Jefferson Capital Financials
Jefferson Capital (JCAP) reported $659.6M in revenue over the twelve months to Jun 30, 2026. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 3 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Jefferson Capital’s very high operating margins run on a leveraged, continuously reinvested balance sheet rather than cash accumulation.
By FY2025, operating cash flow of$268.8M exceeded net income of$188.0M , yet cash fell from FY2024 as the company redeployed inflows into asset growth and dividends. The non-obvious point is that this business converts earnings into cash and then quickly recycles that cash, so a lean cash balance is a structural feature of the model, not proof of weak generation.
From FY2023 to FY2025, revenue expanded sharply while operating margin stability held near
The balance sheet stayed heavily financed by liabilities, with debt to equity around 3.3x and interest expense reaching
Financial Health Signals
Jefferson Capital does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.
Jefferson Capital passes 5 of 5 computable financial strength tests (4 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), both operating efficiency signals pass.
For every $1 of reported earnings, Jefferson Capital generates $1.43 in operating cash flow ($268.8M OCF vs $188.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Jefferson Capital earns $3.18 in operating income for every $1 of interest expense ($316.5M vs $99.6M). This adequate coverage means the company can meet its interest obligations, but has limited cushion if earnings fall.
Key Financial Metrics
Earnings & Revenue
Jefferson Capital generated $613.3M in revenue in fiscal year 2025. This represents an increase of 41.5% from the prior year.
Jefferson Capital's EBITDA was $321.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 44.4% from the prior year.
Jefferson Capital reported $188.0M in net income in fiscal year 2025. This represents an increase of 45.8% from the prior year.
Cash & Balance Sheet
Jefferson Capital held $23.2M in cash as of fiscal year 2025; long-term debt is not reported for that period.
Jefferson Capital paid $0.98 per share in dividends in fiscal year 2025.
Not reported for fiscal year 2025.
Margins & Returns
Jefferson Capital's operating margin was 51.6% in fiscal year 2025, reflecting core business profitability. This is up 0.8 percentage points from the prior year.
Jefferson Capital's net profit margin was 30.6% in fiscal year 2025, showing the share of revenue converted to profit. This is up 0.9 percentage points from the prior year.
Jefferson Capital's ROE was 39.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 5.8 percentage points from the prior year.
Not reported for fiscal year 2025.
Capital Allocation
None of these metrics is reported for fiscal year 2025.
JCAP Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $177.5M+0.6% | $176.4M+14.0% | $154.8M+2.6% | $150.8M-1.2% | $152.7M-1.4% | $154.9M | N/A | $110.6M |
| Operating Income | $81.4M+1.6% | $80.2M+13.7% | $70.6M+0.7% | $70.0M-19.2% | $86.6M-2.9% | $89.3M | N/A | $59.4M |
| Interest Expense | $28.7M-0.9% | $28.9M+9.3% | $26.5M+6.1% | $24.9M+2.0% | $24.4M+3.2% | $23.7M | N/A | $18.7M |
| Income Tax | $12.0M-10.3% | $13.4M+110.2% | $6.4M-10.7% | $7.2M-49.8% | $14.3M+432.1% | $2.7M | N/A | $2.4M |
| Net Income | $41.3M+9.7% | $37.6M-0.2% | $37.7M-1.7% | $38.4M-19.5% | $47.7M-25.8% | $64.2M | N/A | $36.9M |
| EPS (Diluted) | $0.67+9.8% | $0.61+163.5% | -$0.96-262.7% | $0.59 | $16.76 | N/A | N/A | N/A |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses.
JCAP Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.1B0.0% | $2.1B-0.2% | $2.1B+15.8% | $1.8B+2.0% | $1.8B | N/A | $1.7B | N/A |
| Cash & Equivalents | $20.4M-22.3% | $26.2M+13.0% | $23.2M-45.0% | $42.3M-18.2% | $51.7M+91.4% | $27.0M-24.0% | $35.5M+94.1% | $18.3M |
| Accounts Receivable | $16.9M+11.9% | $15.1M+23.4% | $12.2M-29.2% | $17.3M-15.3% | $20.4M | N/A | $16.5M | N/A |
| Goodwill | $57.8M-0.3% | $57.9M-0.2% | $58.0M+0.2% | $57.9M-0.2% | $58.0M+0.6% | $57.7M0.0% | $57.7M-0.7% | $58.1M |
| Total Liabilities | $1.6B-2.0% | $1.6B+1.9% | $1.6B+18.0% | $1.4B+0.6% | $1.4B | N/A | $1.3B | N/A |
| Total Equity | $476.2M+7.5% | $442.9M-7.0% | $476.1M+8.9% | $437.4M+6.5% | $410.8M-5.5% | $434.6M+13.6% | $382.5M-0.5% | $384.5M |
| Retained Earnings | $513.1M+5.4% | $486.5M-6.9% | $522.6M+4.4% | $500.4M+4.8% | $477.6M | N/A | $398.1M | N/A |
Not reported in any period shown, so not listed: Current Assets, Inventory, Current Liabilities, Long-Term Debt.
JCAP Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $43.3M+9.1% | $39.6M-47.3% | $75.2M+19.2% | $63.1M-20.0% | $78.9M+52.6% | $51.7M-33.2% | $77.3M+902.9% | $7.7M |
| Capital Expenditures | N/A | N/A | N/A | $106K | N/A | N/A | N/A | $123K |
| Free Cash Flow | N/A | N/A | N/A | $63.0M | N/A | N/A | N/A | $7.6M |
| Investing Cash Flow | -$2.0M+51.4% | -$4.0M+98.6% | -$280.5M-414.1% | -$54.6M-409.7% | -$10.7M+81.0% | -$56.2M+81.2% | -$298.5M-274.1% | -$79.8M |
| Financing Cash Flow | -$58.8M-63.2% | -$36.0M-117.3% | $208.7M+1410.6% | -$15.9M+62.7% | -$42.6M-9110.8% | -$463K-100.2% | $235.5M+195.8% | $79.6M |
| Dividends Paid | $29.6M | $0-100.0% | $15.5M0.0% | $15.5M-5.5% | $16.4M+2.6% | $16.0M0.0% | $16.0M-20.0% | $20.0M |
| Share Buybacks | $0-100.0% | $58.9M | N/A | N/A | $0 | $0 | N/A | N/A |
JCAP Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Margin | 45.9%+0.4pp | 45.5%-0.1pp | 45.6%-0.9pp | 46.4%-10.3pp | 56.7%-0.9pp | 57.6% | N/A | 53.7% |
| Net Margin | 23.3%+1.9pp | 21.3%-3.0pp | 24.4%-1.1pp | 25.4%-5.8pp | 31.2%-10.2pp | 41.4% | N/A | 33.3% |
| Return on Equity | 8.7%+0.2pp | 8.5%+0.6pp | 7.9%-0.8pp | 8.8%-2.8pp | 11.6%-3.2pp | 14.8% | N/A | 9.6% |
| Return on Assets | 2.0%+0.2pp | 1.8%0.0pp | 1.8%-0.3pp | 2.1%-0.6pp | 2.7% | N/A | N/A | N/A |
| Debt-to-Equity | 3.38-0.3x | 3.71+0.3x | 3.38+0.3x | 3.12-0.2x | 3.30 | N/A | 3.32 | N/A |
| FCF Margin | N/A | N/A | N/A | 41.8% | N/A | N/A | N/A | 6.9% |
Not reported in any period shown, so not listed: Gross Margin, Current Ratio.
Similar Companies
Where Jefferson Capital Ranks
Frequently Asked Questions
What is Jefferson Capital's annual revenue?
Jefferson Capital (JCAP) reported $613.3M in total revenue for fiscal year 2025. This represents a 41.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Jefferson Capital's revenue growing?
Jefferson Capital (JCAP) revenue grew by 41.5% year-over-year, from $433.3M to $613.3M in fiscal year 2025.
Is Jefferson Capital profitable?
Yes, Jefferson Capital (JCAP) reported a net income of $188.0M in fiscal year 2025, with a net profit margin of 30.6%.
What is Jefferson Capital's EBITDA?
Jefferson Capital (JCAP) had EBITDA of $321.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
What is Jefferson Capital's operating margin?
Jefferson Capital (JCAP) had an operating margin of 51.6% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Jefferson Capital's net profit margin?
Jefferson Capital (JCAP) had a net profit margin of 30.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Jefferson Capital pay dividends?
Yes, Jefferson Capital (JCAP) paid $0.98 per share in dividends during fiscal year 2025.
What is Jefferson Capital's return on equity (ROE)?
Jefferson Capital (JCAP) has a return on equity of 39.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Jefferson Capital's operating cash flow?
Jefferson Capital (JCAP) generated $268.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Jefferson Capital's total assets?
Jefferson Capital (JCAP) had $2.1B in total assets as of fiscal year 2025, including both current and long-term assets.
What is Jefferson Capital's debt-to-equity ratio?
Jefferson Capital (JCAP) had a debt-to-equity ratio of 3.38 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Jefferson Capital's return on assets (ROA)?
Jefferson Capital (JCAP) had a return on assets of 9.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Jefferson Capital's Piotroski F-Score?
Jefferson Capital (JCAP) has a Piotroski F-Score of 5 out of 5 computable signals; 4 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Jefferson Capital's earnings high quality?
Jefferson Capital (JCAP) has an earnings quality ratio of 1.43x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can Jefferson Capital cover its interest payments?
Jefferson Capital (JCAP) has an interest coverage ratio of 3.18x, meaning it can adequately cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.