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StockVS

NASDAQ · Credit Services · USD

Jefferson Capital, Inc. (JCAP) Stock Analysis

Jefferson Capital, Inc. (JCAP) is a Credit Services stock listed on NASDAQ and quoted in US Dollar.

Last Updated: October 21, 2026

JCAP

$20.74

−$0.01 (−0.05%)

Oct 21, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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JCAP Key Statistics

As of Oct 21, 2026
Trading
Open
$20.87
Previous Close
$20.75
Day's Range
20.49–20.87
52-Week Range
15.50–24.44
Volume
187.43K
Valuation
Market Cap
$1.19B
P/E Ratio
22.79
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
6.74
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
1.85
EPS (ttm)Profit attributable to each share over the last twelve months.
0.91
Financials (FY)
Revenue (FY)
$613.29M+41.53%
Net Income (FY)
$187.97M+45.83%
Profit marginThe share of revenue left as profit after all costs and taxes.
24.12%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
57.43M
1-Year Return
+18.13%
Dividend and dates
Dividend
$0.96+4.63%
Ex-Dividend Date
August 24, 2026
Earnings Date
November 16, 2026
Avg Volume
306.71K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 21, 2026, JCAP closed at $20.74, +18.13% over 1 year.

Jefferson Capital, Inc. (JCAP) has a market capitalization of $1.19B.

In fiscal 2025, JCAP reported revenue of $613.29M.

JCAP Stock Return by Calendar Year

Jefferson Capital, Inc. (JCAP) return since Jun 2025: what $10,000 became

1 year
$10,000 $11,813
+18.13%
Since Jun 2025
$10,000 $11,766
+17.66%

If you had invested $10,000 in Jefferson Capital, Inc. (JCAP) at the close on June 26, 2025, the earliest close on record here, it would have been worth $11,766 at the close on October 21, 2026: +17.66% in total, +13.11% a year, with dividends reinvested, over a partial period shorter than 10 years. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)−4.68%
2025 (partial year)+23.43%

As of October 21, 2026.

JCAP Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$613.29M$187.97M30.6%
2024$433.34M$128.89M29.7%
2023$323.07M$111.52M34.5%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$613.29M$449.14M$216.94M$187.97M30.6%
2024$433.34M$312.24M$147.27M$128.89M29.7%
2023$323.07M$139.65M$118.85M$111.52M34.5%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

JCAP Dividend History

$0.48

Dividends per share, 2025 · 2 payments

YearDividends per sharePaymentsChange
2026*$0.723—
2025$0.482—

Most recent payment: $0.24 per share, ex-dividend August 24, 2026. Per-share amounts summed by calendar year from ex-dividend dates. Partial years are shown muted and marked with an asterisk.

JCAP Valuation vs Credit Services Median

Median of 56 stocks
MetricJCAPCredit Services medianvs median
P/E22.7910.91109% above
P/S ratio1.851.5024% above
Profit margin24.12%9.89%14.2 pts above

Medians across 56 Credit Services stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Recent News

All 9 articles ↓

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

Jefferson Capital, Inc. (JCAP) carries a market capitalisation of $1.19B. It is classified in the Credit Services industry, within the Financial Services sector. The company reports 1,120 employees.

JCAP last closed at $20.74 on October 21, 2026. That is −$0.01 (−0.05%) against the previous close. Over the past 52 weeks the price has ranged from $15.50 to $24.44. The latest close sits 33.81% above that 52-week low.

Financial Health

Fiscal 2025 revenue came to $613.29M. Against the prior fiscal year total of $433.34M, that is a change of +41.53%. Net income for the same year was $187.97M. That is +45.83% against the prior fiscal year. Profit margin runs at 24.12%. That is 14.2 percentage points above the Credit Services median of 9.89%. Trailing earnings per share are 0.91.

Across the 3 fiscal years on file, revenue moves from $323.07M in 2023 to $613.29M in 2025. Of those 3 years, 3 report positive net income.

Valuation Assessment

The trailing P/E ratio stands at 22.79. That is 108.89% above the Credit Services median of 10.91. The forward P/E on file is 6.74. Measured against sales, the shares trade at 1.85 times revenue. On price-to-sales that is 23.68% above the Credit Services median of 1.5. 56 Credit Services companies report these metrics, and the medians quoted come from that group.

Daily returns over the trailing 1 year annualize to a volatility of 35.55%. Over the trailing twelve months the total return is +18.13%.

Growth & Income

Shareholders receive a dividend, yielding 4.63% on the latest price. That is 1.4 percentage points above the Credit Services median yield of 3.19%. The indicated annual rate is $0.96 a share. The ex-dividend date on file is August 24, 2026. Dividends are recorded for 2 calendar years; 2026 shows 3 payments totalling $0.72 a share. The year before, 2025, totalled $0.48 a share.

2026 is still running; the total return is −4.68% year to date.

Peer Comparison

Jefferson Capital, Inc. (JCAP) operates in the Credit Services industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
Jefferson Capital, Inc. JCAP $1.19B 22.8
Visa Inc. V $765.68B 34.7
Mastercard Incorporated MA $545.42B 34.3
American Express Company AXP $214.98B 19.3

The Credit Services industry average P/E ratio is 10.9x. Jefferson Capital, Inc. trades at a P/E of 22.8.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.

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About Jefferson Capital, Inc.

Jefferson Capital, Inc. provides debt recovery solutions and other related services in the United States, the United Kingdom, Canada, and Latin America. It primarily purchases portfolios of consumer receivables at discounts to face value and manage them by working with individuals as they repay obligations and work toward financial recovery. The company offers consumer receivables, including credit card, secured and unsecured automotive, utilities, telecom, and other receivables. It also provides debt servicing and other portfolio management services to credit originators for nonperforming loans. Jefferson Capital, Inc. was founded in 2002 and is headquartered in Minneapolis, Minnesota.

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