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Jefferson Capital, Inc. / DE

JCAP

$19.11 ▼ -0.79 (-3.97%) at close

11 Visible periods

30 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 $1.1B

Dividend Yield 1.26%

Revenue Growth 16.3% ↗

Op. Margin 45.9% →

ROIC 13.2% →

FCF / Share $0.78 ↗

Trailing P/E 28.5x

Price / Book 2.3x

FCF Yield 4.1%

Debt / Equity —

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

11-Year Financial Trajectory

Quarterly

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$177.54M

↑ +16.3% —

Net Income Profit after all expenses

$41.30M

↓ -13.3% —

Operating Margin Operating profit as % of sales

45.9%

↑ +0.9% 97th

FCF / Share Free cash flow per share

$0.78

↓ -97.5% —

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? 4 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Revenue Growth YoY (%)	16.3% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+171%)	13.9% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+131%)	30.1% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+402%)	36.4% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+506%)	47.1% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+685%)	—	—	—	—	—	—
EPS Growth YoY (%)	-96.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—	—	—	—	—
Net Income Growth YoY (%)	-13.3% Weak ↓ Weak Declining Year-over-year change in net income	-41.4% Weak ↓ Weak Declining Year-over-year change in net income	40.0% Excellent ↑ Excellent Improving Year-over-year change in net income	4.0% Caution Caution Year-over-year change in net income	48.1% Excellent Excellent Year-over-year change in net income	—	—	—	—	—	—
FCF Growth YoY (%)	-97.5% Weak Weak Year-over-year change in free cash flow	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Operating Margin (%) (%)	45.9% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+83%)	45.4% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+82%)	45.6% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+82%)	46.4% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+86%)	56.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+127%)	57.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+130%)	45.2% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+81%)	53.7% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+115%)	53.1% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+113%)	—	—
Effective Tax Rate (%) (%)	22.6% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.3% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.5% Excellent → Excellent Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.7% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.0% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	4.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	8.4% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	6.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	5.6% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—
Profit Margin (%) (%)	23.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	21.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	24.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+11%)	25.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+16%)	31.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	41.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+88%)	22.7% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	33.3% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+52%)	31.0% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	—	—
FCF Margin (%) (%)	24.4% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	22.5% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	48.6% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	41.7% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	51.7% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	33.4% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	65.0% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	6.9% Caution Caution Free cash flow as a percentage of revenue Optimal: > 10%	—	—	—
FCF / Net Income (x)	1.05x Fair ↓ Fair Declining Free cash flow relative to reported net income Optimal: > 1x	1.05x Fair ↓ Fair Declining Free cash flow relative to reported net income Optimal: > 1x	1.99x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.64x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	1.66x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	0.80x Caution ↓ Caution Declining Free cash flow relative to reported net income Optimal: > 1x	2.87x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	0.21x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—	—

🎯 Is capital allocation efficient? 3 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Return on Invested Capital (%)	13.2% Good ↑ Good Improving Return earned on debt + equity capital invested Optimal: > 10%	13.3% Good ↑ Good Improving Return earned on debt + equity capital invested Optimal: > 10%	2.7% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	13.5% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	16.2% Excellent → Excellent Stable Return earned on debt + equity capital invested Optimal: > 10%	19.7% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	12.9% Good ↓ Good Declining Return earned on debt + equity capital invested Optimal: > 10%	14.5% Good Good Return earned on debt + equity capital invested Optimal: > 10%	14.4% Good Good Return earned on debt + equity capital invested Optimal: > 10%	—	—
Return on Capital (%) (%)	3.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	3.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	3.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	3.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	3.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—
Return on Common Equity (%) (%)	8.7% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-28%)	8.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	7.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	8.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	11.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	14.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+23%)	7.0% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-41%)	9.6% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	8.9% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 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)	2.84x Caution → Caution Stable Operating income divided by interest expense Optimal: > 5x	2.77x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	2.67x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	2.81x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	3.54x Fair ↑ Fair Improving Operating income divided by interest expense Optimal: > 5x	3.77x Fair ↑ Fair Improving Operating income divided by interest expense Optimal: > 5x	2.57x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	3.18x Fair Fair Operating income divided by interest expense Optimal: > 5x	3.22x Fair Fair Operating income divided by interest expense Optimal: > 5x	—	—
Net Debt (USD)	$-20.41M	$-26.25M	$1.73B	$-42.27M	$-51.65M	$-26.99M	$-35.51M	$-18.30M	$-10.48M	—	$-14.37M
Debt / EBITDA (x)	—	—	24.49x Weak Weak Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—	—	—	—	—	—

📊 What does each share earn? 8 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Revenue per Share (USD)	$3.20	$3.17	—	$2.59	$59.63	—	—	—	—	—	—
Basic EPS, GAAP (USD)	$0.67	$0.61	$-0.96	$0.59	$18.61	—	—	—	—	—	—
Free Cash Flow per Share (USD)	$0.78	$0.71	—	$1.08	$30.80	—	—	—	—	—	—
Dividend per Share (USD)	$0.24	$0.24	$0.24	$0.24	$0.24	—	—	—	—	—	—
Book Value per Share (USD)	$8.29	$8.00	$8.17	$7.50	$160.41	—	—	—	—	—	—
Tangible Book Value per Share (USD)	$7.29	$6.95	$7.17	$6.51	$137.75	—	—	—	—	—	—
Basic Weighted Avg Shares (shares)	55.52M	55.59M	—	58.28M	2.56M	—	—	—	—	—	—
Dividend Payout Ratio (%)	35.8% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	39.3% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	-25.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	40.7% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	1.3% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
LT Debt (USD)	—	—	$1.75B	—	—	—	—	—	—	—	—
Total Equity (USD)	$476.19M	$442.88M	$476.13M	$437.37M	$410.81M	$434.64M	$382.53M	$384.48M	$362.75M	$333.72M	$303.59M

📋 What is driving earnings? 4 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗
Sales/Revenue/Turnover (USD)	$177.54M	$176.44M	$154.80M	$150.84M	$152.71M	$154.94M	$118.98M	$110.60M	$103.80M	—	—
Depreciation Expense (USD)	$844.00K	$872.00K	$1.05M	$1.35M	$1.25M	$1.61M	$930.00K	$548.00K	—	—	—
Net Income, GAAP (USD)	$41.30M	$37.63M	$37.73M	$38.36M	$47.65M	$64.23M	$26.95M	$36.88M	$32.17M	—	—
Operating Cash Flow (USD)	$43.25M	$39.64M	$75.17M	$63.08M	$78.89M	$51.68M	$77.35M	$7.71M	—	—	—

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Synced yesterday 3 years · 11 quarters

Jefferson Capital, Inc. / DE

Analytical Summary

11-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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