Money earned from debt recovery and future collection estimates; provided 93.1% of total revenues in the second quarter of 2026.
  • Servicing Revenue: Fees for managing debt collections on behalf of third-party lenders; represented 6.0% of total revenues in the three-month period ended June 30, 2026.

Expansion Across Global Markets

  • Bluestem Portfolio: Purchased in 2026, adding $218.2 million to estimated future collections as of June 30, 2026.
  • Credit Facility: Amended in April 2026 to increase the total borrowing limit to $1.15 billion.
  • Debt Offering: Issued $500.0 million in 8.250% senior notes in May 2025 to pay down outstanding debt.
  • Registration Statement: Filed in July 2026 to allow the potential sale of $100.0 million in new securities.

Competitive Edge in Recovery

The company uses proprietary statistical models to value debt portfolios accurately and limit the risk of overpaying. These models help Jefferson Capital manage collections across diverse international markets. The firm operates in the United States, United Kingdom, Canada, and Latin America to diversify its recovery streams.

Key Figures and Performance

  • Total revenue was $177.5 million in the three-month period ended June 30, 2026, up 16.2% year over year.
  • Estimated remaining collections (ERC) reached $3.36 billion as of June 30, 2026, a 17.9% increase year over year.
  • Net income was $41.3 million during the quarter ended June 30, 2026, a 13.3% decrease year over year.
  • Portfolio purchases totaled $152.2 million in the second quarter of 2026, up 21.5% year over year.

Company Evolution

Jefferson Capital has evolved into a global provider of debt recovery and insolvency services. Its focus on international expansion and data-driven valuations supports long-term collection goals across multiple continents.

AI Generated • Aug 14, 2026

Industry

Consumer Finance

Sector

Financials

Employees

1,120

CEO

David M. Burton

Website

www.jcap.com

Headquarters

Minneapolis, MN 55426, US

JCAP Financials

Key Financial Metrics (TTM)

Gross Margin

78.48%

Operating Margin

41.81%

Net Income Margin

23.50%

Return on Equity

33.84%

Return on Capital

14.46%

Return on Assets

7.44%

Earnings Yield

11.92%

Dividend Yield

4.43%

Payout Ratio

39.69%

Stock Overview

Market Cap

$1.24BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

57.43M

Volume

20.07K

Avg. Volume

359.17K

Financials (TTM)

Gross Profit

$517.67M

Operating Income

$275.77M

EBITDA

$258.67M

Operating Cash Flow

$224.86M

Capital Expenditure

-$1.03M

Free Cash Flow

$223.83M

Cash & ST Invst.

$20.41M

Total Debt

$1.41B

Jefferson Capital Performance Analysis

Jefferson Capital annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20242024-12-31USD 433,341,000N/A
20252025-12-31USD 613,289,00041.5%
Jefferson Capital sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30-1.4%
Q32025-09-30-1.2%
Q12026-03-3114.0%
Q22026-06-300.6%
Jefferson Capital annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20242024-12-31USD 2.21N/A
20252025-12-31USD 6.26183.1%
Jefferson Capital sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-301826.4%
Q32025-09-30-96.1%
Q12026-03-314.6%
Q22026-06-30-1.5%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$177.54M

+16.3%

Gross Profit

$200.61M

+88.1%

Gross Margin

1.13%

N/A

Market Cap

$1.24BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.11M

N/A

Employees

1,120

N/A

Net Income

$41.30M

-13.3%

EBITDA

$84.55M

-5.0%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$20.41M

-60.5%

Total Debt

$1.41B

+18.5%

Accounts Receivable

$1.98B

+21.5%

Inventory

$0.00

N/A

Long Term Debt

$1.11B

-6.5%

Short Term Debt

$300.00M

N/A

Return on Assets

7.44%

N/A

Return on Invested Capital

15.46%

N/A

Free Cash Flow

$42.72M

-42.8%

Operating Cash Flow

$43.25M

-42.5%

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Questions About JCAP

What is the current price of Jefferson Capital?

Jefferson Capital is trading at $21.43 per share.

What is the 52-week range for Jefferson Capital?

Over the past 52 weeks, Jefferson Capital has traded between $15.50 and $24.44.

How much debt does Jefferson Capital have?

As of the most recent reporting period, Jefferson Capital reported total debt of $1.41B.

How much cash does Jefferson Capital have on hand?

Jefferson Capital reported $26.05M in cash and cash equivalents in its most recent financial results.

What is Jefferson Capital’s dividend yield?

Jefferson Capital currently has a dividend yield of 4.43%.

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