Financial Services · Financial - Credit Services
Price
$19.34
Market Cap
$1.1B
Employees
1,205
Beta
0.15
Avg Volume
294,861
CEO
David Burton
Business Description
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.
Business History
Price Overview
Price at report time · Jul 2, 3:31pm (0m ago)
$18.97
Change · Jul 2
-0.65 (-3.29%)
Day Range
$18.93 – $19.83
52-Week Range
$15.50 – $23.80
50-Day MA
$18.28
200-Day MA
$19.85
Volume
126,275.69
Right now · live
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Real-time — the change above is the move since the report (over 0m).
Analyst Price Targets
Low
$21.00
Consensus
$26.00
High
$29.00
(5 analysts)
Share Structure
Outstanding
55,418,470.00
Float
9,621,929.00
Free Float
17.4%
Low free float
— 17.4% of shares trade freely, ~82.6% held by insiders/institutions
Below average liquidity. Large orders can move the price significantly. Insiders or strategic holders control the majority — watch for lockup expirations or secondary offerings.
Small absolute float (9.6M shares) — even with a decent free float %, volume can be thin. Check average daily volume before sizing a position.
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
API Direct from provider
CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
APIStock Price / EPS (Diluted)
6.53
Stock Price: $19.34
EPS (Diluted): 6.26
EPS (Diluted): 6.26
P/B Ratio (Price vs net asset value)
APIStock Price / Book Value Per Share
1.41
Stock Price: $19.34
Total Equity: $476.14M
Shares: 30,015,000
Total Equity: $476.14M
Shares: 30,015,000
EV/EBITDA (Total value vs operating profit)
APIEnterprise Value / EBITDA
9.36
Market Cap: $1.07B
Total Debt: $1.71B
Cash: $47.55M
EBITDA: $329.47M
Total Debt: $1.71B
Cash: $47.55M
EBITDA: $329.47M
Enterprise Value (Takeover price (cap + debt - cash))
APIMarket Cap + Total Debt - Cash
$2.3B
Market Cap: $1.07B
Total Debt: $1.71B
Cash: $47.55M
Total Debt: $1.71B
Cash: $47.55M
Gross Margin (Revenue left after direct costs)
APIGross Profit / Revenue
67.8%
Gross Profit: $415.58M
Revenue: $613.29M
Revenue: $613.29M
Operating Margin (Revenue left after all operations)
APIOperating Income / Revenue
51.6%
Operating Income: $316.50M
Revenue: $613.29M
Revenue: $613.29M
Net Margin (Revenue left as actual profit)
APINet Income / Revenue
30.6%
Net Income: $187.97M
Revenue: $613.29M
Revenue: $613.29M
ROE (Profit from shareholder equity)
APINet Income / Total Equity
36.5%
Net Income: $187.97M
Total Equity: $476.14M
Total Equity: $476.14M
ROIC (Profit from all invested capital)
APINOPAT / Invested Capital
11.2%
Operating Income: $316.50M
Tax Rate: 13.9%
Equity: $476.14M
Total Debt: $1.71B
Cash: $47.55M
Tax Rate: 13.9%
Equity: $476.14M
Total Debt: $1.71B
Cash: $47.55M
Current Ratio (Can it pay short-term bills)
APICurrent Assets / Current Liabilities
0.20
Current Assets: $59.80M
Current Liabilities: $300.00M
Current Liabilities: $300.00M
Debt/Equity (Leverage — debt vs equity)
CALCTotal Debt / Total Equity
3.59
Short-Term Debt: $300.00M
Long-Term Debt: $1.41B
Total Debt: $1.71B
Total Equity: $476.14M
Long-Term Debt: $1.41B
Total Debt: $1.71B
Total Equity: $476.14M
Rev/Share (Top-line per share)
CALCRevenue / Shares Outstanding
$20.43
Revenue: $613.29M
Shares: 30,015,000
Shares: 30,015,000
Book Value/Share (Net assets per share)
CALC(Total Assets - Total Liabilities) / Shares
$15.86
Total Equity: $476.14M
Shares: 30,015,000
Shares: 30,015,000
FCF/Share (Real cash generated per share)
CALC(Operating Cash Flow + CapEx) / Shares
$8.92
Operating CF: $268.81M
CapEx: -$1.09M
Shares: 30,015,000
CapEx: -$1.09M
Shares: 30,015,000
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
APILast Annual Dividend / Stock Price
9.5%
Last Dividend: N/A
Stock Price: $19.34
Stock Price: $19.34
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: $187.97M
Net Income: $187.97M
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares JCAP against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Last updated: Jul 2, 2026 3:31pm (just now)| Metric | 2018 | 2019 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $31.2M | $45.1M | $323.1M | $433.3M | $613.3M |
| Cost of Revenue | $1.7M | $4.0M | $84.6M | $124.9M | $197.7M |
| Gross Profit | $29.5M | $41.1M | $238.4M | $308.4M | $415.6M |
| Operating Expenses | $18.4M | $25.2M | $74.4M | $88.1M | $99.1M |
| Operating Income | $11.1M | $15.9M | $164.1M | $220.3M | $316.5M |
| Net Income | $54.4M | $44.4M | $111.5M | $105.3M | $188.0M |
| EBITDA | $60.0M | $59.2M | $121.2M | $158.1M | $329.5M |
| EPS | $3.14 | $2.06 | $1.91 | $1.81 | $6.26 |
| EPS (Diluted) | — | — | — | — | — |
Balance Sheet (Annual)
Last updated: Jul 2, 2026 3:31pm (just now)| Metric | 2018 | 2019 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $8.7M | $3.3M | $14.4M | $35.5M | $47.6M |
| Total Current Assets | $17.3M | $16.6M | $1.0B | $1.6B | $59.8M |
| Total Assets | $590.4M | $812.8M | $1.1B | $1.7B | $2.1B |
| Current Liabilities | $17.9M | $21.1M | $40.9M | $77.0M | $300.0M |
| Long-Term Debt | $24.6M | $202.8M | $770.9M | $1.2B | $1.4B |
| Total Liabilities | $42.5M | $223.9M | $811.8M | $1.3B | $1.6B |
| Total Equity | $547.9M | $588.9M | $274.8M | $382.5M | $476.1M |
| Retained Earnings | $1.7M | -$5.0M | $276.4M | $398.1M | $522.6M |
Cash Flow (Annual)
Last updated: Jul 2, 2026 3:31pm (just now)| Metric | 2018 | 2019 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | -$6.3M | -$13.6M | $120.2M | $168.2M | $268.8M |
| Capital Expenditure | -$275.0M | -$166.6M | -$1.2M | -$6.2M | -$1.1M |
| Free Cash Flow | -$281.3M | -$180.2M | $119.0M | $162.0M | $267.7M |
| Acquisitions (net) | $0 | $0 | -$5.6M | $0 | $0 |
| Debt Repayment | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | $-333,000 | $-572,000 | $0 | $0 | $0 |
| Net Change in Cash | -$38.3M | -$5.4M | $5.4M | $17.6M | $9.3M |
Analyst Estimates (Annual)
Last updated: Jul 2, 2026 3:31pm (just now)| Metric | 2024 | 2025 | 2026 | 2027 |
|---|---|---|---|---|
| Revenue |
$485.0M $472.4M – $498.5M
|
$610.5M $599.2M – $622.6M
|
$691.4M $685.2M – $697.5M
|
$718.1M $695.2M – $740.9M
|
| EBITDA |
$317.9M $309.7M – $326.7M
|
$400.2M $392.8M – $408.1M
|
$453.2M $449.1M – $457.2M
|
$470.6M $455.7M – $485.6M
|
| Net Income | $0 |
$96.0M $84.2M – $107.9M
|
$83.1M $82.4M – $83.7M
|
$87.2M $85.1M – $89.3M
|
| EPS | — | — | — | — |
Growth Trends (YoY %)
Last updated: Jul 2, 2026 3:31pm (just now)| Metric | 2019 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +44.5% | +616.5% | +34.1% | +41.5% |
| Gross Profit Growth | +39.3% | +480.2% | +29.3% | +34.8% |
| Operating Income Growth | +43.6% | +931.7% | +34.3% | +43.7% |
| Net Income Growth | -18.3% | +151.1% | -5.6% | +78.5% |
| EBITDA Growth | -1.4% | +104.9% | +30.4% | +108.4% |
Insider Trading (Recent)
Type codes
PPurchase
SSale
AAward / grant
MOption exercise
FIn-kind (tax)
CConversion
GGift
DReturn to issuer
All SEC Form 4 codes
Open market
- P Purchase
- Open-market or private purchase of shares.
- S Sale
- Open-market or private sale of shares.
Compensation (Rule 16b-3)
- A Award / grant
- Grant or award of securities (RSUs, options, etc.) under Rule 16b-3.
- D Return to issuer
- Securities disposed back to the company under Rule 16b-3.
- F In-kind (tax)
- Shares withheld or delivered to pay the option-exercise price or tax — not an open-market sale.
- I Discretionary
- Discretionary transaction under an employee plan — Rule 16b-3(f).
- M Option exercise
- Exercise or conversion of a derivative (option/RSU) into shares — exempt.
Derivatives
- C Conversion
- Conversion of a derivative security into the underlying shares.
- E Short expiration
- Expiration of a short derivative position.
- H Long expiration
- Expiration or cancellation of a long derivative position with value received.
- O OTM exercise
- Exercise of an out-of-the-money derivative.
- X ITM exercise
- Exercise of an in-the-money or at-the-money derivative.
Other exempt
- G Gift
- Bona fide gift of securities.
- L Small acquisition
- Small acquisition under Rule 16a-6.
- W Inheritance
- Acquisition or disposition by will or the laws of descent.
- Z Voting trust
- Deposit into or withdrawal from a voting trust.
Other
- J Other
- Other acquisition or disposition (explained in a Form 4 footnote).
- K Equity swap
- Transaction in an equity swap or similar instrument.
- U Tender / buyout
- Disposition via tender of shares in a change-of-control transaction.
Compensation-plan codes (A, D, F, M) are routine and rarely directional. Open-market P (buy) and S (sale) carry the most signal.
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-03-18 | Zellmann Mark Joseph | A-Award | 12,500.00 | $0.00 | $0 |
| 2026-03-18 | Atkins Susan E. | 25,000.00 | $20.13 | $503,250 | |
| 2026-03-18 | Atkins Susan E. | 25,000.00 | $34.13 | $853,250 | |
| 2026-03-18 | Pierce James Manfred | 25,000.00 | $20.13 | $503,250 | |
| 2026-03-18 | Pierce James Manfred | 25,000.00 | $34.13 | $853,250 | |
| 2026-03-11 | OROS JOHN J | A-Award | 25,000.00 | $0.00 | $0 |
| 2026-01-09 | Burton David M. | S-Sale | 385,000.00 | $20.50 | $7.9M |
| 2026-01-09 | JCF IV JCAP Holding L.P. | S-Sale | 11,000,000.00 | $19.63 | $215.9M |
| 2025-08-22 | JCF IV JCAP Holding L.P. | 0.00 | $0.00 | $0 | |
| 2025-08-22 | J.C. Flowers IV L.P. | J-Other | 30,228,952.00 | $0.00 | $0 |
| 2025-06-27 | J.C. Flowers IV L.P. | S-Sale | 6,021,280.00 | $15.00 | $90.3M |
| 2025-06-27 | J.C. Flowers IV L.P. | S-Sale | 2,687,631.00 | $15.00 | $40.3M |
| 2025-06-25 | Burton David M. | A-Award | 4,201,796.00 | $0.00 | $0 |
| 2025-06-27 | Burton David M. | S-Sale | 424,296.00 | $15.00 | $6.4M |
| 2020-11-06 | DONDERO JAMES D | J-Other | 18,025.00 | $0.01 | $180 |
| 2020-11-06 | DONDERO JAMES D | J-Other | 133,150.00 | $0.01 | $1,332 |
| 2020-11-06 | Decker Mark O. | J-Other | 29,716.00 | $17.30 | $514,087 |
| 2020-11-06 | Perry Jonathan L | J-Other | 76,923.00 | $0.00 | $0 |
| 2020-11-06 | Perry Jonathan L | J-Other | 76,923.00 | $0.00 | $0 |
| 2020-11-06 | Perry Jonathan L | J-Other | 76,923.00 | $0.00 | $0 |
Dividend History (Last 20)
Last updated: Jul 2, 2026 3:31pm (just now)| Date | Dividend | Declaration | Record | Payment |
|---|---|---|---|---|
| 2026-05-26 | $0.24 | 2026-05-13 | 2026-05-26 | 2026-06-04 |
| 2026-03-24 | $0.24 | 2026-03-12 | 2026-03-24 | 2026-04-02 |
| 2025-11-25 | $0.24 | 2025-11-12 | 2025-11-25 | 2025-12-04 |
| 2025-08-25 | $0.24 | 2025-08-13 | 2025-08-25 | 2025-09-04 |
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for JCAP — it's generated by the pipeline (
market-narrative step).
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Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.369 · ed375950 · 2026-07-02 14:37:41