JCAP Financial Services

Jefferson Capital, Inc.

$20.08-0.99%

Price as of close on Nov 3, 2026 · Financials updated Oct 9, 2026

Basics

Sector: Financial Services
Industry: Credit Services
Country: United States
Market cap: 1.2B USD
Full-time employees: 1,120

Overall health

Strength: more profitable than most peersmore profitable than peers
Strength: its shares are priced lower than most peers relative to what it earnspriced lower than peers for its earnings
Drawback: higher risk than most peers: more debt relative to equity (2.95× vs a peer median of 0.57×)higher risk: more debt vs equity (2.95× vs peers 0.57×)
About average: growth

Ranks #59 of 232 financial services companies (top 26%)

See how it ranks against its peers

Worth knowing

Nothing unusual stands out. Its strongest area is valuation (80/100).
None of our checks flag anything unusual in Jefferson Capital's latest figures; its strongest area is valuation, at 80 out of 100.

StockQuotient Score

60/ 100

Oct 5 60 → Nov 4 60

Valuation

Is the price right?

80/100

Strong▲ 1 since Oct 27 close

3/3 inputs reported · High confidence

Since last quarter: ▼ Weaker

Share count up 3.6% (existing holders diluted)

Valuation also moves with the share price every day.

Why it changed since the Oct 27, 2026 close: Score 79 → 80

Peer companies moved+1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Stronger than most peers on:

▲ Earnings yield
▲ FCF yield
▲ EBITDA yield

Compare with peers

Behind the score

Sector-normalized EBITDA, earnings, and free cash flow yields.

Earnings yield13.4%

SEC filings · 12 months to Jun 2026Reported value30% base weight · Z-score 2.08Sector median: 0.0571 · MAD: 0.0371

EBITDA yield12.1%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score 1.21Sector median: 0.0689 · MAD: 0.0428

Free cash flow yield19.1%

Yahoo Finance fallback · SEC cash flow or share count unavailable · trailing 12 months · operating cash flow − capital spendingReported value20% base weight · Z-score 2.14Sector median: 0.0613 · MAD: 0.0605

Other data (not scored)

Book yield41.3%

SEC filings · latest balance sheetReported valueInformational · 0% composite weightSector median: 0.8352 · MAD: 0.4517

Growth

Is it growing?

54/100

Moderate▲ 1 since Oct 27 close

2/3 inputs reported · Partial data

Since last quarter: ▲ Stronger

12-month revenue up 3.9%

Why it changed since the Oct 27, 2026 close: Score 53 → 54

Peer companies moved+1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Mixed versus peers:

▲ Revenue growth
▼ EPS growth

Compare with peers

Behind the score

Revenue and earnings-per-share growth over one year, and revenue growth over three years.

Earnings per share growth-10.5%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score -0.74Sector median: 0.0999 · MAD: 0.2773

3-year revenue growthUnavailable

Missing · left out of the score · no sector data, so not countedNot counted · remaining weights rescaledSector median: 0.0999 · MAD: 0.0858

Revenue growth22.8%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score 1.04Sector median: 0.0742 · MAD: 0.1477

Profitability

Does it earn well?

79/100

Moderate

3/3 inputs reported · High confidence

Since last quarter: ▼ Weaker

Operating margin fell 2.6 points to 45.8%

Why

Stronger than most peers on:

▲ Operating margin
▲ ROA
▲ ROIC

Compare with peers

Behind the score

Return on invested capital, operating margin, and return on assets.

Operating margin45.8%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score 1.52Sector median: 0.2353 · MAD: 0.1462

Return on assets7.4%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score 2.10Sector median: 0.0256 · MAD: 0.0233

Return on invested capital12.8%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score 1.26Sector median: 0.0630 · MAD: 0.0518

Other data (not scored)

Gross margin75.2%

Yahoo Finance fallback · SEC figure unavailable or out of date · trailing 12 monthsReported valueInformational · 0% composite weightSector median: 0.7878 · MAD: 0.2122

Return on equity32.6%

SEC filings · 12 months to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0939 · MAD: 0.0702

Risk

Debt, liquidity, price swings

Higher

Higher relative risk

2/3 inputs reported · Partial data

Since last quarter: No major change

Why it changed since the Oct 27, 2026 close: Safety percentile 28 → 26

Peer companies moved-2

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Weaker than most peers on:

▼ Debt / equity

Compare with peers

Behind the score

Relative to sector peers: 0 = lower relative risk · 1 = moderate · 2 = higher. Based on leverage, beta and liquidity.

BetaUnavailable

Missing · left out of the score · no sector data, so not countedNot counted · remaining weights rescaledSector median: 0.7010 · MAD: 0.3115

Current ratio5.36×

Yahoo Finance fallback · SEC figure unavailable or out of dateReported value33% base weight · Z-score 2.67Sector median: 2.0250 · MAD: 1.2470

Debt / equity2.95×

SEC filings · latest balance sheetReported value33% base weight · Z-score -4.36Sector median: 0.5734 · MAD: 0.5454

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Jefferson Capital

Is Jefferson Capital getting weaker?: Its latest SEC filing (Aug 13, 2026) got weaker in some ways: operating margin fell 2.6 points to 45.8%; share count up 3.6%. Its overall score is unchanged at 60/100 since Oct 28, 2026.
How is Jefferson Capital valued vs its peers?: Priced lower than most peers relative to what it earns. Valuation scores 80/100 against 432 financial services peers. Earnings yield 13.4% vs a peer median of 5.7% (stronger than 82% of peers).Earnings yield 13.4% vs peers 5.7% (stronger than 82% of peers).
Is Jefferson Capital growing?: At about the same pace as its peers. Growth scores 54/100 against 432 financial services peers. Revenue growth 22.8% vs a peer median of 7.4% (stronger than 73% of peers).Revenue growth 22.8% vs peers 7.4% (stronger than 73% of peers). Earnings per share growth -10.5% vs a peer median of 10.0% (weaker than 69% of peers).Earnings per share growth -10.5% vs peers 10.0% (weaker than 69% of peers).
How profitable is Jefferson Capital?: More profitable than most of its peers. Profitability scores 79/100 against 432 financial services peers. Operating margin 45.8% vs a peer median of 23.5% (stronger than 84% of peers).Operating margin 45.8% vs peers 23.5% (stronger than 84% of peers).
How risky is Jefferson Capital?: Higher risk relative to 432 financial services peers, judged on debt, liquidity and share-price swings. Current ratio 5.36× vs a peer median of 2.02× (stronger than 75% of peers).Current ratio 5.36× vs peers 2.02× (stronger than 75% of peers). Debt / equity 2.95× vs a peer median of 0.57× (weaker than 82% of peers).Debt / equity 2.95× vs peers 0.57× (weaker than 82% of peers). A relative measure, not a bankruptcy probability.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Aug 13, 2026 · compared with the quarter ended Mar 31, 2026

Got weaker

Operating margin fell 2.6 points to 45.8%
Share count up 3.6% (existing holders diluted)

	Previous quarter	Latest quarter	Change
Revenue (12 months)	634.8M USD	659.6M USD	+3.9%
Net income (12 months)	161.4M USD	155.0M USD	−3.9%
Operating margin	48.4%	45.8%	−2.6 pts
Debt	1.4B USD	1.4B USD	−1.9%
Cash	26.2M USD	20.4M USD	−22.3%
Shares outstanding	55.4M	57.4M	+3.6%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Sector: Financial Services · 98 companies

Valuations in Financial Services are above their usual range since 2016.

67% of months since 2016 were valued lower than now.
32% of companies are in the most expensive fifth of their own price-to-sales history.
Over 24 months, company values +7% and earnings +21% (medians): prices and earnings moved broadly together.
Median price-to-sales is +30% vs the whole market, against a usual +47%.

2016Shaded: most expensive fifth of its range2026

Shown for Financial Services: too few Credit Services companies have a long enough history of their own.

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2023	FY 2024	FY 2025	Change
Operating margin	50.8%	50.8%	51.6%	▲ 0.8 pts
Net margin	34.5%	29.7%	30.6%	▲ 0.9 pts
Return on assets (ROA)	—	7.8%	9.0%	▲ 1.2 pts
Return on equity (ROE)	36.7%	33.7%	39.5%	▲ 5.8 pts
Debt to equity	—	3.12×	3.68×	▲ 18%
Interest coverage	3.41×	2.85×	2.99×	▲ 4.9%

JCAP price history

Price history is added with the daily price update and will appear after the next one.

Similar companies

Sector leaderboards

White Mountains Insurance Group, Ltd.WTM94/ 100

The Allstate CorporationALL93/ 100

PT Saratoga Investama Sedaya TbkSRTG.JK93/ 100

Bringing the fundamentals into focus…

Overall health

Strength: more profitable than most peersmore profitable than peers

Strength: its shares are priced lower than most peers relative to what it earnspriced lower than peers for its earnings

Drawback: higher risk than most peers: more debt relative to equity (2.95× vs a peer median of 0.57×)higher risk: more debt vs equity (2.95× vs peers 0.57×)

About average: growth

Ranks #59 of 232 financial services companies (top 26%)

See how it ranks against its peers

Questions investors ask about Jefferson Capital

Is Jefferson Capital getting weaker?

Its latest SEC filing (Aug 13, 2026) got weaker in some ways: operating margin fell 2.6 points to 45.8%; share count up 3.6%. Its overall score is unchanged at 60/100 since Oct 28, 2026.

How is Jefferson Capital valued vs its peers?

Priced lower than most peers relative to what it earns. Valuation scores 80/100 against 432 financial services peers. Earnings yield 13.4% vs a peer median of 5.7% (stronger than 82% of peers).Earnings yield 13.4% vs peers 5.7% (stronger than 82% of peers).

Is Jefferson Capital growing?

At about the same pace as its peers. Growth scores 54/100 against 432 financial services peers. Revenue growth 22.8% vs a peer median of 7.4% (stronger than 73% of peers).Revenue growth 22.8% vs peers 7.4% (stronger than 73% of peers). Earnings per share growth -10.5% vs a peer median of 10.0% (weaker than 69% of peers).Earnings per share growth -10.5% vs peers 10.0% (weaker than 69% of peers).

How profitable is Jefferson Capital?

More profitable than most of its peers. Profitability scores 79/100 against 432 financial services peers. Operating margin 45.8% vs a peer median of 23.5% (stronger than 84% of peers).Operating margin 45.8% vs peers 23.5% (stronger than 84% of peers).

How risky is Jefferson Capital?

Higher risk relative to 432 financial services peers, judged on debt, liquidity and share-price swings. Current ratio 5.36× vs a peer median of 2.02× (stronger than 75% of peers).Current ratio 5.36× vs peers 2.02× (stronger than 75% of peers). Debt / equity 2.95× vs a peer median of 0.57× (weaker than 82% of peers).Debt / equity 2.95× vs peers 0.57× (weaker than 82% of peers). A relative measure, not a bankruptcy probability.

Previous quarter

Latest quarter

Change

Revenue (12 months)

634.8M USD

659.6M USD

+3.9%

Net income (12 months)

161.4M USD

155.0M USD

−3.9%

Operating margin

48.4%

45.8%

−2.6 pts

Debt

1.4B USD

1.4B USD

−1.9%

Cash

26.2M USD

20.4M USD

−22.3%

Shares outstanding

55.4M

57.4M

+3.6%

Key ratios

FY 2023

FY 2024

FY 2025

Change

Operating margin

50.8%

51.6%

▲ 0.8 pts

Net margin

34.5%

29.7%

30.6%

▲ 0.9 pts

Return on assets (ROA)

—

7.8%

9.0%

▲ 1.2 pts

Return on equity (ROE)

36.7%

33.7%

39.5%

▲ 5.8 pts

Debt to equity

—

3.12×

3.68×

▲ 18%

Interest coverage

3.41×

2.85×

2.99×

▲ 4.9%