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JCAP

Jefferson Capital, Inc. Common Stock

JCAP

Jefferson Capital, Inc. Common Stock • NASDAQ
$20.97 ▲ 0.24% (+0.05)
Market Cap $1.22 B
52w High $22.92
52w Low $15.98
Dividend Yield 0.96%
P/E 8.81
Volume 69.57K
Outstanding Shares 58.29M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $458.182B ▲ $414.593B ▲ $38.362M ▼ 0.008% ▼ $-12.88 ▼ $1.35M ▼
Q2-2025 $152.708M ▼ $207.271M ▲ $47.651M ▼ 31.204% ▼ $18.61 ▲ $62.113M ▼
Q1-2025 $154.9M ▲ $26.9M ▼ $50.7M ▲ 32.731% ▲ $0.87 ▲ $67.328M ▲
Q2-2024 $103.804M ▲ $128.453M ▲ $32.168M ▼ 30.989% ▼ $0.55 ▼ $37.517M ▲
Q1-2024 $99.956M $19.689M $32.898M 32.912% $0.56 $36.245M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $42.27B ▲ $1.803T ▲ $1.366T ▲ $437.372B ▲
Q2-2025 $51.651M ▲ $1.768B ▲ $1.357B ▲ $410.808M ▲
Q1-2025 $27M ▲ $1.714B ▲ $1.341B ▲ $373.5M ▼
Q2-2020 $15.459M ▲ $872.172M ▲ $292.668M ▲ $542.54M ▼
Q1-2020 $7.341M $841.409M $257.305M $551.191M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $38.362M ▼ $63.08M ▼ $-54.553M ▼ $-15.927M ▲ $-9.429M ▼ $62.974M ▼
Q2-2025 $47.649M ▼ $78.885M ▲ $-10.704M ▲ $-42.646M ▼ $25.093M ▲ $78.489M ▲
Q1-2025 $64.227M ▲ $51.68M ▲ $-56.234M ▲ $-463K ▼ $-7.836M ▼ $51.537M ▲
Q2-2024 $32.161M ▼ $47.751M ▲ $-98.533M ▼ $48.511M ▲ $-479K ▲ $47.58M ▲
Q1-2024 $32.898M $35.395M $-65.475M $25.181M $-6.576M $35.24M

Revenue by Products

Product Q2-2020Q3-2020Q2-2025Q3-2025
United Kingdom Segment
United Kingdom Segment
 $0 ▲$0 ▲$10.00M ▲$10.00M ▲
United States Segment
United States Segment
 $0 ▲$0 ▲$110.00M ▲$110.00M ▲
Real Estate
Real Estate
 $0 ▲$10.00M ▲$0 ▼$0 ▲
Service Other
Service Other
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Jefferson Capital shows a business that is growing and fairly profitable, with some mixed signals. Revenue and operating profit have stepped up meaningfully year over year, suggesting the core model of buying and collecting on portfolios is scaling well. Profitability at the operating level looks solid for a financial services firm, indicating they are controlling collection and overhead costs reasonably well. However, bottom‑line net income is not really growing in line with revenue, and earnings per share have actually slipped a bit. That hints at rising interest costs, higher funding expenses, or changes in capital structure that are absorbing some of the operating gains. Overall, the income statement reflects a healthy but still maturing earnings profile, with good operating strength but limited recent progress in per‑share profitability.

Balance Sheet

Balance Sheet The balance sheet tells the story of a company leaning into growth using borrowed money. Total assets have increased strongly, which likely reflects more purchased debt portfolios and a broader operating footprint. This growth has been funded largely by a notable rise in debt, while equity has built up but remains the smaller part of the capital structure. Cash on hand is modest, though improved, which is typical for this type of business but reinforces their dependence on external funding lines. The result is a more leveraged balance sheet: efficient for growth when conditions are favorable, but more exposed to interest rate moves, funding market shifts, and any downturn in collection performance.

Cash Flow

Cash Flow Cash generation looks like a relative strength. Operating cash flow is growing in step with the business and appears well aligned with reported profits, suggesting that earnings are backed by real cash collections rather than accounting adjustments. Free cash flow remains solid because the company does not need heavy spending on physical assets or large capital projects; most of the investment is in portfolios and technology rather than buildings or equipment. This “cash‑light” structure can be attractive, but it also means that capital allocation decisions—how much debt to take on, how aggressively to buy portfolios—will be a key driver of future cash stability.

Competitive Edge

Competitive Edge Jefferson Capital competes in a crowded, often commoditized debt recovery market, but it is trying to differentiate itself in a few clear ways. First, it leans heavily on advanced analytics, proprietary models, and a long history of consumer data to price portfolios and guide collection strategies more precisely than traditional players. Second, it highlights strong compliance and regulatory discipline, which is critical in a highly scrutinized industry and can make it a preferred partner for large, reputation‑sensitive creditors. Third, the company offers consumer‑friendly programs, like Payment Rewards, aimed at turning adversarial collections into more cooperative relationships, which can improve both recovery rates and brand perception. Its client base spans large corporations and multiple asset types, and it already operates in several countries, which adds diversification. At the same time, it still faces intense competition, regulatory risk, and sensitivity to consumer credit cycles, so maintaining this edge will require continuous execution and investment.

Innovation and R&D

Innovation and R&D Innovation at Jefferson Capital is centered on data science and proprietary technology rather than traditional laboratory R&D. The company has built predictive models, AI‑driven decision tools, and platforms such as JX360 and VeriCredit to better value debt portfolios, optimize collections, and handle credit reporting inquiries. These tools are designed to squeeze more value out of each account while staying compliant and consumer‑oriented. Management appears committed to ongoing investment in these capabilities, including expanding the use of artificial intelligence and enhancing their global platforms. International expansion and selective acquisitions are also part of their “innovation” toolkit, as they adapt their data‑driven approach to new markets. The opportunity is to stay ahead of more traditional collectors, but the risk is that analytics and AI are becoming more widely available, so the company will need to keep moving quickly to preserve its technological lead.

Summary

Overall, Jefferson Capital looks like a newly public, growth‑oriented credit services firm that combines solid operating profitability with a more aggressive use of leverage. The business is scaling, margins at the operating level are healthy, and cash conversion is strong, but net income per share has yet to reflect the same pace of improvement. The balance sheet has become more debt‑heavy as the company expands its portfolio holdings, which can amplify both gains and losses depending on the economic cycle and funding costs. Strategically, its emphasis on analytics, proprietary systems, strong compliance, and consumer‑friendly programs gives it a differentiated position in a heavily regulated and often reputation‑sensitive industry. Looking ahead, its prospects will hinge on maintaining collection efficiency, managing leverage and funding risk, and continuing to innovate in technology and international expansion while navigating regulatory and credit‑cycle uncertainties.

NEWS

October 30, 2025 · 4:05 PM UTC

Jefferson Capital to Announce Third Quarter 2025 Results

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October 9, 2025 · 8:00 AM UTC

Jefferson Capital to Ring Opening Bell at Nasdaq to Commemorate Listing as a Public Company

Read more