JEFFERSON CAPITAL INC (JCAP)
Financials · Debt recovery and servicing · 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$18.52 as of 2026-07-09 close
- Market cap$1.1B as of 2026-07-10
- 1-year return+2.1% as of 2026-07-09 close
- P/E6.82 as of 2026-07-10
- Net margin+25.4% as of 2026-07-10
- Gross margin+66.9% as of 2026-07-10
- ROE+36.5% as of 2026-07-10
- Debt / equity3.24 as of 2026-07-10
- Revenue CAGR (3y)+37.8% SEC XBRL
- Beta0.94 as of 2026-07-10
Dividend: yield +5.4%; 1-year non-decreasing per-share dividend streak (SEC XBRL).
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"]
Competitors & peers
- CURO Group Holdings
- Enova International
- OppFi Inc.
- Encore Capital Group
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.