Jefferson Capital, Inc. (JCAP) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 15, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 13, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the JCAP SEC filings page.
Jefferson Capital, Inc. (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).
Profit and cash generation accelerated through FY2025, while a debt-heavy balance sheet financed a larger operating base.
Operating cash flow rose faster than net income from FY2024 to FY2025, lifting cash conversion from 1.3x to 1.4x; earnings were increasingly accompanied by collected cash rather than merely accounting accruals. At the same time, debt-to-equity remained above 3.3x, so expansion relied substantially on outside financing rather than retained earnings alone.
Operating margin held near 51% across FY2024 and FY2025, so the larger business did not dilute operating efficiency. Net margin improved from
By FY2025, liabilities of
Financial Health Signals
Jefferson Capital, Inc. 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, Inc. 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, Inc. 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, Inc. 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, Inc. generated $177.5M in revenue in Q2 2026. This represents an increase of 16.3% from the same quarter a year earlier. Against the prior quarter it is up 0.6%.
Jefferson Capital, Inc.'s EBITDA was $82.3M in Q2 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 6.4% from the same quarter a year earlier. Against the prior quarter it is up 1.5%.
Jefferson Capital, Inc. reported $41.3M in net income in Q2 2026. This represents a decrease of 13.3% from the same quarter a year earlier. Against the prior quarter it is up 9.7%.
Jefferson Capital, Inc. earned $0.67 per diluted share (EPS) in Q2 2026. Against the prior quarter it is up 9.8%.
Cash & Balance Sheet
Jefferson Capital, Inc. held $20.4M in cash as of Q2 2026; long-term debt is not reported for that period.
Jefferson Capital, Inc. paid $0.24 per share in dividends in Q2 2026. It is unchanged from the prior quarter.
Not reported for Q2 2026.
Margins & Returns
Jefferson Capital, Inc.'s operating margin was 45.9% in Q2 2026, reflecting core business profitability. This is down 10.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.4 percentage points.
Jefferson Capital, Inc.'s net profit margin was 23.3% in Q2 2026, showing the share of revenue converted to profit. This is down 7.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.9 percentage points.
Jefferson Capital, Inc.'s ROE was 8.7% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 2.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.
Not reported for Q2 2026.
Capital Allocation
Jefferson Capital, Inc. repurchased no shares in Q2 2026. Against the prior quarter it is down 100.0%.
Not reported for Q2 2026.
Not reported for Q2 2026.
JCAP Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $177.5M+16.3% | $176.4M+13.9% | $154.8M | $150.8M+36.4% | $152.7M+47.1% | $154.9M | N/A | $110.6M |
| Operating Income | $81.4M-6.0% | $80.2M-10.2% | $70.6M | $70.0M+17.9% | $86.6M+57.1% | $89.3M | N/A | $59.4M |
| EBITDA | $82.3M-6.4% | $81.1M-10.8% | $71.6M | $71.4M+19.0% | $87.9M+57.8% | $90.9M | N/A | $60.0M |
| Interest Expense | $28.7M+17.3% | $28.9M+22.1% | $26.5M | $24.9M+33.7% | $24.4M+42.9% | $23.7M | N/A | $18.7M |
| Income Tax | $12.0M-15.6% | $13.4M+401.0% | $6.4M | $7.2M+203.5% | $14.3M+650.7% | $2.7M | N/A | $2.4M |
| Net Income | $41.3M-13.3% | $37.6M-41.4% | $37.7M | $38.4M+4.0% | $47.7M+48.1% | $64.2M | N/A | $36.9M |
| EPS (Basic) | $0.67-96.4% | $0.61 | -$0.96 | $0.59 | $18.61 | N/A | N/A | N/A |
| EPS (Diluted) | $0.67 | $0.61 | -$0.96 | $0.59 | $16.76 | N/A | N/A | N/A |
| Diluted Shares (Avg) | 56M | 56M | N/A | 58M | 3M | 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. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.1B+17.9% | $2.1B | $2.1B+26.2% | $1.8B | $1.8B | N/A | $1.7B | N/A |
| Cash & Equivalents | $20.4M-60.5% | $26.2M-2.7% | $23.2M-34.6% | $42.3M+131.0% | $51.7M+392.6% | $27.0M | $35.5M | $18.3M |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Accounts Receivable | $16.9M-17.3% | $15.1M | $12.2M-25.9% | $17.3M | $20.4M | N/A | $16.5M | N/A |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $57.8M-0.5% | $57.9M+0.4% | $58.0M+0.6% | $57.9M-0.4% | $58.0M0.0% | $57.7M | $57.7M | $58.1M |
| Total Liabilities | $1.6B+18.5% | $1.6B | $1.6B+26.7% | $1.4B | $1.4B | N/A | $1.3B | N/A |
| Total Equity | $476.2M+15.9% | $442.9M+1.9% | $476.1M+24.5% | $437.4M+13.8% | $410.8M+13.2% | $434.6M | $382.5M | $384.5M |
| Retained Earnings | $513.1M+7.4% | $486.5M | $522.6M+31.3% | $500.4M | $477.6M | N/A | $398.1M | N/A |
Not reported in any period shown, so not listed: Current Assets, Inventory, Current Liabilities, Non-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. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $43.3M-45.2% | $39.6M-23.3% | $75.2M-2.8% | $63.1M+717.8% | $78.9M | $51.7M | $77.3M | $7.7M |
| Depreciation & Amortization | $844K-32.5% | $872K-45.8% | $1.0M+12.7% | $1.4M+146.4% | $1.3M+123.6% | $1.6M | $930K | $548K |
| Stock-Based Compensation | $8.3M+205.1% | $8.5M+2335.7% | N/A | $8.8M+300.0% | -$7.9M | $350K | N/A | $2.2M |
| Capital Expenditures | N/A | N/A | N/A | $106K-13.8% | N/A | N/A | N/A | $123K |
| Free Cash Flow | N/A | N/A | N/A | $63.0M+729.7% | N/A | N/A | N/A | $7.6M |
| Investing Cash Flow | -$2.0M+81.7% | -$4.0M+92.8% | -$280.5M+6.1% | -$54.6M+31.6% | -$10.7M | -$56.2M | -$298.5M | -$79.8M |
| Financing Cash Flow | -$58.8M-37.8% | -$36.0M-7676.9% | $208.7M-11.4% | -$15.9M-120.0% | -$42.6M | -$463K | $235.5M | $79.6M |
| Dividends Paid | $29.6M+80.2% | $0-100.0% | $15.5M-3.0% | $15.5M-22.4% | $16.4M | $16.0M | $16.0M | $20.0M |
| Share Buybacks | $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. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Margin | 45.9%-10.9pp | 45.5%-12.2pp | 45.6% | 46.4%-7.3pp | 56.7%+3.6pp | 57.6% | N/A | 53.7% |
| Net Margin | 23.3%-7.9pp | 21.3%-20.1pp | 24.4% | 25.4%-7.9pp | 31.2%+0.2pp | 41.4% | N/A | 33.3% |
| Return on Equity | 8.7%-2.9pp | 8.5%-6.3pp | 7.9% | 8.8%-0.8pp | 11.6%+2.7pp | 14.8% | N/A | 9.6% |
| Return on Assets | 2.0%-0.7pp | 1.8% | 1.8% | 2.1% | 2.7% | N/A | N/A | N/A |
| Debt-to-Equity | 3.38+0.1x | 3.71 | 3.38+0.1x | 3.12 | 3.30 | N/A | 3.32 | N/A |
| Asset Turnover | 0.090.0x | 0.08 | 0.07 | 0.08 | 0.09 | N/A | N/A | N/A |
| FCF Margin | N/A | N/A | N/A | 41.8%+34.9pp | N/A | N/A | N/A | 6.9% |
Not reported in any period shown, so not listed: Gross Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Jefferson Capital, Inc. JCAP | FY2025 | $613.3M | $188.0M | 30.6% | $1.2B | — |
| Navient Corporation NAVI | FY2025 | $610.0M | -$80.0M | -13.1% | $883.4M | 1/100 |
| Ezcorp Inc EZPW | FY2025 | $1.3B | $109.6M | 8.6% | $2.0B | 72/100 |
| Atlanticus Holdings Corporation ATLC | FY2025 | $1.7B | $120.6M | 7.2% | $1.4B | 15/100 |
| Encore Capital Group, Inc. ECPG | FY2025 | $1.8B | $257.0M | 14.5% | $2.2B | 38/100 |
| LexinFintech Holdings Ltd. LX | FY2025 | $1.9B | $239.8M | 12.8% | $114.1M | 43/100 |
Where Jefferson Capital, Inc. Ranks
Frequently Asked Questions
What is Jefferson Capital, Inc.'s annual revenue?
Jefferson Capital, Inc. (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, Inc.'s revenue growing?
Jefferson Capital, Inc. (JCAP) revenue grew by 41.5% year-over-year, from $433.3M to $613.3M in fiscal year 2025.
Is Jefferson Capital, Inc. profitable?
Yes, Jefferson Capital, Inc. (JCAP) reported a net income of $188.0M in fiscal year 2025, with a net profit margin of 30.6%.
What is Jefferson Capital, Inc.'s EBITDA?
Jefferson Capital, Inc. (JCAP) had EBITDA of $321.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
What is Jefferson Capital, Inc.'s operating margin?
Jefferson Capital, Inc. (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, Inc.'s net profit margin?
Jefferson Capital, Inc. (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, Inc. pay dividends?
Yes, Jefferson Capital, Inc. (JCAP) paid $0.98 per share in dividends during fiscal year 2025.
What is Jefferson Capital, Inc.'s return on equity (ROE)?
Jefferson Capital, Inc. (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, Inc.'s operating cash flow?
Jefferson Capital, Inc. (JCAP) generated $268.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Jefferson Capital, Inc.'s total assets?
Jefferson Capital, Inc. (JCAP) had $2.1B in total assets as of fiscal year 2025, including both current and long-term assets.
What is Jefferson Capital, Inc.'s debt-to-equity ratio?
Jefferson Capital, Inc. (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, Inc.'s return on assets (ROA)?
Jefferson Capital, Inc. (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, Inc.'s P/E ratio?
Jefferson Capital, Inc. (JCAP) trades at 7.5x earnings, its market capitalization divided by net income of $155.0M net income, trailing 12 months to June 30, 2026. The market capitalization is $1.2B as of Oct 15, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Jefferson Capital, Inc.'s price-to-sales ratio?
Jefferson Capital, Inc. (JCAP) trades at 1.8x sales, its market capitalization divided by revenue of $659.6M revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.2B as of Oct 15, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Jefferson Capital, Inc.'s Piotroski F-Score?
Jefferson Capital, Inc. (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, Inc.'s earnings high quality?
Jefferson Capital, Inc. (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, Inc. cover its interest payments?
Jefferson Capital, Inc. (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.