(JCAP) Jefferson Capital, Common - Overview
Sector: Financial Services | Industry: Credit Services | Exchange: NASDAQ (USA) | Market Cap: 958m USD | Total Return: -5.6% in 12m
Avg Turnover: 4.03M
Qual. Beats: 0
Rev. Trend: 99.9%
Warnings
Fakeout Below Avwap Earnings
Tailwinds
No distinct edge detected
Jefferson Capital, Inc. (JCAP) specializes in the acquisition and management of nonperforming consumer debt portfolios across North America, the United Kingdom, and Latin America. The company operates within the consumer finance sector, purchasing charged-off receivables such as credit card debt, auto loans, and utility bills at significant discounts to their face value. Their business model relies on the spread between the low acquisition cost of these distressed assets and the eventual collections recovered through various repayment programs.
The debt recovery industry is highly cyclical and often sees increased inventory during periods of tightening credit or economic downturns as delinquency rates rise. Beyond principal acquisition, Jefferson Capital provides third-party servicing and portfolio management for credit originators, diversifying its revenue through fee-based services. For a deeper look into the companys valuation metrics, investors may find ValueRays analytical tools useful. Founded in 2002 and based in Minneapolis, the firm manages both secured and unsecured consumer obligations.
- Volume of charged-off consumer receivable portfolios available for purchase at deep discounts
- Interest rate fluctuations impact financing costs for acquiring distressed debt portfolios
- Consumer repayment capacity influenced by unemployment rates and disposable income levels
- Expansion into international markets including United Kingdom and Latin America drives revenue
- Regulatory oversight of debt collection practices affects operational costs and recovery efficiency
| Net Income: 161.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.12 > 0.02 and ΔFCF/TA 1.69 > 1.0 |
| NWC/Revenue: -40.74% < 20% (prev 317.3%; Δ -358.1% < -1%) |
| CFO/TA 0.12 > 3% & CFO 253.1m > Net Income 161.4m |
| Net Debt (1.41b) to EBITDA (263.1m): 5.36 < 3 |
| Current Ratio: 0.14 > 1.5 & < 3 |
| Outstanding Shares: last quarter (55.6m) vs 12m ago -4.59% < -2% |
| Gross Margin: 66.75% > 18% (prev 0.72%; Δ 6.60k% > 0.5%) |
| Asset Turnover: 33.42% > 50% (prev 28.48%; Δ 4.94% > 0%) |
| Interest Coverage Ratio: 0.00 > 6 (EBITDA TTM 263.1m / Interest Expense TTM 77.2b) |
| A: -0.12 (Total Current Assets 41.4m - Total Current Liabilities 300.0m) / Total Assets 2.08b |
| B: 0.23 (Retained Earnings 486.5m / Total Assets 2.08b) |
| C: 0.14 (EBIT TTM 258.6m / Avg Total Assets 1.90b) |
| D: 0.29 (Book Value of Equity 483.9m / Total Liabilities 1.64b) |
| Altman-Z'' = 1.17 = BB |
| DSRI: 0.01 (Receivables 15.1m/1.58b, Revenue 634.8m/488.2m) |
| GMI: 1.08 (GM 66.75% / 71.88%) |
| AQI: 16.16 (AQ_t 0.98 / AQ_t-1 0.06) |
| SGI: 1.30 (Revenue 634.8m / 488.2m) |
| TATA: -0.04 (NI 161.4m - CFO 253.1m) / TA 2.08b) |
| Beneish M = 5.38 (Cap -4..+1) = D |
As of May 26, 2026, the stock is trading at USD 17.29 with a total of 203,500 shares traded.
Over the past week, the price has changed by -3.25%,
over one month by -16.88%,
over three months by -14.65% and
over the past year by -5.62%.
Jefferson Capital, Common has no consensus analysts rating.
P/E Trailing = 3.3573
P/S = 1.5322
P/B = 2.1617
Revenue TTM = 634.8m USD
EBIT TTM = 258.6m USD
EBITDA TTM = 263.1m USD
Long Term Debt = 1.18b USD (from longTermDebt, last quarter)
Short Term Debt = 300.0m USD (from shortTermDebt, last quarter)
Debt = 1.44b USD (from shortLongTermDebtTotal, last quarter) + Leases 3.89m
Net Debt = 1.41b USD (calculated: Debt 1.44b - CCE 26.2m)
Enterprise Value = 2.37b USD (958.2m + Debt 1.44b - CCE 26.2m)
Interest Coverage Ratio = 0.00 (Ebit TTM 258.6m / Interest Expense TTM 77.2b)
EV/FCF = 9.40x (Enterprise Value 2.37b / FCF TTM 252.1m)
FCF Yield = 10.64% (FCF TTM 252.1m / Enterprise Value 2.37b)
FCF Margin = 39.71% (FCF TTM 252.1m / Revenue TTM 634.8m)
Net Margin = 25.42% (Net Income TTM 161.4m / Revenue TTM 634.8m)
Gross Margin = 66.75% ((Revenue TTM 634.8m - Cost of Revenue TTM 211.1m) / Revenue TTM)
Gross Margin QoQ = 61.84% (prev 69.39%)
Tobins Q-Ratio = 1.14 (Enterprise Value 2.37b / Total Assets 2.08b)
Interest Expense / Debt = 5.37k% (Interest Expense 77.2b / Debt 1.44b)
Taxrate = 26.29% (13.4m / 51.1m)
NOPAT = 190.6m (EBIT 258.6m * (1 - 26.29%))
Current Ratio = 0.14 (Total Current Assets 41.4m / Total Current Liabilities 300.0m)
Debt / Equity = 3.25 (Debt 1.44b / totalStockholderEquity, last quarter 442.9m)
Debt / EBITDA = 5.36 (Net Debt 1.41b / EBITDA 263.1m)
Debt / FCF = 5.60 (Net Debt 1.41b / FCF TTM 252.1m)
Total Stockholder Equity = 441.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 8.50% (Net Income 161.4m / Total Assets 2.08b)
RoE = 36.53% (Net Income TTM 161.4m / Total Stockholder Equity 441.8m)
RoCE = 15.95% (EBIT 258.6m / Capital Employed (Equity 441.8m + L.T.Debt 1.18b))
RoIC = 9.26% (NOPAT 190.6m / Invested Capital 2.06b)
WACC = 2.72% (E(958.2m)/V(2.40b) * Re(6.80%) + (debt cost/tax rate unavailable))
Discount Rate = 6.80% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -2.52 | Cagr: 48.11%
[DCF] Terminal Value 77.97% ; FCFF base≈222.6m ; Y1≈255.1m ; Y5≈375.5m
[DCF] Fair Price = 76.50 (EV 5.65b - Net Debt 1.41b = Equity 4.24b / Shares 55.4m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 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 (2026-06-30): EPS=0.70 | Chg30d=-0.35% | Revisions=+20% | Analysts=4
EPS next Quarter (2026-09-30): EPS=0.71 | Chg30d=-0.35% | Revisions=+0% | Analysts=4
EPS current Year (2026-12-31): EPS=2.88 | Chg30d=+1.41% | Revisions=+43% | GrowthEPS=-57.4% | GrowthRev=+12.5%
EPS next Year (2027-12-31): EPS=2.91 | Chg30d=+0.87% | Revisions=+33% | GrowthEPS=+1.0% | GrowthRev=+3.3%
[Analyst] Revisions Ratio: +43%