JEFFERSON CAPITAL INC (JCAP)
Financials · Consumer Debt Collection and Management · NASDAQ
Jefferson Capital purchases distressed consumer debt portfolios at steep discounts and manages collections to recover value across credit cards, autos, utilities, and other receivables.
What JEFFERSON CAPITAL INC does
Jefferson Capital, Inc. is a debt recovery and servicing company that purchases portfolios of consumer receivables at deep discounts to face value and manages collections by working with individuals on repayment plans. The company operates across multiple receivable types including credit card, automotive, utilities, telecom, and other consumer receivables across the U.S., Canada, the UK, and Latin America. It also provides debt servicing and portfolio management services to credit originators for non-performing loans, and earns revenue through credit card acquisition programs.
Themes: Debt recovery / collections, Non-performing loans, Consumer receivables, Loan servicing, Charged-off receivables
Fundamentals
- Price$22.11 as of 2026-08-24 close
- Market cap$1.3B as of 2026-08-24
- 1-year return+17.3% 2025-08-22 close $18.85 → 2026-08-24 close $22.11
- P/E7.78 as of 2026-08-24
- Net margin+25.4% as of 2026-08-24
- Gross margin+66.9% as of 2026-08-24
- ROE+36.5% as of 2026-08-24
- Debt / equity3.24 as of 2026-08-24
- Revenue growth (YoY)+41.5% FY2025 vs FY2024, SEC XBRL
- Revenue CAGR (3y)+37.8% SEC XBRL
- Beta1.04 as of 2026-08-24
- Last reported earnings2026-08-13 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +4.8%; 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 2026-08-24
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
- operating margintop 10% 534 covered Financials peers, as of 2026-08-24
- gross marginmiddle range 176 covered Financials peers, as of 2026-08-24
- return on equitytop 10% 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRtop 10% 347 covered Financials peers
- indicated dividend yieldmiddle range 453 covered Financials peers, as of 2026-08-24
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 9.4% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed below its 200-day average about 57 trading days ago — a "death cross", a bearish long-term signal. A strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 40, with buyers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 60, neither overbought (above 70) nor oversold (below 30). It made a new 20-day high about 6 trading days ago.
Trend
9
| Distance from the 200-day | it is trading 9.4% above its 200-day average, the long-term trend line — a longer-term uptrend | +9.4% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $19.63 | $19.63 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $20.37 | $20.37 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing high 24 calendar days ago — the swings before that are what the structure reading is measured on | 24 sessions |
| Wave structure | its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in the fourth leg, a pullback against that upward direction; the labelling fails if price closes below 19.88. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible upward five-wave sequence, in wave 4 (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed below its 200-day average about 57 trading days ago — a "death cross", a bearish long-term signal | 57 sessions |
| Above the 200-day after a dip | it recently dipped to its 200-day average (the long-term trend line) and has since climbed back above it — now about 9.4% above | +9.4% |
| Trend strength (14-day ADX) | a strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 40, with buyers in control | 39.6 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 60, neither overbought (above 70) nor oversold (below 30) | 60.3 |
|---|---|---|
| Position in its 14-day range | it is trading around the middle of its 14-day range ($20.30 to $24.44) — its "stochastic" reading is 48 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 slipping within that range over the last few sessions. | 48.0 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in positive territory (momentum leaning bullish) | 46 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 8.8% below its 52-week high (its highest price of the past year) | -8.8% |
| Above the 52-week low | it is 42.6% above its 52-week low (its lowest price of the past year) | +42.6% |
| Below the 52-week high | it is 8.8% below its highest point of the past year | 8.8% |
| Since a 20-day breakout | it made a new 20-day high about 6 trading days ago | 6 sessions |
| Since a 55-day breakout | it made a new 55-day high about 6 trading days ago | 6 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 roughly a quarter of its rise from last year’s low — 21% 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. | 21.5% |
| From the all-time high | it is 10.4% below its all-time high | -10.4% |
| Nearest price level | it is trading 2.8% above a support level at $21.68 — a price it turned at twice since 2026-01-20, most recently on 2026-04-17. Since 2025-06-26 it has 7 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -2.8% |
| 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 152.4% above its all-time low | +152.4% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually wide versus its own recent history (wider than about 80% of the past ~6 months) | 80th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.8057 between its high and its low — about 3.6% 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 | $0.8057 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $18.99 and $23.92 — 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 | $18.99 – $21.45 – $23.92 |
| Typical daily range (% of price) | its price moves about 3.6% in a typical session — about typical for the 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 | 3.6% |
| Stretch from the 200-day average | it is trading 2.4 daily ranges above its 200-day average price (9.4% above 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 | 2.4 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.32× |
|---|
Analyst
2
| Change in the average price target | analysts have raised their average price target by 8.5% since the prior reading | +8.5% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
1
| Since a doji | today 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 | today |
|---|
Price gaps
3
| Gap at the open | it opened on 2026-08-21 at essentially the same price it closed at the session before — no meaningful overnight gap | 0.0% |
|---|---|---|
| Open gap | it gapped 6.7% above the previous close 5 sessions ago and has not traded back through the level it left behind at 21.61 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +6.7% |
| Gap filled | a 9.1% gap down opened on 2026-06-09 has been "filled" 45 sessions ago — price traded back through the level the gap left behind, and it took 6 sessions to close | 45 sessions ago |
Price streaks
1
| Closing streak | it has closed lower 2 sessions in a row, a -4.78% move over the run — an unbroken run of down days, which describes what has already happened and says nothing about the next session | 2 sessions down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 13.1 percentage points (the stock gained 15.4% while the market gained 2.3%) | +13.1% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 25.1 percentage points (the stock gained 28.2% while the market gained 3.1%) | +25.1% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 5.4 percentage points (the stock gained 5.6% while the market gained 11.1%) | -5.4% |
| vs market, 12 months | over the past 12 months this stock beat the market by 4.0 percentage points (the stock gained 24.5% while the market gained 20.5%) | +4.0% |
Signal agreement
2
| Bullish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bullish state: a strong uptrend, with buyers in control, trading above its 200-day average, MACD momentum is positive, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
|---|---|---|
| Bearish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bearish state: a "death cross" — its 50-day average is below its 200-day, lagging the market over 6 months — these describe past price behaviour, not a forecast | 2 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 20% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is thin, spanning 1.3% of the share price, which is taken to mean a barrier that gives way easily. | +19.6% |
|---|
Volume-weighted price
1
| Vs this year’s average price paid | the price is 9% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $20.47 — a volume-weighted average of daily closes over 150 sessions, not a true tick-by-tick VWAP. | +8.9% |
|---|
Price levels it has turned at before
JCAP last closed at $22.29 on 2026-08-21. Since 2025-06-26 it has turned at 7 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $21.68 | Support | 2.8% below the last close | turned there twice · 2026-01-20 to 2026-04-17 |
| $23.03 | Resistance | 3.3% above the last close | turned there twice · 2025-11-17 to 2026-02-11 |
| $21.10 | Support | 5.3% below the last close | turned there twice · 2026-05-01 to 2026-07-28 |
| $20.43 | Support | 8.3% below the last close | turned there twice · 2025-08-26 to 2026-02-04 |
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 five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 4 of five, a pullback against that direction.
This labelling fails — stops being a possible reading at all — if it closes below $19.88.
It is the only labelling that fits these swings, though its proportions are not the textbook ones.
On past moves of this shape the leg has usually ended somewhere between $19.88 and $20.15 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
This labelling was already in place when we began recording count changes on 2026-08-13, so how long it has stood is not something we can say yet.
Read from daily closes as of 2026-08-21.
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 above the 200-day moving average · Tested and reclaimed 200-day support · in a strong, established uptrend (ADX) · Analyst price target recently RAISED · lagging the market · Printed a doji candle | Learn: moving average · golden cross · adx · rsi · breakout
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (1.60 mean, 1=Strong Buy…5=Strong Sell) — 5 analysts
- Mean price target$28.20 range $24.00 – $30.00; median $29.00
Analyst estimates, as of 2026-08-22. 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 2026-08-22
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
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)
["General economic deterioration and financial market turbulence could adversely affect revenues, asset values, and portfolio quality","Rising unemployment rates and changes in customer behavior could impact debt repayment rates and cash collections","Increases in interest rates and changes in economic conditions could affect portfolio valuations and liquidity"]
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
Risk Factors
- Added:
- Item 1A — Risk Factors page reference changed to 54 (from 70 in older filing)
- Item 2 — Unregistered Sales of Equity Securities and Use of Proceeds page reference changed to 54 (from 89 in older filing)
- Item 3 — Defaults Upon Senior Securities page reference changed to 55 (from 89 in older filing)
- Item 4 — Mine Safety Disclosures page reference changed to 55 (from 89 in older filing)
- Item 5 — Other Information page reference changed to 55 (from 90 in older filing)
- Item 6 — Exhibits page reference changed to 55 (from 90 in older filing)
- Signatures page reference changed to 57 (from 92 in older filing)
- Combined and Condensed Consolidated Balance Sheets with data as of March 31, 2026 and December 31, 2025 presented
- Combined and Condensed Consolidated Statements of Operations and Comprehensive Income section heading added
- Removed:
- Exhibit Index reference removed (was page 90 in older filing)
- Summary Risk Factors section removed entirely from newer filing
- Nine bullet points of summary risk factors removed, including references to nonperforming loans portfolio replacement, collections adequacy, insolvency proceedings, co-sourced operations in Mumbai, Moriarty law firm subsidiary, Conn's Portfolio Purchase, and other specific risk disclosures
- Text indicating financial data reference 'as of and for the three months and nine months ended September 30, 2025 and December 31, 2024' replaced with reference to 'March 31, 2026 and December 31, 2025'
- Reference to 'rounded nearest thousandth' changed to 'rounded to the nearest thousand' in BASIS OF PRESENTATION section
- Reworded:
- BASIS OF PRESENTATION: Financial data reference changed from 'as of and for the three months and nine months ended September 30, 2025 and December 31, 2024' to 'as of March 31, 2026 and December 31, 2025, and for the three months ended March 31, 2026 and the twelve months ended December 31, 2025'
- Rounding disclosure changed from 'rounded nearest thousandth' to 'rounded to the nearest thousand' in BASIS OF PRESENTATION section
- Notes:
- The text provided for the newer filing appears truncated and does not include the actual Risk Factors section content (Item 1A), making it impossible to assess substantive changes to risk factor disclosures themselves
- The older filing text also appears truncated at the Summary Risk Factors section, limiting full comparison of that section
- Comparison is based on available excerpts and page references rather than complete Risk Factors sections
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)
No open-market insider purchases or sales recorded in the last 90 days.
Most recent open-market transaction: 2026-01-09. As of 2026-08-25.
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 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 2,537,729
- Reported value $48,887,248
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 5 increased, 0 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.
Short interest (FINRA)
JCAP had 1,213,789 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
JCAP had 2.11% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 3.71 days to cover at the same settlement.
- Reported short interest (shares) 1,213,789
- Short interest (% of shares outstanding) 2.11%
- Prior settlement (shares) 1,113,555
- Reported change 9%
- Days to cover (reported) 3.71
Reported to FINRA as of the 2026-07-31 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.
Competitors & peers
- CURO Group Holdings
- Enova International
- OppFi Inc.
- Encore Capital Group
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare JCAP vs…
Frequently asked questions
What does JEFFERSON CAPITAL INC (JCAP) do?
Jefferson Capital, Inc. is a debt recovery and servicing company that purchases portfolios of consumer receivables at deep discounts to face value and manages collections by working with individuals on repayment plans. The company operates across multiple receivable types including credit card, automotive, utilities, telecom, and other consumer receivables across the U.S., Canada, the UK, and Latin America.
What sector is JEFFERSON CAPITAL INC (JCAP) in?
JEFFERSON CAPITAL INC (JCAP) is classified in the Financials sector. Its industry is Consumer Debt Collection and Management. It trades on NASDAQ.
Does JCAP pay a dividend?
Yes — JEFFERSON CAPITAL INC (JCAP) pays a dividend, with an indicated yield of about 4.77% 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 2026-08-24). Informational only — not financial advice.
Who are JEFFERSON CAPITAL INC's (JCAP) competitors?
Notable peers of JEFFERSON CAPITAL INC (JCAP) include CURO Group Holdings, Enova International, OppFi Inc. and Encore Capital Group. This peer set is 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 60, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on JCAP come from?
Fundamentals and prices come from market data, as of 2026-08-24; 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: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-24.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.