JEFFERSON CAPITAL INC (JCAP)
Financials · Diversified Financial Services · NASDAQ
Jefferson Capital is a diversified financial services firm focused on capital management and asset-based financial solutions.
What JEFFERSON CAPITAL INC does
Jefferson Capital, Inc. operates as a financial services company providing a range of capital, asset management, and financial solutions. The company manages consolidated financial operations through its various subsidiaries, focusing on asset quality, liquidity, and strategic capital deployment.
Themes: financial services, capital markets, asset management
Fundamentals
- Price$19.95 as of 2026-10-08 close
- Market cap$1.1B as of 2026-08-13 (share count; price 2026-10-08)
- 1-year return+11.0% 2025-10-08 close $17.97 → 2026-10-08 close $19.95
- P/E7.02 as of 2026-10-08
- Net margin+30.6% FY2025, SEC XBRL
- ROE+39.5% FY2025, SEC XBRL
- Debt / equity3.24 as of 2026-09-02
- Revenue growth (YoY)+41.5% FY2025 vs FY2024, SEC XBRL
- Revenue CAGR (3y)+37.8% SEC XBRL
- Beta1.04 as of 2026-09-02
- Last reported earnings2026-08-13 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +4.7%; at least 1 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How JCAP compares in its sector
- price-to-earnings ratiobottom 10% 513 covered Financials peers, as of 2026-10-08
- net profit marginmiddle range 344 covered Financials peers, as of 2026-09-02
- operating margintop 10% 122 covered Financials peers, as of 2026-09-02
- return on equitytop 10% 559 covered Financials peers, as of 2026-09-02
- 3-year revenue CAGRtop 10% 347 covered Financials peers
- indicated dividend yieldtop 25% 468 covered Financials peers, as of 2026-09-02
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, JCAP's dividend was covered by reported results (earnings payout 34%, operating-cash-flow payout 24%). This describes past coverage, not a forecast.
- Earnings payout34% dividends / net income
- Operating-cash-flow payout24% dividends / operating cash flow — capital spending was not reported, so this does not subtract it
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How JEFFERSON CAPITAL INC looks technically
JEFFERSON CAPITAL INC (JCAP) is trading 2.4% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed above its 200-day average about 23 trading days ago — a "golden cross", a bullish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 21 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 47, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 2 trading days ago (its momentum flipped positive). It made a new 20-day low about 12 trading days ago. It is 18.4% below its highest point of the past year.
Trend
8
| Distance from the 200-day | it is trading 2.4% below its 200-day average, the long-term trend line — a long-term downtrend | -2.4% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $20.88 | $20.88 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $20.43 | $20.43 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing low 7 calendar days ago — the swings before that are what the structure reading is measured on | 7 sessions |
| Wave structure | its recent swings can be read as a completed three-part downward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes below 18.76. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a five-part sequence in leg 4. | possible three-wave downward correction, complete (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 23 trading days ago — a "golden cross", a bullish long-term signal | 23 sessions |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 21 (a reading of 25+ marks a strong trend) | 21.3 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 47, neither overbought (above 70) nor oversold (below 30) | 47.4 |
|---|---|---|
| Position in its 14-day range | it is trading in the upper half of its 14-day range ($18.76 to $20.75) — its "stochastic" reading is 60 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 60.0 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 2 trading days ago (its momentum flipped positive) | 2 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $24.44 | $24.44 |
|---|---|---|
| From the 52-week high | it is 18.4% below its 52-week high (its highest price of the past year) | -18.4% |
| Above the 52-week low | it is 27.6% above its 52-week low (its lowest price of the past year) | +27.6% |
| Below the 52-week high | it is 18.4% below its highest point of the past year | 18.4% |
| Since a 20-day breakout | it made a new 20-day low about 12 trading days ago | 12 sessions |
| Since a 55-day breakout | it made a new 55-day high about 39 trading days ago | 39 sessions |
| All-time high | its highest closing price on record is $24.89 (set on 2017-06-20) | $24.89 |
| Given back of the 52-week move | over the past year its closes ranged ($16.03 to $24.00), and it has given back around half of its rise from last year’s low — 51% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $18.82 to $19.07. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 50.8% |
| From the all-time high | it is 19.8% below its all-time high | -19.9% |
| Nearest price level | it is sitting right on a resistance level at $19.99 — a price it turned at six times since 2025-10-28, most recently on 2026-07-16. Since 2025-06-26 it has 3 such levels below the current price and 5 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +0.2% |
| All-time low | its lowest closing price on record is $8.83 (set on 2020-03-24) | $8.83 |
| Above the all-time low | it is 125.9% above its all-time low | +125.9% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 41st percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.5909 between its high and its low — about 3.0% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.5909 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $18.48 and $21.42 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $18.48 – $19.95 – $21.42 |
| Typical daily range (% of price) | its price moves about 3.0% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 3.0% |
| Stretch from the 200-day average | it is trading 0.8 daily ranges below its 200-day average price (2.4% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 0.8 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.09× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
3
| Since a doji | 8 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 8 sessions ago |
|---|---|---|
| Since a hammer | 9 sessions ago, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close | 9 sessions ago |
| Since a bullish engulfing | 3 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 3 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-10-08 0.9% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.8% |
|---|---|---|
| Gap filled | a 6.7% gap up opened on 2026-08-14 has been "filled" 30 sessions ago — price traded back through the level the gap left behind, and it took 8 sessions to close | 30 sessions ago |
Price streaks
1
| Closing streak | it closed lower in its latest session, after a session that did not close lower — a single down day rather than a run | 1 session down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 9.0 percentage points (the stock lost 7.9% while the market gained 1.0%) | -9.0% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 7.9 percentage points (the stock gained 11.8% while the market gained 3.8%) | +7.9% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 15.1 percentage points (the stock gained 2.4% while the market gained 17.5%) | -15.1% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 4.0 percentage points (the stock gained 11.0% while the market gained 15.0%) | -4.0% |
Signal agreement
2
| Bullish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, MACD momentum is positive — these describe past price behaviour, not a forecast | 2 of 9 |
|---|---|---|
| Bearish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bearish state: trading below its 200-day average, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 3 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 2.5% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is moderate, spanning 7.8% of the share price. | -2.5% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 3% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $20.47 — a volume-weighted average of daily closes over 183 sessions, not a true tick-by-tick VWAP. | -2.5% |
|---|---|---|
| Vs the average paid since it last reported | the price is 7% below the average price paid since it last reported on 2026-08-13 (its 10-Q), so the typical buyer over that stretch is under water. That average is $21.34 — a volume-weighted average of daily closes over 40 sessions, not a true tick-by-tick VWAP. | -6.5% |
Price levels it has turned at before
JCAP last closed at $19.95 on 2026-10-08. Since 2025-06-26 it has turned at 3 prices below its last close and 5 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $19.99 | Resistance | 0.2% above the last close | turned there six times · 2025-10-28 to 2026-07-16 |
| $20.46 | Resistance | 2.5% above the last close | turned there three times · 2025-08-26 to 2026-09-01 |
| $21.10 | Resistance | 5.8% above the last close | turned there twice · 2026-05-01 to 2026-07-28 |
| $18.68 | Support | 6.4% below the last close | turned there three times · 2026-03-13 to 2026-10-01 |
| $17.91 | Support | 10.2% below the last close | turned there twice · 2025-08-04 to 2025-10-31 |
| $17.47 | Support | 12.4% below the last close | turned there four times · 2025-07-21 to 2026-07-09 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part downward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes below $18.76.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
Alternate reading: The same swings also read as a five-part sequence in leg 4, which fails on a close above $20.51.
This reading has stood for 1 trading day, since 2026-10-08.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading below the 200-day moving average · Recent golden cross (50-day crossed above 200-day) · MACD just crossed bullish (12/26/9) · lagging the market · Under water since its last earnings report (below the anchored VWAP) · Trading below the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · macd · breakout · fifty two week high low
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Mean price target$28.20 range $24.00 – $30.00; median $29.00
Analyst estimates, as of 2026-10-03. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for JCAP
- Consensus EPS estimate$0.73 next reporting period, as of 2026-10-03
- Estimate change, 30 days$0.00 (0.0%) from $0.73, on 2026-08-29, 35-day window
- Readings revised upward0% of 6 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Deterioration in general business and economic conditions or financial market volatility","Increased competition from both traditional banks and non-bank financial institutions","Failures or disruptions in operational, technology, or cybersecurity infrastructure"]
What changed in the latest 10-Q
AI-assisted comparison of JCAP's 10-Q filed 2026-05-14 against the prior one filed 2025-11-14.
Management's Discussion & Analysis (MD&A)
- Added:
- Reference to 'Company's 2025 Form 10-K' in opening paragraph (2026-05-14 filing)
- Statement that 'All deployments are purchased from independent third parties' (2026-05-14 filing)
- FTE count updated to 1,178 as of March 31, 2026 (2026-05-14 filing)
- New subsection 'Deployments and Collections' header (2026-05-14 filing)
- Paragraph beginning 'Creditors sell their volume in a mix of forward flow arrangements...' moved under 'Deployments and Collections' section (2026-05-14 filing)
- Removed:
- Reference to 'Prospectus filed with the SEC pursuant to Rule 424(b)(4)' and 'June 27, 2025' (2025-11-14 filing)
- Parenthetical reference to 'the Conn's Portfolio' in portfolio discussion (2025-11-14 filing)
- FTE count of 1,075 as of September 30, 2025 (2025-11-14 filing)
- Example statement about 'For example, the average purchase price as a percentage of face value is higher for newly charged-off portfolios...' (2025-11-14 filing)
- Statement about Company's average purchase price increase 'during the period ended September 30, 2025, as compared to the prior year periods' (2025-11-14 filing)
- Reworded:
- 'All deployments are made to independent third parties' changed to 'All deployments are purchased from independent third parties' (2026-05-14 filing)
- Paragraph structure reorganized: content previously under 'Deployments' subsection now split between 'Deployments and Collections' section header and 'Deployments' subsection (2026-05-14 filing)
- Opening reference changed from 'Company's final prospectus' to 'Company's 2025 Form 10-K' (2026-05-14 filing)
- Removal of 'For example,' introductory phrase in average purchase price discussion (2026-05-14 filing)
- Notes:
- The newer filing text is truncated mid-sentence at 'The voluntary collection cha', making full assessment of subsequent sections unavailable
- Comparison limited to the provided excerpts; full MD&A sections may contain additional changes not captured here
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 2 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 90 days · read to 2026-10-040 buys · 2 sells ($1M) — 2 selling insiders
- Last 180 days · read to 2026-10-040 buys · 2 sells ($1M) — 2 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-08-25. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about JCAP's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding JCAP as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 3,524,149
- Reported value $68,615,174
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 4 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about JCAP's institutional holders → See what each manager we track holds →
Short interest (FINRA)
JCAP had 1,046,750 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
JCAP had 1.82% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 4.78 days to cover at the same settlement.
- Reported short interest (shares) 1,046,750
- Short interest (% of shares outstanding) 1.82%
- Prior settlement (shares) 978,762
- Reported change 6.95%
- Days to cover (reported) 4.78
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
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Frequently asked questions
What does JEFFERSON CAPITAL INC (JCAP) do?
Jefferson Capital, Inc. operates as a financial services company providing a range of capital, asset management, and financial solutions. The company manages consolidated financial operations through its various subsidiaries, focusing on asset quality, liquidity, and strategic capital deployment.
What sector is JEFFERSON CAPITAL INC (JCAP) in?
JEFFERSON CAPITAL INC (JCAP) is classified in the Financials sector. Its industry is Diversified Financial Services. It trades on NASDAQ.
Does JCAP pay a dividend?
Yes — JEFFERSON CAPITAL INC (JCAP) pays a dividend, with an indicated yield of about 4.67% and at least 1 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-09-02). Informational only — not financial advice.
Is JEFFERSON CAPITAL INC (JCAP) overbought or oversold right now?
JEFFERSON CAPITAL INC (JCAP) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 47, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on JCAP come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest; prices are market data, as of 2026-09-02; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.