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JEFFERSON CAPITAL INC

JCAPNASDAQ
πŸ† #2312 by market capEarnings Nov 12US Equity
$20.30β–² $0.87 (+4.48%)
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24hβ–² 4.5%
7dβ–Ό 2.0%
14dβ–Ό 2.1%
30dβ–² 6.2%
ytdβ–Ό 9.2%
1yβ–² 8.0%
🏦Market Cap
$1.17B
Small Cap
πŸ“ˆRevenue Growth (YoY)
41.5%
High Growth
πŸ“ŠGross Margin
78.5%
High
πŸ’΅FCF Margin
33.4%
Strong
βš–οΈP/S Ratio
1.7x
Cheap
Otter Score
88
Excellent

Trading Snapshot

Day Range
$19.82 – $20.30
52-Week Range
$15.50 – $24.44
Volume (shares)
2,533
Avg Volume (shares)
β€”
Shares Outstanding
57.4M
Next Earnings
2026-11-12

Fundamentals Snapshot

Annual Revenue
$613M
Last Q Revenue
$178M
P/E Ratio
7.3
P/S Ratio
1.7x
EPS (TTM)
$2.79
Dividend Yield
4.94%
Dilution (1yr)
+0.0%
JCAP logo

JEFFERSON CAPITAL INC

JCAP
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$613Mβ–² +41.5% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
67.8%β–Ό βˆ’4.8% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$316Mβ–² +43.7% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$268Mβ–² +65.3% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
58.3Mβ–² +0.0% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$1.7Bβ–Ό βˆ’$506M YoY
StockOtter Β· stockotter.space

About JEFFERSON CAPITAL INC

Jefferson Capital, Inc. is a company that specializes in financial recovery and debt resolution services, operating across the United States, the United Kingdom, Canada, and Latin America. Its primary business involves acquiring large bundles of consumer debt that have previously been written off by original lenders. These portfolios of defaulted accounts are purchased at significantly reduced prices compared to their original value. The company then works directly with individuals to help them settle their obligations and progress towards financial rehabilitation. The types of consumer debt Jefferson Capital manages include, but are not limited to, credit card balances, both secured and unsecured automotive loans, and outstanding bills from telecommunications and utility providers. Additionally, the company extends its expertise to credit originators, offering loan administration and other portfolio management services specifically for their non-performing loans. Established in 2002, Jefferson Capital, Inc. is headquartered in Sartell, Minnesota.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Excellent
88/100

Analyst Ratings

β“˜
Consensus
Buy
13 analysts
Strong Buy4
Buy8
Hold1
Sell0
Strong Sell0
Ratings as of Oct 2026

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