Jefferson Capital, Inc. / DE
JCAP Nasdaq· Short-Term Business Credit Institutions
Last close · Oct 26, 2026
$20.14
KIRA · Stoqly’s AI analyst, in plain words
- Jefferson Capital, Inc. / DE had $613M of revenue in fiscal 2025, up 41.5% on the year before.
- Its operating margin was 51.6%, up 0.8 pts: of every 100 in sales, about 52 is left after running the business.
- Jefferson Capital, Inc. / DE made $188M of net profit in fiscal 2025.
- Jefferson Capital, Inc. / DE returned $63.5M to shareholders in fiscal 2025.
- Jefferson Capital, Inc. / DE owes $1.7B more than it holds in cash, about 5.4 years of operating profit.
Market cap
$1.1B
P/E
3.6x
Revenue
$613M
Net income
$188M
Free cash flow
—
Operating margin
51.6%
Jefferson Capital, Inc. / DE in 30 seconds · fiscal 2025
Are sales growing?
+41.5%
Yes. Sales grew 41.5% last year.
Does it make a profit?
30.6%
Yes. It keeps 30.6% of every sale as profit.
Is debt under control?
5.4x
Heavy. Repaying its debt would take 5.4 years of operating profit.
How is the share priced?
3.6x
One share costs 3.6 times its yearly profit per share.
What Jefferson Capital, Inc. / DE does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 13, 2026
- Legal name
- Jefferson Capital, Inc. / DE
- CIK
- 0002046042
Jefferson Capital, Inc. / DE · JCAP
Results and finances
The last 3 fiscal years. Amounts in USD.
| Fiscal year | FY23 | FY24 | FY25 |
|---|---|---|---|
| Sales and profit | |||
| Revenue | $323M | $433M | $613M |
| Revenue growth | — | 34.1% | 41.5% |
| Operating margin | 50.8% | 50.8% | 51.6% |
| Net income | $112M | $129M | $188M |
| Net margin | 34.5% | 29.7% | 30.6% |
| Diluted EPS | — | — | $5.64 |
| Cash | |||
| Cash from operations | $120M | $168M | $269M |
| Dividends paid | $30.6M | $36.0M | $63.5M |
| Debt and strength | |||
| Cash and short-term investments | $14.4M | $35.5M | $23.2M |
| Debt incl. finance leases | — | — | $1.8B |
| Shareholders' equity | $304M | $383M | $476M |
| Net debt / EBITDA | — | — | 5.4x |
| Interest coverage | 3.4x | 2.9x | 3.0x |
| Returns and quality | |||
| Return on capital | — | — | 12.3% |
| Return on equity | 36.7% | 37.6% | 43.8% |
| Return on tangible equity | 45.3% | 39.7% | 41.2% |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$225M
4 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Jefferson Capital, Inc. / DE · JCAP
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $20.14 a share, the company is worth $1.1B: 3.6 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0002046042). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.