JCAP Stock Analysis: Jefferson Capital, Common | NASDAQ
Credit Services | NASDAQ, USA | Market Cap: 1.100m USD | 12M Return: 12.3% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 5.50M
Qual. Beats: 0
Rev. Trend: 99.9%
Warnings
Tailwinds
No distinct edge detected
Seasonality 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: 161.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.12 > 0.02 and ΔFCF/TA 1.69 > 1.0 |
| NWC/Revenue: 261.5% < 20% (prev 317.3%; Δ -55.84% < -1%) |
| CFO/TA 0.12 > 3% & CFO 253.1m > Net Income 161.4m |
| Net Debt (1.41b) to EBITDA (263.1m): 5.38 < 3 |
| Current Ratio: 5.81 > 1.5 & < 3 |
| Outstanding Shares: last quarter (55.6m) vs 12m ago -4.59% < -2% |
| Gross Margin: 66.75% > 18% (prev 71.88%; Δ -5.13% > 0.5%) |
| Asset Turnover: 33.42% > 50% (prev 28.48%; Δ 4.94% > 0%) |
| Interest Coverage Ratio: 0.00 > 6 (EBIT TTM 258.6m / Interest Expense TTM 77.3b) |
| A: 0.80 (Total Current Assets 2.00b - Total Current Liabilities 345.1m) / 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: 0.27 (Book Value of Equity 442.9m / Total Liabilities 1.64b) |
| Altman-Z'' = 7.18 = AAA |
| DSRI: 0.96 (Receivables 1.96b/1.58b, Revenue 634.8m/488.2m) |
| GMI: 1.08 (GM 71.88% / 66.75%) |
| AQI: 0.61 (AQ_t 0.04 / 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 = -3.01 (Cap -4..+1) = AA |
As of July 10, 2026, the stock is trading at USD 18.52 with a total of 229,643 shares traded. Over the past week, the price has changed by -5.56%, over one month by +14.39%, over three months by -5.86% and over the past year by +12.27%.
Current recommended Stop Loss: 17.50 (which is 5.5% or 1.5 ATR below the current price).
Jefferson Capital, Common has no consensus analysts rating.
P/E Trailing = 3.466
P/S = 1.7587
P/B = 2.355
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 = 254.2m 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 = 2.51b USD (1.10b + Debt 1.44b - CCE 26.2m)
Interest Coverage Ratio = 0.00 (Ebit TTM 258.6m / Interest Expense TTM 77.3b)
EV/FCF = 9.98x (Enterprise Value 2.51b / FCF TTM 252.1m)
FCF Yield = 10.02% (FCF TTM 252.1m / Enterprise Value 2.51b)
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 = 1.21 (Enterprise Value 2.51b / Total Assets 2.08b)
Interest Expense / Debt = 5.36k% (Interest Expense 77.3b / Debt 1.44b)
Taxrate = 20.34% (41.2m / 202.6m)
NOPAT = 206.0m (EBIT 258.6m * (1 - 20.34%))
Current Ratio = 5.81 (Total Current Assets 2.00b / Total Current Liabilities 345.1m)
Debt / Equity = 3.25 (Debt 1.44b / totalStockholderEquity, last quarter 442.9m)
Debt / EBITDA = 5.38 (Net Debt 1.41b / EBITDA 263.1m)
Debt / FCF = 5.61 (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 = 10.47% (NOPAT 206.0m / Invested Capital 1.97b)
WACC = 3.03% (E(1.10b)/V(2.54b) * Re(7.01%) + (debt cost/tax rate unavailable))
Discount Rate = 7.01% (= 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 = 68.74 (EV 5.65b - Net Debt 1.41b = Equity 4.24b / Shares 61.6m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.11 | # 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=+0% | Analysts=4
EPS next Quarter (2026-09-30): EPS=0.71 | Chg30d=-0.35% | Revisions=-17% | Analysts=4
EPS current Year (2026-12-31): EPS=2.88 | Chg30d=+1.41% | Revisions=+29% | GrowthEPS=-57.4% | GrowthRev=+12.5%
EPS next Year (2027-12-31): EPS=2.91 | Chg30d=+0.87% | Revisions=+50% | GrowthEPS=+1.0% | GrowthRev=+3.3%
[Analyst] Revisions Ratio: +27% (up=8, down=4)