Jefferson Capital, Inc. Common Stock (JCAP) Stock

Jefferson Capital, Inc. Common Stock (JCAP) is a Financials stock trading at $22.32 (as of 2026-08-20), with a market capitalization of $1.28B and a trailing P/E of 7.8. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Jefferson Capital, Inc. provides debt recovery and related services, including the purchase and management of charged-off consumer receivable portfolios, and debt servicing and portfolio management for credit originators. It serves customers and portfolios in the United States, the United Kingdom, Canada, and Latin America.

Understand Jefferson Capital, Inc. Common Stock: how it makes money

Jefferson Capital buys portfolios of previously charged-off consumer receivables at deep discounts, then works with individuals as they repay, earning portfolio revenue and servicing and other portfolio management related income.

Profit is driven by the gap between what Jefferson Capital pays for charged-off receivable portfolios and what it ultimately collects from those receivables, with additional contribution from servicing and portfolio management.

Business quality (Exceptional): Revenue breakdown by reportable segments is not provided in the facts, but management discloses operating indicators tied to remaining collections, forward flows, and servicing.

Valuation: At 3× earnings, JCAP trades 76% below the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Collection-focused operating visibility: The company tracks Estimated Remaining Collections (USD_B) and also discloses metrics tied to forward flows and locked deployments, which helps investors connect current activity to expected future collections.
  • Multiple portfolio revenue streams: Portfolio revenue is shown for multiple portfolio purchases (including Bluestem, Cons, and Kohn's), plus separate servicing revenue, indicating income is not tied to a single exposure name.

Bear case

  • Business sensitivity to consumer repayment outcomes: Because the company manages charged-off receivables as individuals repay, realized collections and the timing of collections can diverge from expectations.
  • Revenue mix concentration risk: Some candidate revenue line items appear at or near zero in the provided facts, including Credit Card Revenue and Servicing Revenue Related to Cons Portfolio Purchase, which suggests results may be concentrated in specific portfolio structures.
Valuation — source: SEC EDGAR (first-party)
Price$22.32
Market Cap$1.28B
P/E Ratio7.8
EV / EBITDA3.9
Price / Book2.69
Price / Sales1.95
FCF Yield25.2%
DCF Value (model)$47.87
DCF Upside vs Price114.5%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$613.29M
Net Margin30.6%
Revenue Growth (YoY)16.3%
EPS Growth (YoY)-96.4%
Valuation vs Sector & Industry
Stock P/E7.8
Sector P/E (Financials)15.1
Industry P/E (Banking)12.9
vs Sector-48.7%
vs Industry-39.8%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderWELLINGTON MANAGEMENT GROUP LLP ($62.90M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEODavid Burton
Employees1,205
CountryUS
IPO Date2025-06-25

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JCAP earnings history · JCAP institutional & insider holders · JCAP KPIs & operating metrics · JCAP financials · JCAP investor presentations & press releases · JCAP SEC filings · JCAP peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.