ScreenerHero
JCAPJefferson Capital, Inc.
NAS · US · Financial Services · Credit Services · jcap.com
19.66USD+2.72%Mkt Cap: 1.21B $P/E: 3.82

Jefferson Capital, Inc. provides debt recovery solutions and other related services in the United States, the United Kingdom, Canada, and Latin America. It primarily purchases portfolios of previously charged-off consume…

Industry Peers

Credit Services
Screen all
V
Visa Inc.
$694.40BUSDP/E 31.8
MA
Mastercard Incorporated
$487.33BUSDP/E 31.9
AXP
American Express Company
$246.71BUSDP/E 22.6
COF
Capital One Financial Corporation
$130.55BUSDP/E 65.0
PYPL
PayPal Holdings, Inc.
$50.04BUSDP/E 10.6
AFRM
Affirm Holdings, Inc.
$26.74BUSDP/E 72.6
SYF
Synchrony Financial
$24.99BUSDP/E 7.7
SOFI
SoFi Technologies, Inc.
$22.22BUSDP/E 38.5
ALLY
Ally Financial Inc.
$14.35BUSDP/E 11.4
FCFS
FirstCash Holdings, Inc.
$9.49BUSDP/E 27.1
OMF
OneMain Holdings, Inc.
$7.08BUSDP/E 9.1
EDEN
Edenred SE
$6.57BUSDP/E 12.3
CACC
Credit Acceptance Corporation
$6.67BUSDP/E 15.9
SEZL
Sezzle Inc.
$6.07BUSDP/E 43.1
ENVA
Enova International, Inc.
$5.86BUSDP/E 19.1
NNI
Nelnet, Inc.
$4.86BUSDP/E 11.8
SLM
SLM Corporation
$4.83BUSDP/E 7.1
BFH
Bread Financial Holdings, Inc.
$3.97BUSDP/E 8.0
UPST
Upstart Holdings, Inc.
$2.96BUSDP/E 75.3
WU
The Western Union Company
$2.61BUSDP/E 6.1
AGM
Federal Agricultural Mortgage Corporation
$2.24BUSDP/E 11.9
KRU
KRUK Spólka Akcyjna
$2.08BUSDP/E 7.9
EZPW
EZCORP, Inc.
$2.00BUSDP/E 17.6
ECPG
Encore Capital Group, Inc.
$1.98BUSDP/E 7.2
HOFI
Hoist Finance AB (publ)
$1.46BUSDP/E 13.6
ATLC
Atlanticus Holdings Corporation
$1.56BUSDP/E 15.4
MOL
Moltiply Group S.p.A.
$1.44BUSDP/E 34.6
AGM-A
Federal Agricultural Mortgage Corporation
$1.52BUSDP/E 8.1
OPFI
OppFi Inc.
$1.35BUSDP/E 4.6
INTRUM
Intrum AB (publ)
$982.69MUSD
B2I
B2 Impact ASA
$856.31MUSDP/E 14.0
WRLD
World Acceptance Corporation
$906.44MUSDP/E 28.4
NAVI
Navient Corporation
$814.89MUSD
GDOT
Green Dot Corporation
$765.78MUSD
PRAA
PRA Group, Inc.
$702.17MUSD
HYQ
Hypoport SE
$652.09MUSDP/E 21.3
BFF
BFF Bank S.p.A.
$615.98MUSDP/E 11.5
IPF
International Personal Finance plc
$600.00MUSDP/E 10.4
GLJ
Grenke AG
$583.92MUSDP/E 9.4
FCH
Funding Circle Holdings plc
$576.42MUSDP/E 13.4
GSY
goeasy Ltd.
$592.13MUSD
ACR
Axactor ASA
$375.29MUSDP/E 5.1
GF
Generalfinance S.p.A.
$379.05MUSDP/E 12.2
RM
Regional Management Corp.
$393.19MUSDP/E 8.7
LPRO
Open Lending Corporation
$371.53MUSD
ISFIN
Is Finansal Kiralama Anonim Sirketi
$329.21MUSDP/E 3.6
OPRT
Oportun Financial Corporation
$296.38MUSDP/E 17.4
SUS
S&U plc
$258.20MUSDP/E 10.0
CRDFA
Creditwest Faktoring Anonim Sirketi
$291.26MUSDP/E 13.3
BST
BEST S.A.
$245.24MUSDP/E 7.4
GARFA
Garanti Faktoring A.S.
$278.51MUSDP/E 4.9
MFIN
Medallion Financial Corp.
$236.44MUSDP/E 6.9
FOA
Finance of America Companies Inc.
$219.39MUSDP/E 10.9
CPSS
Consumer Portfolio Services, Inc.
$201.36MUSDP/E 10.9
VAKFN
Vakif Finansal Kiralama A.S.
$187.72MUSDP/E 4.0
DFCH
Distribution Finance Capital Holdings plc
$126.05MUSDP/E 8.8
SUIG
SUI Group Holdings Limited
$90.61MUSD
DGR1R
DelfinGroup AS
$74.63MUSDP/E 6.6
QLIRO
Qliro AB (publ)
$64.59MUSD
ALG
ALBIS Leasing AG
$65.43MUSDP/E 14.9
LIDFA
Lider Faktoring A.S.
$74.72MUSDP/E 3.1
TIME
Time Finance plc
$50.02MUSDP/E 7.2
KK
Kruso Kapital S.p.A.
$47.19MUSDP/E Infinity
PVT
RMS Mezzanine, a.s.
$43.67MUSDP/E 15.3
VRM
Vroom, Inc.
$37.44MUSD
GVT
Grupa Virtus Spolka Akcyjna
$24.77MUSD
SEKFK
Seker Finansal Kiralama A.S.
$24.15MUSDP/E 4.6
AFCC-H
Automotive Finco Corp.
$19.05MUSDP/E 33.0
FRS
FORIS AG
$16.19MUSD
ORCH
Orchard Funding Group plc
$14.39MUSDP/E 4.4
CAP
Capitea S.A.
$11.65MUSDP/E 4.6
TUF
LIBERO football finance AG I
$8.25MUSD
MLRZE
Raize - Instituição de Pagamentos, S.A.
$7.99MUSDP/E Infinity
CRWN
Crown Capital Partners Inc.
$7.36MUSD
MIT
The Mint Corporation
$5.15MUSD
ACD
Accord Financial Corp.
$3.68MUSD
PRI
NPL Nova S.A.
$3.13MUSD
PBF
PBS Finanse S.A.
$3.04MUSDP/E 115.0
MWT
M.W. Trade SA
$1.86MUSD
ATLCL
Atlanticus Holdings Corporation 6.125% Senior Notes due 2026
—
GAINI
Gladstone Investment Corporation
—
COF-PJ
Capital One Financial Corporation
—P/E 0.7
COF-PI
Capital One Financial Corporation
—P/E 0.7
SYF-PA
Synchrony Financial
—P/E 2.5
ATLCP
Atlanticus Holdings Corporation
—P/E 3.2
AGM-PE
Federal Agricultural Mortgage Corporation
—P/E 1.9
SLMBP
SLM Corporation
—P/E 34.7
AGM-PF
Federal Agricultural Mortgage Corporation
—P/E 1.7
BTMWW
Bitcoin Depot Inc.
—
AGM-PD
Federal Agricultural Mortgage Corporation
—P/E 1.9
Indicators:|

Key Statistics

Company
Market Cap1.21B $
Enterprise Value2.47B $
Revenue (TTM)625.35M $
Gross Profit449.14M $
Net Income (TTM)187.97M $
Revenue/Share11.29 USD
Last Price19.66 USD
Fiscal Year EndDec 2025
MR QuarterMar 2026
Employees1.2K
CountryUS
SectorFinancial Services
IndustryCredit Services
ISIN—
Valuation
P/E (Trailing)3.82
P/E (Forward)6.76
PEG—
EV/EBITDA6.54
EV/Revenue3.95
P/S1.94
P/B2.46
EPS (TTM)5.15
EPS (Forward)2.91
52W Range
15.5150% of range23.80
52W High23.80 USD
52W Low15.51 USD
Profitability
Gross Margin73.24%
Oper. Margin47.34%
EBITDA Margin60.47%
Profit Margin30.65%
ROE39.48%
ROA9.00%
Growth
Revenue Growth11.90%
Earnings Growth—
Cash Flow & Leverage
Operating CF268.81M $
CapEx (TTM)1.08M $
FCF Margin-21.57%
FCF Yield-11.14%
Net Debt1.41B $
Net Debt/EBITDA3.73
Balance Sheet
Debt/Equity2.96
Current Ratio5.13
Quick Ratio5.08
Book Value/Sh7.998 USD
Cash/Share0.4740 USD
Dividends
Fwd Div Rate—
Trail. Div Rate0.7200 USD
Div. Yield—
5Y Avg Yield—
Payout Ratio—
Ex-Div Date—
Pay DateJun 4, 2026
Analyst Consensus
Rating1.6 (Buy)
Strong BuyBuyHoldSellStr. Sell
Target (Mean)26.00 USD
Upside (mean)+32.2%
Target Range21.00 USD – 29.00 USD
$21.00+32.2% to mean$29.00
# Analysts5
Ownership
Shares Out.61.61M
Float14.71M
Insiders9.27%
Institutions98.99%
Short Interest
Short Ratio3.2d
Short % Float4.97%
Short % Out.1.91%
Shares Short1.18M
Short (prev mo.)1.02M
Technical
SMA 5017.92 (+9.7%)
SMA 20019.89 (-1.2%)
Beta—
S&P 52W Chg20.25%
Avg Vol (30d)317.63K
Avg Vol (10d)259.49K
Technical Indicators
RSI (14)64.4
MACD0.4060
MACD Signal0.3149
MACD Hist.+0.0911
BB Upper20.14 USD
BB Middle18.52 USD
BB Lower16.90 USD
BB Width17.45%
ATR (14)0.7286 USD
Vol Ratio (20d)1.90x