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Jefferson Capital, Inc. / DE

JCAP Nasdaq Short-Term Business Credit Institutions Financials FY2023–FY2025

Last close · Oct 23, 2026

$20.41

1.4%
Compare
Revenue Total sales reported in the income statement.
$613M
41.5% vs prior year
Operating margin Operating income as a share of revenue.
51.6%
0.8 pts
Net income Profit after all expenses, interest and tax.
$188M
45.8%
Free cash flow Cash from operations minus capital spending.
—
Return on capital After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
12.3%
Market cap Last close times the latest diluted share count, so it is approximate.
$1.1B
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
3.6x
On $5.64 EPS (TTM)

What Jefferson Capital, Inc. / DE does

No business description yet.

Legal name
Jefferson Capital, Inc. / DE
Fiscal year ends
December 31, 2025
Latest annual report
10-K · Mar 13, 2026
Accession · CIK
0001104659-26-027199
0002046042

Revenue and margins

Jefferson Capital, Inc. / DE had $613M of revenue in fiscal 2025, up 41.5% on the year before.

Revenue
Revenue
Margins, % of revenue
Gross Operating Net FCF
Margins, % of revenue
Gross Operating Net FCF

Net income and earnings per share

Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns on capital

After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.

Return on capital, equity and assets (annual)
Return on capital Return on equity Return on assets

Cash flow

Free cash flow was — in fiscal 2025, — of revenue. Cash from operations minus capital spending.

Free cash flow
Free cash flow
Cash from operations vs capital spending
Cash from operations Capital spending
Cash from operations vs capital spending
Cash from operations Capital spending

Dividends, buybacks and share count

Jefferson Capital, Inc. / DE returned $63.5M to shareholders in fiscal 2025. The diluted share count rose 0.0%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Balance sheet

Cash, debt and the ratios that show how comfortably Jefferson Capital, Inc. / DE can carry it.

Cash vs debt (incl. leases)
Cash Debt
Fiscal year endFY23FY24FY25
Cash and short-term investments $14.4M$35.5M$23.2M
Debt incl. finance leases ——$1.8B
Net debt / EBITDA ——5.4x
Debt / equity ——3.7x
Interest coverage 3.4x2.9x3.0x
Total assets —$1.7B$2.1B
Total liabilities —$1.3B$1.6B
Shareholders' equity $304M$383M$476M
Net debt (− = net cash) ——$1.7B

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

—

$0.0M

No open-market insider trades in the last 12 months.

Piotroski F-score

Nine pass/fail tests of profitability, funding and efficiency. 8–9 is strong, 0–2 weak.

TestFY23FY24FY25
Net income is positive ✓ ✓ ✓
Cash from operations is positive ✓ ✓ ✓
Return on assets rose — — ✓
Cash from operations exceeds net income ✓ ✓ ✓
Debt fell relative to assets — — —
Current ratio rose — — —
Share count didn't rise — — —
Gross margin rose — — —
Revenue rose relative to assets — — ✓
F-score — / 3— / 3— / 5
Accruals ratio —−2.4%−4.3%
Altman Z'' ———

3 years of figures

US$ millions unless stated. Hover a ratio's name for its definition.

Download CSV
Fiscal yearFY23FY24FY25
Income statement
Revenue $323M $433M $613M
Operating income $164M $220M $316M
Interest expense $48.1M $77.2M $106M
Pretax income $121M $138M $218M
Income tax $9.0M $8.7M $30.5M
Net income $112M $129M $188M
Net income to common $112M $129M $169M
Diluted EPS — — $5.64
Diluted shares — — 0.03B
Cash flow
Cash from operations $120M $168M $269M
Depreciation and amortization $2.4M $2.6M $5.3M
Stock-based compensation $1.0M $0.0M $17.2M
Acquisitions $5.6M $0.0M $0.0M
Dividends paid $30.6M $36.0M $63.5M
Dividends and buybacks $30.6M $36.0M $63.5M
Balance sheet
Cash and short-term investments $14.4M $35.5M $23.2M
Total debt — — $1.8B
Property and equipment, net — $2.3M $1.7M
Goodwill $57.2M $57.7M $58.0M
Intangible assets — — $6.5M
Total assets — $1.7B $2.1B
Total liabilities — $1.3B $1.6B
Shareholders' equity $304M $383M $476M
Margins
Operating margin 50.8% 50.8% 51.6%
EBITDA margin 51.5% 51.4% 52.5%
Net margin 34.5% 29.7% 30.6%
Returns
Return on capital — — 12.3%
Return on equity 36.7% 37.6% 43.8%
Return on assets — 7.8% 10.0%
Return on tangible equity 45.3% 39.7% 41.2%
Growth
Revenue growth — 34.1% 41.5%
Net income growth — 15.6% 45.8%
Financial health
Net debt / EBITDA — — 5.4x
Debt / equity — — 3.7x
Interest coverage 3.4x 2.9x 3.0x
Capital allocation
Stock comp / revenue 0.3% 0.0% 2.8%
Quality scores
Accruals ratio — −2.4% −4.3%

Source: SEC EDGAR XBRL filings (CIK 0002046042). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

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