Jefferson Capital, Inc.: stock overview

JCAPNASDAQFinancial services · Short-Term Business Credit Institutions

Price

$20.88

November 13, 2026Market cap $1.2B

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  • The full history: 3 fiscal years, from 2023
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In short

Jefferson Capital had revenue of $694M over the last 12 months and net income of $164M, a net margin of 23.5%. Revenue grew by 37.8% a year on average over the last 2 years. At $20.88 the shares trade at a P/E of 8.4. It has net debt of $1.5B. It pays a dividend yielding 4.60%.

From its SEC filings (latest fiscal year to December 31, 2025) and the price of November 13, 2026.

Its SEC filings
Market cap
$1.2B
55.33M shares
P/E
8.4
Revenue, 12 months
$694M
+37.8% a year over 2 years
Net margin
23.5%
2025: 30.7%, above 81% of its industry

Worth knowing

What a holder would want to hear from the company's SEC filings of the last three years. Each with its filing, without comment.

3 fiscal years in figures

Each fiscal year's figures as the company filed them, and the share price at its end.

2023–2025 fiscal years

+37.8% a year over 2 years

  • 202510-K
    Revenue$613M
  • 2024
    Revenue$433M
  • 2023
    Revenue$323M

Key figures

The company's current figures in five groups. Each term is explained behind its ⓘ.

Valuation

Market cap 
$1.2B
Enterprise value 
$2.7B
P/E 
8.4
EV / EBIT 
8.4
EV / Revenue 
3.9
P/B 
2.2
FCF yield 
–
Earnings yield 
11.9%

Profitability

Operating margin 
45.9%
Net margin 3-year median: 30.6%
23.5%
ROIC 
11.3%
ROIC, 5-year average 
27.0%
ROE 
34.8%

Growth

Revenue, yearly change 
+41.5%
EPS, yearly change 
–
FCF, yearly change 
–
Revenue, average a year 
+37.8%

The yearly change compares FY2025 with FY2024.

Balance sheet

Cash 
$23M
Total debt 
$1.5B
Net debt 
$1.5B
Net debt / EBITDA 
4.7x
Interest cover 
2.8x
Current ratio 
–

Balance sheet of September 30, 2026.

Returns to shareholders

Dividend yield 
4.60%
Buybacks 
–
Total returned 
4.60%
Shares, yearly change 
–
Valuation against its own pastEach fiscal year's P/E, P/FCF and P/B beside today's, and the DCF calculator for the company.Valuation

Against its industry

Where its margins and returns stood in fiscal 2025 among the SEC filers of its industry (SIC code 61).

Operating margin

51.6%

Above 97% of the 51 companies in its industry, and 98% of all.

Net margin

30.7%

Above 81% of the 105 companies in its industry, and 92% of all.

ROE

39.5%

Above 96% of the 102 companies in its industry, and 95% of all.

ROA

9.0%

Above 91% of the 109 companies in its industry, and 85% of all.

Revenue growth

41.5%

Above 83% of the 106 companies in its industry, and 93% of all.

From the yearly figures every company files with the SEC, for those with revenue of at least $25 million. The industry is the first two digits of the SIC code.

The company at the SEC

How it is registered and when its fiscal year ends.

Name at the SEC
Jefferson Capital, Inc. / DE
CIK
2046042
Exchange
NASDAQ
Industry (SIC)
6153 · Short-Term Business Credit Institutions
Fiscal year ends
December 31
Latest annual report
December 31, 2025
Reporting currency
USD
Shares
55.33M

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The full analysis

What do Jefferson Capital's filings show?

These are Jefferson Capital's figures. The full Ploutos AI analysis reads everything the company has filed and shows what stands behind it, with a source for every figure.

  • A fair value range built from the filings
  • Earnings quality, debt and red flags
  • Insider and institutional moves
  • The case for and the case against

Questions about JCAP

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What is JCAP's market cap?

Jefferson Capital, Inc.'s market cap is $1.2B, at a price of $20.88 on November 13, 2026 and 55.33M shares.

What is JCAP's P/E?

JCAP's P/E is 8.4, on earnings per share of $2.49 over the last 12 months.

How much revenue does JCAP have?

Jefferson Capital had revenue of $694M over the last 12 months. Over the last 2 years it changed by +37.8% a year on average.

Does JCAP pay a dividend?

Yes. Jefferson Capital paid $0.96 per share over the last 12 months, a yield of 4.60% at today's price. All the figures are in the Dividend section.

Where do the figures come from?

From Jefferson Capital, Inc.'s SEC filings (10-K and 10-Q) and the share price. They hold no analyst estimates and no score, and they are not a recommendation.

Related pages

The other pages on US stocks, free to read. On the company pages, the last three fiscal years are open to everyone, five with a free account, and every year with Ploutos Investor.

US stocksThe market today, the sectors, the largest companies and the week's results.The market's sectorsThe 11 sectors side by side: returns, share of the market, median P/E and dividend.Compare stocksTwo companies side by side: price over up to ten years, with and without dividends, and every figure.US dividend stocksEach dividend's yield next to whether the company's cash covers it and whether it was ever cut.

The figures come from the company's SEC filings and the share price, and describe what it has reported. They are not a score or a fair value.