Jefferson Capital Financials
This page shows Jefferson Capital (JCAP) financial statements, including the 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
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of Jefferson Capital's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Jefferson Capital has an operating margin of 51.6%, meaning the company retains $52 of operating profit per $100 of revenue. This strong profitability earns a score of 100/100, reflecting efficient cost management and pricing power. This is up from 50.8% the prior year.
Jefferson Capital's revenue surged 41.5% year-over-year to $613.3M, reflecting rapid business expansion. This strong growth earns a score of 96/100.
Jefferson Capital has a moderate D/E ratio of 3.38. This balance of debt and equity financing earns a leverage score of 33/100.
Jefferson Capital earns a strong 39.5% return on equity (ROE), meaning it generates $39 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 94/100. This is up from 33.7% the prior year.
Jefferson Capital passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), 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 $3.2 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 against $0 in long-term debt as of fiscal year 2025.
Jefferson Capital paid $0.98 per share in dividends in fiscal year 2025.
Jefferson Capital had 58M shares outstanding in 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.
Capital Allocation
JCAP Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $176.4M+14.0% | $154.8M+2.6% | $150.8M-1.2% | $152.7M-1.4% | $154.9M | N/A | $110.6M+6.5% | $103.8M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | $80.2M+13.7% | $70.6M+0.7% | $70.0M-19.2% | $86.6M-2.9% | $89.3M | N/A | $59.4M+7.8% | $55.1M |
| Interest Expense | $28.9M+9.3% | $26.5M+6.1% | $24.9M+2.0% | $24.4M+3.2% | $23.7M | N/A | $18.7M+9.1% | $17.1M |
| Income Tax | $13.4M+110.2% | $6.4M-10.7% | $7.2M-49.8% | $14.3M+432.1% | $2.7M | N/A | $2.4M+24.1% | $1.9M |
| Net Income | $37.6M-0.2% | $37.7M-1.7% | $38.4M-19.5% | $47.7M-25.8% | $64.2M | N/A | $36.9M+14.6% | $32.2M |
| EPS (Diluted) | $0.61 | N/A | $0.59-96.5% | $16.76 | N/A | N/A | N/A | N/A |
JCAP Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.1B-0.2% | $2.1B+15.8% | $1.8B+2.0% | $1.8B | N/A | $1.7B | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $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+74.5% | $10.5M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | $15.1M+23.4% | $12.2M-29.2% | $17.3M-15.3% | $20.4M | N/A | $16.5M | N/A | N/A |
| Goodwill | $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+0.1% | $58.0M |
| Total Liabilities | $1.6B+1.9% | $1.6B+18.0% | $1.4B+0.6% | $1.4B | N/A | $1.3B | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $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+6.0% | $362.8M |
| Retained Earnings | $486.5M-6.9% | $522.6M+4.4% | $500.4M+4.8% | $477.6M | N/A | $398.1M | N/A | N/A |
JCAP Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $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 | N/A |
| Capital Expenditures | N/A | N/A | $106K | N/A | N/A | N/A | $123K | N/A |
| Free Cash Flow | N/A | N/A | $63.0M | N/A | N/A | N/A | $7.6M | N/A |
| Investing Cash Flow | -$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 | N/A |
| Financing Cash Flow | -$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 | N/A |
| Dividends Paid | $0-100.0% | $15.5M0.0% | $15.5M-5.5% | $16.4M+2.6% | $16.0M0.0% | $16.0M-20.0% | $20.0M | N/A |
| Share Buybacks | $58.9M | N/A | N/A | N/A | $0 | N/A | N/A | N/A |
JCAP Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | 45.5%-0.1pp | 45.6%-0.9pp | 46.4%-10.3pp | 56.7%-0.9pp | 57.6% | N/A | 53.7%+0.6pp | 53.1% |
| Net Margin | 21.3%-3.0pp | 24.4%-1.1pp | 25.4%-5.8pp | 31.2%-10.2pp | 41.4% | N/A | 33.3%+2.3pp | 31.0% |
| Return on Equity | 8.5%+0.6pp | 7.9%-0.8pp | 8.8%-2.8pp | 11.6%-3.2pp | 14.8% | N/A | 9.6%+0.7pp | 8.9% |
| Return on Assets | 1.8%0.0pp | 1.8%-0.3pp | 2.1%-0.6pp | 2.7% | N/A | N/A | N/A | N/A |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 3.71+0.3 | 3.38+0.3 | 3.12-0.2 | 3.30 | N/A | 3.32 | N/A | N/A |
| FCF Margin | N/A | N/A | 41.8% | N/A | N/A | N/A | 6.9% | N/A |
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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 9, indicating neutral financial health. 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 3.2x, 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.
How financially healthy is Jefferson Capital?
Jefferson Capital (JCAP) scores 54 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.