JEFFERSON CAPITAL INC

JCAPNASDAQ

🏆 #1777 by market capEarnings Aug 13US Equity

$21.08▼ $0.01 (−0.05%)

🌙 After hours$21.17▲ 0.43%Regular close · extended-hours price shown

1h—

24h▼ 0.1%

7d▲ 3.2%

14d▲ 3.6%

30d▲ 11.8%

1y▲ 20.1%

🏦Market Cap

$1.30B

Small Cap

📈Revenue Growth (YoY)

+41.5%

High Growth

📊Gross Margin

66.8%

High

💵FCF Margin

40.3%

Strong

⚖️P/S Ratio

2.0x

Cheap

Otter Score

Weak

Trading Snapshot

Day Range: $20.87 – $21.47
52-Week Range: $15.50 – $23.80
Volume: $5.12B
Avg Volume: $3.63B
Shares Outstanding: 61.6M
Next Earnings: Oct 26, 2026

Fundamentals Snapshot

Annual Revenue: $613M
Last Q Revenue: $176M
P/E Ratio: 1.0
P/S Ratio: 2.0x
EPS (TTM): $2.90
Dividend Yield: 4.55%

Why Investors Own JCAP

✓High-growth profile — revenue up +3.6% YoY with expanding US Equity exposure.
✓Healthy economics — 68% gross margin and 30% free-cash-flow margin.
✓New products and segments could unlock additional revenue streams.

⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)

$613M▲ +8.8% YoY

Gross Margin (TTM)

67.5%▲ +0.9% YoY

Operating Income (TTM)

$120M▲ +8.8% YoY

Free Cash Flow (TTM)

$182M▲ +8.8% YoY

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.

🦦