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    J

    Jefferson Capital, Inc. Common Stock (JCAP)

    Official site

    FINANCIAL SERVICES • CREDIT SERVICES • NASDAQ

    $20.74
    +0.44 (+2.17%)

    Market Cap: $1.17B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    80%(4/5)
    Avg Surprise
    +8.65%
    Streak
    4 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.73
    Range$0.70 - $0.76
    4 analysts
    EPS Revisions
    3
    0
    7d
    3
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$0.70+3.5%
    60d ago$0.70+3.5%
    30d ago$0.730.0%
    7d ago$0.730.0%
    Current$0.73
    Revenue Consensus
    $177M
    Range$174M - $180M
    5 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.89
    Range$0.82 - $0.97
    4 analysts
    Revenue Consensus
    $195M
    Range$193M - $199M
    5 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.89---
    Sep 26EST
    		-$0.73---
    Jun 26
    Reported Aug 13
    		$0.67$0.63+6.35%Beat-17.3%
    Mar 26
    Reported May 14
    		$0.73$0.68+7.35%Beat-24.7%
    Dec 25
    Reported Mar 12
    		$0.69$0.66+4.55%Beat-
    Sep 25
    Reported Nov 13
    		$0.79$0.62+27.42%Beat-
    Jun 25
    Reported Aug 14
    		$0.81$0.83-2.41%Miss-
    Mar 25
    Reported May 28
    		$0.97$0.00N/ABeat-

    Dividends

    Dividend Metrics

    Forward Yield4.63%
    Forward Annual Dividend$0.96
    Payout Ratio34.38%
    FrequencyQuarterly
    Pay MonthsApr, Jun, Sep, Dec

    Key Metrics

    Valuation
    P/E Ratio7.20EV/EBITDA7.90x
    Price/FCF5.23xFCF Yield19.11%
    Profitability
    Profit Margin24.10%Operating Margin61.20%
    ROE34.90%ROIC13.17%
    Financial Health
    Debt/Equity2.95xInterest Coverage2.67x
    Current Ratio0.50xQuick Ratio0.50x
    Trading Statistics
    BetaN/AAvg Volume267.93K
    52-Week High$24.1852-Week Low$15.33

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$20.06
    SMA 20$19.80
    SMA 50$20.84
    SMA 200$19.79
    EMA 10$20.17
    EMA 20$20.13
    EMA 50$20.21
    EMA 200$19.63

    MACD

    Line: -0.05Signal: -0.22Hist: 0.17

    ADX

    ADX: 18.0+DI: 23.0-DI: 16.3

    Aroon & PSAR

    Aroon UpN/A
    Aroon Down60.0
    PSAR$19.45

    Bollinger Bands

    Upper Band$20.88
    Lower Band$18.72
    %B Position1088%(Upper)
    Band Width0.94

    RSI (14-Day)

    Neutral
    58.4

    Momentum Oscillators

    Stoch %K91.7
    Stoch %D89.8
    Williams %R-4.7
    ROC (10d)8.4%
    Momentum1.60
    CCI (20d)137.3
    MFI (14d)66.0

    Volatility Measures

    ATR (14d)$0.56(2.7%)
    StdDev (20d)0.54
    Hist Vol25.1%(Moderate)

    Volume Flow

    VWAP$20.68
    OBV5.4M
    AD Line-106.4M
    CMF (20d)0.284

    Volume Metrics

    Avg Vol (20d)274.9K
    Vol Ratio0.8x
    VWMA (20d)$19.84

    Pivot Points

    R3$20.90
    R2$20.65
    R1$20.48
    Pivot Point$20.23
    S1$20.06
    S2$19.81
    S3$19.64

    Advanced Oscillators

    TSI-3.35
    Ultimate Osc68.9
    KST-54.97

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Jun 2020Mar 2020
    Total Revenue$177.54M$176.44M$154.80M$150.84M$152.71M$154.94M$118.94M$110.60M$103.80M$99.96M$11.67M$11.70M
    Cost of Revenue$757,000$624,000$47.39M$569,000$560,000$542,000$36.88M$867,000$983,000$28.34M$2.63M$2.05M
    Gross Profit$176.78M$175.81M$107.41M$150.27M$152.15M$154.40M$82.06M$109.73M$102.82M$71.62M$9.04M$9.65M
    Operating Expenses$95.35M$95.63M$63.30M$80.24M$65.51M$65.14M$28.26M$50.31M$47.67M$19.69M$7.78M$7.58M
    R&D$0$0$0$0$0$0$0$0$0$0$28,000$52,000
    SG&A$7.80M$6.80M$40.06M$7.96M$14.46M$6.71M$27.80M$3.95M$4.01M$22.41M$3.43M$3.94M
    Operating Income$81.43M$80.19M$44.12M$70.04M$86.64M$89.27M$53.80M$59.43M$55.15M$51.93M$1.26M$2.07M
    Interest Income$0$0$0$0$0$0$0$0$0$0$0$0
    Interest Expense$30.37M$30.58M$28.60M$26.47M$25.82M$24.82M$23.93M$19.75M$18.20M$17.09M$3.07M$3.21M
    Income Before Tax$53.33M$51.06M$44.12M$45.51M$61.91M$66.91M$29.87M$39.23M$34.07M$34.84M$474,000$-106,477,000
    Income Tax Expense$12.04M$13.42M$6.38M$7.15M$14.26M$2.68M$26.50M$2.36M$1.90M$1.94M$815,000$-53,642,000
    Net Income$41.30M$37.63M$37.73M$38.36M$47.65M$64.23M$3.36M$36.88M$32.17M$32.90M$-341,000$-52,835,000
    EBITDA$86.24M$84.15M$45.16M$74.85M$90.35M$94.45M$41.95M$60.63M$52.83M$36.24M$6.41M$-47,968,000
    EBIT$83.70M$81.63M$44.12M$71.98M$87.73M$91.72M$36.77M$58.99M$52.27M$34.71M$2.07M$-51,570,000
    * Some calculated fields are derived from available data when not provided by source

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    News

    Jefferson Capital trades at 8.5x P/E with 5% yield amid growth and legal risks

    Jefferson Capital, Inc. is trading at an 8.5x GAAP P/E ratio with a 5% dividend yield, reflecting market concerns over legal and consumer solvency risks despite aggressive expansion and increased recovery estimates....

    Pluang•10/6/26•Neutral

    Hot Sheet Cases Filed in 20th Judicial Circuit August 28, 2026

    This article provides a "Hot Sheet" detailing cases filed in the 20th Judicial Circuit on August 28, 2026, compiled by Linda Boster. It lists various civil, criminal...

    Rickey Stokes News•8/31/26•Neutral

    Have Jefferson Capital Insiders Been Selling Stock?

    Recently, Jefferson Capital insiders have been selling stock, with the President of U.S. Business Lines selling US$1.3 million worth of shares and the company President selling US$7.9 million worth over the last year....

    Sahm•8/24/26•Somewhat-Bearish

    Have Jefferson Capital Insiders Been Selling Stock?

    Insiders at Jefferson Capital (NASDAQ: JCAP) have recently sold shares, with Mark Zellmann selling US$1.3 million worth and David Burton selling US$7.9 million. While these sales represent a small percentage of their...

    Simply Wall Street•8/23/26•Somewhat-Bearish

    Jefferson Capital Issues $100 Million 8.250% Senior Notes Due 2030 to Refinance Debt

    Jefferson Capital, through its subsidiary Jefferson Capital Holdings, has issued $100 million in 8.250% Senior Notes due 2030. The private offering aims to refinance existing debt under the company's revolving credit...

    TradingView•8/21/26•Neutral

    JCAP Valuation and Fair Value

    P/E
    7.2x
    EV/EBITDA
    7.9x
    P/FCF
    5.2x
    P/B
    2.4x
    See GNG's fair value

    JCAP Profitability: Margins, ROIC and FCF

    Gross margin
    99.6%
    Operating margin
    61.2%
    Net margin
    24.1%
    ROIC
    13.2%
    ROE
    34.9%
    FCF margin
    33.4%
    FCF yield
    19.1%

    JCAP Competitors

    CompanyTicker
    Neuberger Berman Next Generation Connectivity Fund IncNBXG
    Trupanion IncTRUP
    Preferred BankPFBC
    Gold.com, Inc.GOLD
    Old Second Bancorp IncOSBC
    Univest Corporation PennsylvaniaUVSP
    Hbt Financial IncHBT
    Heritage Financial CorporationHFWA

    Sector: Financial Services

    JCAP Analyst Ratings

    Consensus
    Strong Buy
    Analysts
    5
    Strong Buy
    3
    Buy
    2
    Hold
    0
    Sell
    0
    Strong Sell
    0

    JCAP Bull Case vs Bear Case

    Bull case

    • JCAP converts 33.4% of revenue into free cash flow.
    • JCAP has a 24.1% net profit margin.
    • JCAP beat EPS estimates in 83.3% of its last 6 reported quarters.

    Bear case

    • JCAP has a debt-to-equity ratio of 3.0x.

    JCAP Earnings: Beat Rate and Next Report

    Beat rate
    5 of 6 quarters (83.3%)
    Average surprise
    8.7%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.73
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    3 up, 0 down

    JCAP Dividend

    Forward yield
    4.6%
    Payout ratio
    34.4%
    Pay months
    Apr, Jun, Sep, Dec

    Frequently Asked Questions About JCAP

    What is JCAP's current dividend yield?

    Jefferson Capital, Inc. Common Stock (JCAP) has a forward dividend yield of 4.63%.

    Does JCAP pay dividends?

    Yes, Jefferson Capital, Inc. Common Stock pays dividends with a forward dividend yield of 4.63%.

    What is JCAP's P/E ratio?

    Jefferson Capital, Inc. Common Stock has a price-to-earnings (P/E) ratio of 7.20.

    What is JCAP's market cap?

    Jefferson Capital, Inc. Common Stock (JCAP) has a market capitalization of $1.17B with a current stock price of $20.74.

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    Sector: Financial Services

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