NASDAQ: JCAPJefferson Capital Inc Stock
$18.19-0.36 (-1.94%)
Updated Jul 7, 2026
JCAP Price
$18.19
Fair Value Price
N/A
Market Cap
$1.01B
52 Week Low
$15.51
52 Week High
$23.80
P/E
0.96x
P/B
2.28x
P/S
1.68x
PEG
N/A
Dividend Yield
5.28%
Revenue
$634.79M
Earnings
$161.38M
Gross Margin
100%
Operating Margin
49.47%
Profit Margin
25.4%
Debt to Equity
3.71
Operating Cash Flow
$257M
Beta
0.95
Next Earnings
Aug 13, 2026
Ex-Dividend
N/A
Next Dividend
N/A
JCAP Overview
Jefferson Capital, Inc. is a company that specializes in financial recovery and debt resolution services, operating across the United States, the United Kingdom, Canada, and Latin America. Its primary business involves acquiring large bundles of consumer debt that have previously been written off by original lenders. These portfolios of defaulted accounts are purchased at significantly reduced prices compared to their original value. The company then works directly with individuals to help them settle their obligations and progress towards financial rehabilitation. The types of consumer debt Jefferson Capital manages include, but are not limited to, credit card balances, both secured and unsecured automotive loans, and outstanding bills from telecommunications and utility providers. Additionally, the company extends its expertise to credit originators, offering loan administration and other portfolio management services specifically for their non-performing loans. Established in 2002, Jefferson Capital, Inc. is headquartered in Sartell, Minnesota.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine JCAP's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +5.11% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Credit Service
Industry Rating
C
JCAP
Ranked#21 of 47
Ranked#21 of 47
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $97.38 | A | |
| $41.88 | B | |
| $18.03 | B |
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JCAP News
Overview
Due Diligence Score
–
Industry Average (33)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how JCAP scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
JCAP is forecast by analysts to be unprofitable, so we are unable to calculate its intrinsic value according to an updated version of Benjamin Graham's Formula from "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
JCAP is good value based on its earnings relative to its share price (0.96x), compared to the US market average (8.58x)
P/E vs Market Valuation
JCAP is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 35 more JCAP due diligence checks available for Premium users.
Valuation
JCAP price to earnings (PE)
For valuing profitable companies with steady earnings
Company
0.96x
Industry
29.05x
Market
8.58x
JCAP is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
JCAP is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
JCAP price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
2.28x
Industry
4.94x
JCAP is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
JCAP's financial health
Profit margin
Revenue
$176.4M
Net Income
$37.6M
Profit Margin
21.3%
JCAP's Earnings (EBIT) of $314.06M... subscribe to Premium to read more.
Interest Coverage Financials
JCAP's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$2.1B
Liabilities
$1.6B
Debt to equity
3.71
JCAP's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$39.6M
Investing
-$4.0M
Financing
-$36.0M
JCAP's operating cash flow ($256.77M)... subscribe to Premium to read more.
Debt Coverage Financials
JCAP vs Credit Service Stocks
Jefferson Capital Stock FAQ
Company
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