Jefferson Capital (JCAP) Financials: Revenue & Earnings

JCAP price $19.44 -0.60 -2.99%

Ticker
JCAP
Price
$19.44
Change
-0.60 -2.99%
Market cap ?
$1.12B
P/E ?
7.57
Forward P/E ?
6.55
Dividend yield ?
4.77%
Beta ?
-0.13
Sector
Financial Services
Industry
Financial - Credit Services
Stocklytics score
56
Value
64
Quality
56
Growth
49

Stocklytics score rationale: value 64, quality 56, growth 49.

Financials

20152016201720182019202320242025
17430006532000121910003121400045093000323072000433300000613289000

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…

Fair value

JCAP fair value $45.76. Price $19.44. Price is 58% below fair value.

Below fair value, but more expensive than usual. A smaller discount than on 81% of days in the past 5 years.

Fair value is an estimate of what one share is worth if future cash flows arrive as modeled. It is not a forecast of the share price. How discounted cash flow works.

Calculated with a 10-year free-cash-flow discount. Average free cash flow, last three years 182.91M. Growth 15.58%. When analyst earnings forecasts are available, free cash flow in those years is forecast earnings times the company's usual conversion of earnings into free cash flow, kept between 60% and 130%. Years with fewer than 3 analyst estimates are left out. Growth then fades in a straight line to terminal growth by year 10, starting from the last well-covered year's growth, or from the pace across those years when the final year slows sharply, kept between 0% and 20%. Without those forecasts, year-1 growth is analyst revenue growth for the next full fiscal year, or 5-year historical revenue growth when that forecast is missing, held for five years, then fading in a straight line to terminal growth by year 10. Terminal growth 3.00%. Discount rate 10.00%. Beta is kept between 0.8 and 2.0, which on its own would make the discount rate 8.7% to 15.3%. The rate is then capped at 12%. A cap is used because a discount above 12% pushes higher-beta stocks further from the price. The discount rate stays at least 5 percentage points above terminal growth. Shares 57.43M. Net debt 1.67B. The earnings value is next-12-months earnings per share, or trailing earnings when that forecast is missing, times the median P/E of the company's industry. That median uses listed stocks worth at least $10 billion with a positive P/E of 100 or below, and the industry needs at least eight of them. Otherwise the sector median is used when that group also has at least eight, then the market median of those large companies. The multiple used is the lower of that median and 1.25 times the stock's own 10-year median P/E, then kept between 8 and 30. If the stock has no 10-year median, the peer median is kept between 8 and 30. Fair value is the average of the cash-flow value and the earnings value when both exist. Card and credit companies use the earnings value only, because changes in customer receivables distort free cash flow. Model uncertainty is high when fair value is more than 60% from the price, or when most of the cash-flow value sits after year 10.

Compare JCAP

Earnings

DateEPS actualEPS estimateRevenueRevenue estimate
2026-11-12—0.70—174.81M
2026-08-130.670.68177.54M169.66M
2026-06-110.680.80176.44M169.33M
2026-05-140.610.70176.44M169.33M
2025-11-130.740.64150.84M153.78M
2025-08-140.810.88152.71M145.27M
2025-05-230.970.83154.94M145.27M
2020-08-08-0.01-0.0811.67M8.25M
2020-05-08-2.30—11.70M—
2020-02-270.29-0.7412.13M8.34M
2019-11-010.500.1212.25M8.95M
2019-08-020.670.2510.83M5.42M
2019-05-020.60—9.88M—
2019-03-011.130.179.67M8.15M
2018-11-020.830.499.09M8.45M
2018-08-020.690.187.24M5.07M
2018-05-040.38—5.22M—
2018-03-020.22-0.413.93M7.39M
2017-11-070.320.113.36M3.10M
2017-08-080.530.252.60M3.13M
2017-05-090.200.242.30M2.14M
2017-03-080.700.082.16M1.15M
2016-11-080.86—1.70M—
2016-08-080.910.451.53M1.64M
2016-05-100.19-0.271.14M380.00K
2016-04-05-0.14—1.01M—
2015-11-12-0.23—578.00K—
2015-08-13-0.19-0.18145.00K48.33K

Dividends

Yield 4.94%. Payout ratio 39.11%. Frequency Quarterly.

Safety score 76/100 · Safe. Payout ratio is 39% of earnings. Dividends use less than 40% of free cash flow. Dividend history is short. Yield is 4.9%, in a range that is usually sustainable.

Ex-dateDividendRecordPaymentFrequency
2026-08-24$0.242026-08-242026-09-03Quarterly
2026-05-26$0.242026-05-262026-06-04Quarterly
2026-03-24$0.242026-03-242026-04-02Quarterly
2025-11-25$0.242025-11-252025-12-04Quarterly
2025-08-25$0.242025-08-252025-09-04Irregular

Insider trades

DateInsiderActionSharesPriceValue
2026-08-25Person Penelope JoAnnSell246$22.045.42K
2026-08-17Zellmann Mark JosephSell56.00K$23.751.33M
2026-08-17Zellmann Mark JosephSell6.25K——
2026-03-18Zellmann Mark JosephBuy12.50K$34.13426.63K
2026-03-18Atkins Susan E.Other25.00K$20.13503.25K
2026-03-18Atkins Susan E.Other25.00K$34.13853.25K
2026-03-18Pierce James ManfredOther25.00K$20.13503.25K
2026-03-18Pierce James ManfredOther25.00K$34.13853.25K
2026-03-11OROS JOHN JBuy25.00K$34.78869.50K
2026-01-09Burton David M.Sell385.00K$20.507.89M
2026-01-09JCF IV JCAP Holding L.P.Sell11.00M$19.63215.92M
2025-08-22JCF IV JCAP Holding L.P.Other0——
2025-08-22J.C. Flowers IV L.P.Sell30.23M——
2025-06-27J.C. Flowers IV L.P.Sell6.02M$15.0090.32M
2025-06-27J.C. Flowers IV L.P.Sell2.69M$15.0040.31M
2025-06-27Burton David M.Sell424.30K$15.006.36M
2025-06-26J.C. Flowers IV L.P.Other0——
2025-06-26J.C. Flowers IV L.P.Other0——
2025-06-26Giles Christopher NortonOther0——
2025-06-26Burton David M.Other0——
2025-06-26Zellmann Mark JosephOther0——
2025-06-26Vaske Ronald KentOther0——
2025-06-26Realov Christo DimitrovOther0——
2025-06-26Realov Christo DimitrovOther51.76K$23.571.22M
2025-06-26Realov Christo DimitrovOther51.76K$17.53907.32K
2025-06-26Realov Christo DimitrovOther51.76K$29.611.53M
2025-06-26Pfohl Matthew JamesOther0——
2025-06-26Person Penelope JoAnnOther0——
2025-06-26OROS JOHN JOther0——
2025-06-26Lydon Thomas Edward Jr.Other0——
2025-06-26Leonard Beth KiefferOther0——
2025-06-26Leonard Beth KiefferOther41.41K$17.24713.84K
2025-06-26Harding Thomas CardwellOther0——
2025-06-25Burton David M.Buy4.20M——
2020-11-06DONDERO JAMES DSell18.02K$0.01180
2020-11-06DONDERO JAMES DSell133.15K$0.011.33K
2020-11-06Decker Mark O.Sell29.72K$17.30514.09K
2020-11-06Perry Jonathan LBuy76.92K——
2020-11-06Perry Jonathan LSell76.92K——
2020-11-06Perry Jonathan LSell58.35K$17.301.01M
2020-11-06Perry Jonathan LSell76.92K——
2020-11-06Owen Rebecca LSell7.07K$17.30122.33K
2020-11-06Luttrell Kelly PSell34.08K$17.30589.65K
2020-11-06Good John ABuy76.92K——
2020-11-06Good John ASell76.92K——
2020-11-06Good John ASell288.57K$17.304.99M
2020-11-06Good John ASell179.49K——
2020-11-06SILVER HOWARD ASell25.39K$17.30439.18K
2020-11-06Thie Harry J.Sell2.00K$17.3034.60K
2020-11-06Corak DavidSell23.72K$17.30410.34K
2020-10-15DONDERO JAMES DBuy1.23K——
2020-10-15DONDERO JAMES DBuy270——
2020-07-15DONDERO JAMES DBuy1.23K——
2020-07-15DONDERO JAMES DBuy270——
2020-06-15Good John ASell5.47K$14.5979.81K
2020-06-04Perry Jonathan LSell3.05K$14.3743.80K
2020-05-08Decker Mark O.Buy4.72K——
2020-05-08Owen Rebecca LBuy4.72K——
2020-05-08SILVER HOWARD ABuy4.72K——
2020-05-08Thie Harry J.Buy4.72K——
2020-05-01Perry Jonathan LSell2.03K$12.5925.60K
2020-05-01Luttrell Kelly PSell684$12.598.61K
2020-05-01Luttrell Kelly PSell1.82K$12.5922.96K
2020-05-01Good John ASell4.56K$12.5957.40K
2020-05-01Good John ASell3.65K$12.5945.92K
2020-04-15Decker Mark O.Buy49$12.31598
2020-04-15Decker Mark O.Buy95$12.311.17K
2020-04-15Decker Mark O.Buy280$12.313.44K
2020-04-15DONDERO JAMES DBuy1.23K——
2020-04-15DONDERO JAMES DBuy270——
2020-03-31Thie Harry J.Buy2.00K$10.5721.14K
2020-03-31Good John ABuy3.00K$10.4031.20K
2020-03-31Corak DavidBuy500$10.295.14K
2020-03-27DONDERO JAMES DSell10.58K$11.01116.44K
2020-03-26DONDERO JAMES DSell16.86K$10.83182.59K
2020-03-25DONDERO JAMES DSell20.02K$10.26205.37K
2020-03-24DONDERO JAMES DSell13.40K$9.37125.60K
2020-03-23DONDERO JAMES DSell26.10K$9.83256.60K
2020-03-20DONDERO JAMES DSell18.50K$10.76199.06K
2020-03-08Corak DavidSell1.93K$18.6335.88K
2020-02-20Luttrell Kelly PBuy4.99K——
2020-02-20Perry Jonathan LBuy76.92K——
2020-02-20Perry Jonathan LBuy9.97K——
2020-02-20Good John ABuy16.20K——
2020-02-20Good John ABuy179.49K——
2020-02-20Corak DavidBuy4.36K——
2020-02-20Corak DavidSell0——
2020-02-20Corak DavidOther0——
2020-02-11DONDERO JAMES DSell32.80K——
2020-02-11DONDERO JAMES DSell7.20K——
2020-01-15Decker Mark O.Buy47$19.00893
2020-01-15Decker Mark O.Buy271$19.005.14K
2020-01-15Decker Mark O.Buy92$19.001.75K
2020-01-15DONDERO JAMES DBuy1.74K——
2020-01-15DONDERO JAMES DBuy383——
2019-12-19Luttrell Kelly PBuy500$19.859.93K
2019-12-19Decker Mark O.Buy1.50K$19.6129.41K
2019-12-19Good John ABuy6.90K$19.93137.52K
2019-10-16Decker Mark O.Buy405$18.887.65K
2019-10-15DONDERO JAMES DBuy1.74K——

Institutional holders

Latest filed quarter: Q2 2026.

Institutions holding: 114, holders +8 vs prior quarter. Ownership 40.12%.

HolderSharesChangeChange %Value
WELLINGTON MANAGEMENT GROUP LLP2.32M-949.42K-29.03%45.20M
ADAGE CAPITAL PARTNERS GP, L.L.C.1.86M95.06K+5.39%36.17M
WILLIAM BLAIR INVESTMENT MANAGEMENT, LLC1.81M246.72K+15.82%35.18M
PRINCIPAL FINANCIAL GROUP INC1.71M173.38K+11.28%33.30M
BLACKROCK, INC.1.70M292.79K+20.84%33.06M
PUNCH & ASSOCIATES INVESTMENT MANAGEMENT, INC.1.45M330.93K+29.66%28.17M
GOLDMAN SACHS GROUP INC958.81K-172.79K-15.27%18.67M
GEODE CAPITAL MANAGEMENT, LLC790.88K99.67K+14.42%15.40M
VANGUARD CAPITAL MANAGEMENT LLC752.39K-304.41K-28.80%14.65M
NANTAHALA CAPITAL MANAGEMENT, LLC750.00K00.00%14.60M
CITADEL ADVISORS LLC626.87K39.37K+6.70%12.21M
UBS GROUP AG582.74K327.77K+128.55%11.35M
NORTH REEF CAPITAL MANAGEMENT LP530.60K-1.55K-0.29%10.33M
STATE STREET CORP472.41K105.74K+28.84%9.20M
AMERICAN CENTURY COMPANIES INC456.93K157.88K+52.80%8.90M
MILLENNIUM MANAGEMENT LLC415.57K11.22K+2.77%8.09M
STATE OF WISCONSIN INVESTMENT BOARD338.79K-35.58K-9.50%6.60M
CLEARBRIDGE INVESTMENTS, LLC328.80K-1.59K-0.48%6.40M
PHILADELPHIA FINANCIAL MANAGEMENT OF SAN FRANCISCO, LLC316.85K316.85KNew6.17M
MORGAN STANLEY306.60K31.14K+11.31%5.97M
NORTHERN TRUST CORP261.94K104.97K+66.88%5.10M
ALYESKA INVESTMENT GROUP, L.P.258.32K11.25K+4.55%5.03M
MALTESE CAPITAL MANAGEMENT LLC231.38K-98.31K-29.82%4.51M
VANGUARD PORTFOLIO MANAGEMENT LLC188.70K26.82K+16.57%3.67M
FRANKLIN TEMPLETON INC164.31K-34.15K-17.21%3.20M

Earnings and financials

Jefferson Capital, Inc. Common Stock (JCAP) trades at $19.44, with a market cap of $1.12B and a trailing P/E of 7.57. Revenue below is the annual history on file. It describes what the business has already reported. It is not a forecast and it is not a recommendation.

Financials

20152016201720182019202320242025
17430006532000121910003121400045093000323072000433300000613289000

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Jefferson Capital (JCAP) Financials: Revenue & Earnings

JCAP$19.44-0.60 -2.99%

$1.12B

Market Cap

7.57

P/E

6.55

Forward P/E

56

Score

Price History