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Jefferson Capital, Inc. / DE

JCAP

$19.11 ▼ -0.79 (-3.97%) at close

3 Visible periods

28 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Moderately Bullish

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Analytical Summary

Jefferson Capital, Inc. / DE shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). Overall, the data suggests a moderately positive outlook with manageable risks.

Market Cap $573.6M

Dividend Yield 5.13%

Revenue Growth 41.5% ↗

Op. Margin 51.6% →

ROIC 12.2% ↘

FCF / Share $8.96

Trailing P/E 3.4x

Price / Book 2.3x

FCF Yield 46.9%

Debt / Equity 3.68

info Valuation on last close. End-of-day price, Sep 23, 2026.

3-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$613.29M

↑ +41.5% —

Net Income Profit after all expenses

$187.97M

↑ +45.8% —

Operating Margin Operating profit as % of sales

51.6%

↑ +1.5% 97th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

Debt to EquityDebt to Equity is concerning (bottom quartile)

Health Breakdown

Profitability →

Returns ↑

Financial Health ↓

Cash Quality ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.98 Latest / share

FY 2023

FY 2024

$0.98

FY 2025

Financial view

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📈 Is growth accelerating? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗
Revenue Growth YoY (%)	41.5% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+592%)	34.1% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+469%)	—
Net Income Growth YoY (%)	45.8% Excellent Excellent Year-over-year change in net income	15.6% Good Good Year-over-year change in net income	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗
Operating Margin (%) (%)	51.6% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+106%)	50.8% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+103%)	50.8% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+103%)
Effective Tax Rate (%) (%)	13.9% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	6.3% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	7.5% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%
Profit Margin (%) (%)	30.6% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+39%)	29.7% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	34.5% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+57%)
FCF Margin (%) (%)	43.8% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	38.8% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	37.2% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%
FCF / Net Income (x)	1.43x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	1.31x Good Good Free cash flow relative to reported net income Optimal: > 1x	1.08x Fair Fair Free cash flow relative to reported net income Optimal: > 1x

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗
Return on Invested Capital (%)	12.2% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	54.0% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	50.0% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%
Return on Capital (%) (%)	15.2% Excellent Excellent Operating profit relative to total assets Optimal: > 10%	13.3% Good Good Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	39.5% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+229%)	33.7% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+181%)	36.7% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+206%)

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗
Debt to Equity (x)	3.68x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+207%)	—	—
Interest Coverage (x)	3.18x Fair → Fair Stable Operating income divided by interest expense Optimal: > 5x	3.02x Fair Fair Operating income divided by interest expense Optimal: > 5x	3.63x Fair Fair Operating income divided by interest expense Optimal: > 5x
Net Debt (USD)	$1.73B	$-35.51M	$-14.37M
Debt / EBITDA (x)	5.45x Weak Weak Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗
Revenue per Share (USD)	$20.43	—	—
Basic EPS, GAAP (USD)	$5.64	—	—
Free Cash Flow per Share (USD)	$8.96	—	—
Dividend per Share (USD)	$0.98	—	—
Book Value per Share (USD)	$8.17	—	—
Tangible Book Value per Share (USD)	$7.17	—	—
Basic Weighted Avg Shares (shares)	30.02M	—	—
Dividend Payout Ratio (%)	17.4% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗
LT Debt (USD)	$1.75B	—	—
Total Equity (USD)	$476.13M	$382.53M	$303.59M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗
Sales/Revenue/Turnover (USD)	$613.29M	$433.34M	$323.07M
Depreciation Expense (USD)	$5.25M	$2.61M	$2.37M
Net Income, GAAP (USD)	$187.97M	$128.89M	$111.52M
Operating Cash Flow (USD)	$268.81M	$168.21M	$120.22M

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bar_chart Data from SEC EDGAR XBRL filings

Synced yesterday 3 years · 11 quarters

Jefferson Capital, Inc. / DE

Analytical Summary

3-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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