JCAP
Jefferson Capital, Inc. / DE
Next earnings Aug 12, 2026 · consensus $0.71 EPS, $174M rev
Last earnings +0.2% on 2026-05-14
$19.13
▲ +5.05%$19.13▲ +8.52%
over 1Y
L $15.47EODHDH $22.76
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+5.1%
1W+12.7%
1M+11.5%
3M+4.5%
YTD-11.2%
1Y+8.5%
Buy
Conviction
Horizon
Medium (3–12mo)
12-mo target
$•••
Street · 13 analysts
Buy
Distressed-debt buyer compounding earnings >40% at 3.2x P/E and 39.5% ROE — market is mispricing a high-quality specialty finance name.
P/E (trailing) 3.2x · FY2025
The read
Quality fundamentals and an attractive price line up (~1020% below fair value) — the rarer case where both the business and the entry look good.
JCAP is a debt-recovery specialist that purchases charged-off consumer receivables at deep discounts (FY2025 deployments of $832M acquired $13.03B of face value — an average 6.4% of face) and collects them at scale across four geographic segments. The fundamentals are exceptional: FY2025 revenue grew 41.5% to $613M, net income jumped 45.8% to $188M, and operating margin expanded to 51.6% with 39.5% ROE. This is the third straight year of accelerating growth (revenue $323M → $433M → $613M; net income $112M → $129M → $188M), and operating cash flow surged 59.8% to $269M, validating that GAAP earnings are converting to cash.
Financials · annual, by fiscal year
| Line item | FY23 | FY24 | FY25 |
|---|---|---|---|
| Revenue | $323M | $433M | $613M |
| Gross profit | — | — | — |
| Operating income | $164M | $220M | $316M |
| Net income | $112M | $129M | $188M |
| Diluted EPS | — | — | $5.64 |
| Net margin | 34.5% | 29.7% | 30.6% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF—
PEG (trailing)0.07
Earnings yield17.8%
FCF yield—
Quality & risk
ROIC (est.)11.2%
Free cash flow—
Total debt$1.75B
Net cash-$1.73B
Capital returns
Buyback yield—
Dividend yield (est.)6.0%
Shareholder yield6.0%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsRecent disclosure tone has been improving.
- 8-K Shareholder vote2026-06-08
Annual meeting vote results disclosed; routine governance outcome
- 8-K Earnings results2026-05-14
Q1 2026 10-Q filed; continues strong post-IPO growth trajectory
- 10-Q Quarterly report2026-05-14
Q1 2026 10-Q filed; continues strong post-IPO growth trajectory
- 8-K Material agreement2026-04-23
New material agreement and debt obligation; expands financing capacity for deployments
- DEF 14A Proxy statement2026-04-21
Routine proxy for annual meeting; standard director/governance items
- 8-K Officer / director change2026-03-18
Officer/director change disclosed; leadership transition
- 8-K Officer / director change2026-03-17
Officer/director change disclosed; leadership transition
- 10-K Annual report2026-03-13
FY2025 10-K: $613M rev, 51.6% op margin, ERC up 23% to $3.38B
- 8-K Earnings results2026-03-12
FY2025 earnings release: revenue +41%, net income +46% YoY
Recent filings
all on EDGAR ↗8-KPeriod ending 2026-06-052026-06-08open ↗SCHEDULE 13GFiling2026-05-15open ↗10-QPeriod ending 2026-03-312026-05-14open ↗8-KPeriod ending 2026-05-142026-05-14open ↗SCHEDULE 13G/AFiling2026-05-08open ↗8-KPeriod ending 2026-04-222026-04-23open ↗DEFA14AFiling2026-04-21open ↗DEF 14APeriod ending 2026-06-052026-04-21open ↗4Period ending 2026-03-182026-03-18open ↗3Period ending 2026-03-182026-03-18open ↗3Period ending 2026-03-182026-03-18open ↗8-KPeriod ending 2026-03-182026-03-18open ↗
Frequently asked
- Is Jefferson Capital, Inc. / DE (JCAP) a buy?
- JCAP currently carries a Buy rating with 4/5 conviction, derived from its latest SEC filings. Distressed-debt buyer compounding earnings >40% at 3.2x P/E and 39.5% ROE — market is mispricing a high-quality specialty finance name.
- What is JCAP's fair value?
- A Modified-Graham model based on JCAP's SEC fundamentals estimates a fair value of about $214.32. It is an estimate from reported earnings, not a price target.
- Is JCAP overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, JCAP currently appears undervalued relative to its SEC-grounded earnings power.
- What is Jefferson Capital, Inc. / DE's quality score?
- JCAP scores 89.94117647058823/100 (grade A) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0002046042, latest 10-Q filed 2026-05-14) · EODHD · analysis by claude-code · as of 6/25/2026, 2:24:47 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.