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Jefferson Capital, Inc.
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NASDAQ: JCAP Financials IT 🔎 Screen
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$598M
Market Cap
4.0
P/E
—
PEG
19.3%
ROCE
43.8%
ROE
2.97
D/E
63.0%
OPM
-16.0%
% from 52W High
74
α RS
🔍 JCAP is showing a multi-screen setup because it matches 6 of 39 tracked screener presets, Sector RRG has Financials in the Improving quadrant with the trail still strengthening, and RS Rating is 74. The main caution: the Large Cap Quality preset's Backtest win rate is only 48%. Net: Mixed signal stack, not a recommendation. ? Conviction RRG RS Rating Backtest
Sources
Conviction 6/39 · Financials in Improving quadrant · RS Rating 74 · Backtest win rate 48%
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🌏 Global Investor Returns
Currency-adjusted total returns for JCAP including FX impact
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📈 Price History
Ratio Health
— Excellent
— Good
— Average
— Poor
By Category
📊 Peer Medians
About

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 consumer receivables at discounts to face value and manage them by working with individuals as they repay obligations and work toward financial recovery. The company offers consumer receivables, including credit card, secured and unsecured automotive, utilities, telecom, and other receivables. It also provides debt servicing and other portfolio management services to credit originators for nonperforming loans. Jefferson Capital, Inc. was founded in 2002 and is headquartered in Minneapolis, Minnesota.

Key Ratios Snapshot
📈 Growth Pattern
📊 Quick Scorecard
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Manager Shares Value % of Fund Period
Jim Simons Renaissance Technologies LLC 178.0K $3.4M 0.01% Mar 2026

SEC Form 13F data. 45-day lag from quarter end.

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✓ 📞 Earnings Call Transcripts (4 quarters) submit a missing quarter
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📞 Earnings Call Transcripts (4)
Q1 2026 Q1 2026 2026-05-14
Record collections and revenue growth were driven by strong portfolio deployments and operational efficiency. Elevated court costs reflect increased legal channel activity, while liquidity and capital allocation remain robust. Management expects continued strong performance amid favorable market conditions.
Q4 2025 Q4 2025 2026-03-12
Record Q4 and full-year results with strong collections, revenue, and efficiency metrics. Elevated portfolio supply and stable returns support a positive outlook, with Bluestem expected to drive 2026 growth. Liquidity and capital structure improvements position the company for continued expansion.
Q3 2025 Q3 2025 2025-11-13
Collections and revenue surged year over year, with record portfolio deployments and sector-leading efficiency. The company strengthened its liquidity, completed a major credit facility amendment, and expects continued growth from the Blue Stem acquisition and robust market conditions.
Q2 2025 Q2 2025 2025-08-14
Q2 saw revenue up 47% and collections up 85% year-over-year, with record ERC and sector-leading efficiency. Strong liquidity, a successful IPO, and robust portfolio supply position the company for continued growth, despite a one-time tax adjustment.
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📊 Analysis Methodology

This comprehensive investment analysis was conducted using The Finmagine™ Stock Analysis & Ranking Methodology, a proprietary framework that systematically evaluates stocks across five critical dimensions: Financial Health, Growth Prospects, Competitive Positioning, Management Quality, and Valuation.

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Financial Model
Projections are built from each company's audited annual financials (Income Statement, Balance Sheet, Cash Flow) over the last 5 fiscal years. Forward assumptions — revenue growth %, EBITDA margin, D&A (USD millions), interest expense, tax rate, and capex — are AI-generated using historical context and refreshed twice a year: after the December results season and after the September/Q4 results season.

DCF Valuation
Fair Value = Σ(FCFt / (1+WACC)t) + Terminal Value. Terminal Value uses the Gordon Growth Model: FCF5 × (1+g) / (WACC−g). Default WACC: 10% (US risk-free ~4.5%, equity risk premium ~5.5%). Default terminal growth: 3% (long-run US nominal GDP proxy).

CAGR Tracker
Expected 5-year CAGR = (DCF Fair Value / Current Price)1/5 − 1. Assumes fair value is reached in exactly 5 years — a mechanical estimate only.

Data Sources & Limitations
Financial statements sourced from public filings. Prices updated daily. Forward assumptions are AI-generated. All monetary values in USD millions. Non-US ADR companies may have currency conversion inaccuracies. Models are point-in-time and do not update intra-quarter or account for M&A, macro shocks, or extraordinary items.

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Investment Risk:
Investing in securities, including US equities and ETFs, involves inherent risks including the potential loss of principal. All investments are subject to market fluctuations, economic conditions, regulatory changes, and other factors that may affect their value. Past performance is not indicative of future results. This analysis is provided for informational and educational purposes only and should not be construed as investment advice under any circumstances.

No Investment Recommendation:
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Conflict of Interest Disclosure:
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Information Sources:
The analysis is based on publicly available information including SEC filings (10-K, 10-Q), annual reports, management commentary, and publicly available financial data. Information is believed to be accurate as of the date of publication but may be subject to change without notice. Readers are encouraged to independently verify all information before acting upon it.

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