JCAP Stock Analysis: Jefferson Capital, Common | NASDAQ
Credit Services | NASDAQ, USA | Market Cap: 1.283m USD | 12M Return: 18.8% | US47248R1032 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 7.84M
Qual. Beats: 0
Rev. Trend: 99.9%
Warnings
Tailwinds
No distinct edge detected
Seasonality 1.1 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 Minneapolis-based debt buyer and portfolio manager founded in 2002. The company acquires previously charged-off consumer receivables at deep discounts to face value and works with consumers to recover these obligations. Its portfolio spans credit card, secured and unsecured automotive, utilities, telecom, and other consumer debts. Jefferson Capital also provides third-party debt servicing and portfolio management to credit originators for nonperforming loans, operating across the United States, the United Kingdom, Canada, and Latin America.
JCAP operates within the GICS Consumer Finance sub-industry, a segment that includes specialty lenders, debt buyers, and servicers that monetize nonperforming or distressed consumer credit. The company completed its initial public offering on June 26, 2025, and trades as a small-cap Financials stock with a market capitalization around $962 million.
- Cash collections exceed estimates on portfolio recovery strength
- Supply of charged-off debt portfolios tightens as originators retain paper
- Rising interest rates pressure cost of capital for portfolio acquisitions
- CFPB debt collection rule changes threaten fee structure and 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 August 24, 2026, the stock is trading at USD 22.29 with a total of 392,940 shares traded. Over the past week, the price has changed by -7.12%, over one month by +16.52%, over three months by +28.92% and over the past year by +18.82%.
Current recommended Stop Loss: 20.80 (which is 6.7% or 1.8 ATR below the current price).
Jefferson Capital, Common has no consensus analysts rating.
P/S = 1.996
P/B = 2.8231
Revenue TTM = 659.6m USD
EBIT TTM = 254.6m USD
EBITDA TTM = 258.7m USD
Long Term Debt = 1.18b USD (from longTermDebt, last fiscal year)
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 = 2.67b USD (1.28b + Debt 1.41b - CCE 20.4m)
Interest Coverage Ratio = 0.00 (Ebit TTM 254.6m / Interest Expense TTM 77.3b)
EV/FCF = 12.14x (Enterprise Value 2.67b / FCF TTM 220.1m)
FCF Yield = 8.24% (FCF TTM 220.1m / Enterprise Value 2.67b)
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 = 1.28 (Enterprise Value 2.67b / Total Assets 2.08b)
Interest Expense / Debt = 5.48k% (Interest Expense 77.3b / Debt 1.41b)
Taxrate = 7.69% (14.9m / 194.0m)
NOPAT = 235.0m (EBIT 254.6m * (1 - 7.69%))
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 = 15.56% (EBIT 254.6m / Capital Employed (Equity 458.1m + L.T.Debt 1.18b))
RoIC = 11.39% (NOPAT 235.0m / Invested Capital 2.06b)
WACC = 3.08% (E(1.28b)/V(2.69b) * Re(6.46%) + (debt cost/tax rate unavailable))
Discount Rate = 6.46% (= 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=+3.55% | Revisions=-25% | Analysts=4
EPS current Year (2026-12-31): EPS=3.00 | Chg30d=+4.62% | Revisions=-25% | GrowthEPS=-55.6% | GrowthRev=+16.3%
EPS next Year (2027-12-31): EPS=3.08 | Chg30d=+5.76% | Revisions=+50% | GrowthEPS=+2.5% | GrowthRev=+4.2%
[Analyst] Revisions Ratio: +12% (up=3, down=2)