JCAP Stock Analysis: Jefferson Capital, Common | NASDAQ
Credit Services | NASDAQ, USA | Market Cap: 1.130m USD | 12M Return: 16.4% | US47248R1032 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 4.86M
Qual. Beats: 0
Rev. Trend: 99.9%
Warnings
Tailwinds
Seasonality 1.2 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Jefferson Capital, Inc. (NASDAQ: JCAP) is a consumer finance company that purchases portfolios of distressed consumer receivables at discounts to their face value and works with individuals to help them repay their obligations. The company acquires and manages a diverse mix of receivables, including credit card, automotive (both secured and unsecured), utilities, telecom, and other consumer debt, while also providing debt servicing and portfolio management services to credit originators for nonperforming loans. Founded in 2002 and headquartered in Minneapolis, Minnesota, Jefferson Capital operates in the United States, the United Kingdom, Canada, and Latin America, and completed its IPO in June 2025.
As a player in the debt buying and consumer finance sub-industry, the companys business model is built on acquiring charged-off debt at a fraction of its original value and generating returns through collection efforts, which are enhanced when borrowers regain the ability to pay. Its position within the broader Financials sector places it alongside other specialty consumer finance firms that profit from the spread between discounted acquisition costs and eventual recoveries, while also offering third-party servicing for creditors seeking to outsource nonperforming loan management.
- Portfolio purchase volumes from credit card issuers expand
- Collection recovery rates pressured by consumer credit stress
- CFPB regulation increases debt collection compliance costs
| Net Income: 155.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.11 > 0.02 and ΔFCF/TA -1.27 > 1.0 |
| NWC/Revenue: -39.82% < 20% (prev 300.4%; Δ -340.2% < -1%) |
| CFO/TA 0.11 > 3% & CFO 221.1m > Net Income 155.0m |
| Net Debt (1.39b) to EBITDA (258.7m): 5.37 < 3 |
| Current Ratio: 0.12 > 1.5 & < 3 |
| Outstanding Shares: last quarter (55.6m) vs 12m ago 1.85k% < -2% |
| Gross Margin: 78.48% > 18% (prev 71.54%; Δ 6.94% > 0.5%) |
| Asset Turnover: 34.25% > 50% (prev 30.39%; Δ 3.86% > 0%) |
| Interest Coverage Ratio: 0.00 > 6 (EBIT TTM 254.6m / Interest Expense TTM 77.3b) |
| A: -0.13 (Total Current Assets 37.3m - Total Current Liabilities 300.0m) / Total Assets 2.08b |
| B: 0.25 (Retained Earnings 513.1m / Total Assets 2.08b) |
| C: 0.13 (EBIT TTM 254.6m / Avg Total Assets 1.93b) |
| D: 0.30 (Book Value of Equity 476.2m / Total Liabilities 1.61b) |
| Altman-Z'' = 1.17 = BB |
| DSRI: 0.99 (Receivables 1.98b/1.63b, Revenue 659.6m/537.1m) |
| GMI: 0.91 (GM 71.54% / 78.48%) |
| AQI: 23.00 (AQ_t 0.98 / AQ_t-1 0.04) |
| SGI: 1.23 (Revenue 659.6m / 537.1m) |
| TATA: -0.03 (NI 155.0m - CFO 221.1m) / TA 2.08b) |
| Beneish M = 10.09 (Cap -4..+1) = D |
As of October 08, 2026, the stock is trading at USD 20.02 with a total of 450,927 shares traded. Over the past week, the price has changed by +4.93%, over one month by -7.61%, over three months by +11.26% and over the past year by +16.36%.
Current recommended Stop Loss: 18.30 (which is 8.6% or 2.8 ATR below the current price).
Jefferson Capital, Common has received a consensus analysts rating of 4.40. Therefore, it is recommended to buy JCAP.
- StrongBuy: 2
- Buy: 3
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 28.2 | 40.9% |
P/E Trailing = 21.6154
P/S = 1.7575
P/B = 2.3045
Revenue TTM = 659.6m USD
EBIT TTM = 254.6m USD
EBITDA TTM = 258.7m USD
Long Term Debt = 1.18b USD (from longTermDebt, last quarter)
Short Term Debt = 300.0m USD (from shortTermDebt, last quarter)
Debt = 1.41b USD (from shortLongTermDebtTotal, last quarter) + Leases 3.89m
Net Debt = 1.39b USD (calculated: Debt 1.41b - CCE 20.4m)
Enterprise Value = 2.52b USD (1.13b + Debt 1.41b - CCE 20.4m)
Interest Coverage Ratio = 0.00 (Ebit TTM 254.6m / Interest Expense TTM 77.3b)
EV/FCF = 11.45x (Enterprise Value 2.52b / FCF TTM 220.1m)
FCF Yield = 8.74% (FCF TTM 220.1m / Enterprise Value 2.52b)
FCF Margin = 33.36% (FCF TTM 220.1m / Revenue TTM 659.6m)
Net Margin = 23.50% (Net Income TTM 155.0m / Revenue TTM 659.6m)
Gross Margin = 78.48% ((Revenue TTM 659.6m - Cost of Revenue TTM 142.0m) / Revenue TTM)
Gross Margin QoQ = none% (prev 61.84%)
Tobins Q-Ratio = 1.21 (Enterprise Value 2.52b / Total Assets 2.08b)
Interest Expense / Debt = 5.48k% (Interest Expense 77.3b / Debt 1.41b)
Taxrate = 20.10% (39.0m / 194.0m)
NOPAT = 203.4m (EBIT 254.6m * (1 - 20.10%))
Current Ratio = 0.12 (Total Current Assets 37.3m / Total Current Liabilities 300.0m)
Debt / Equity = 2.96 (Debt 1.41b / totalStockholderEquity, last quarter 476.2m)
Debt / EBITDA = 5.37 (Net Debt 1.39b / EBITDA 258.7m)
Debt / FCF = 6.31 (Net Debt 1.39b / FCF TTM 220.1m)
Total Stockholder Equity = 458.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 8.05% (Net Income 155.0m / Total Assets 2.08b)
RoE = 33.84% (Net Income TTM 155.0m / Total Stockholder Equity 458.1m)
RoCE = 15.54% (EBIT 254.6m / Capital Employed (Equity 458.1m + L.T.Debt 1.18b))
RoIC = 9.86% (NOPAT 203.4m / Invested Capital 2.06b)
WACC = 2.90% (E(1.13b)/V(2.54b) * Re(6.53%) + (debt cost/tax rate unavailable))
Discount Rate = 6.53% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -19.60 | Cagr: -2.10%
[DCF] Terminal Value 76.10% ; FCFF base≈215.7m ; Y1≈225.9m ; Y5≈260.4m
[DCF] Fair Price = 45.72 (EV 4.01b - Net Debt 1.39b = Equity 2.63b / Shares 57.4m; r=8.35% [WACC [floored]]; 5y FCF grow 5.19% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.10 | # QB: 0
Revenue Correlation: 99.88 | Revenue CAGR: 37.78% | SUE: N/A | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.73 | Chg30d=+0.00% | Revisions=+50% | Analysts=4
EPS current Year (2026-12-31): EPS=3.00 | Chg30d=+0.00% | Revisions=+50% | GrowthEPS=-55.6% | GrowthRev=+16.3%
EPS next Year (2027-12-31): EPS=3.08 | Chg30d=+0.00% | Revisions=+50% | GrowthEPS=+2.5% | GrowthRev=+4.2%
[Analyst] Revisions Ratio: +75% (up=9, down=0)