Jefferson Capital, Inc. JCAP

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20.08 USD -0.20 (-0.99%)

At closeNov 3, 2026, 4:01 PM EST

20.08 0.00 0.00%

After hours · Nov 3, 4:01 PM ET

20.00 Day range 20.40
15.50 52-week range 24.44
YTD
-10.12%
1 year
+4.64%

Financial health

Altman Z-Score

1.35 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 1
  • Return on Equity 5
  • Return on Assets 5
  • Debt / Equity 1
  • P/E 4
  • P/B 1

Valuation

P/E 3.6×
FY 2015: -28.5×FY 2016: 7.0×FY 2017: 15.2×FY 2018: 5.9×FY 2019: 9.0×FY 2023: 9.7×FY 2024: 10.2×FY 2025: 3.6×
FY 2015 5y median 9.0× FY 2025
P/S 1.1×
FY 2015: 47.9×FY 2016: 17.2×FY 2017: 18.1×FY 2018: 10.3×FY 2019: 8.9×FY 2023: 3.3×FY 2024: 2.5×FY 2025: 1.1×
FY 2015 5y median 3.3× FY 2025
P/B 1.4×
FY 2015: 0.8×FY 2016: 0.7×FY 2017: 0.7×FY 2018: 0.6×FY 2019: 0.7×FY 2023: 3.9×FY 2024: 2.8×FY 2025: 1.4×
FY 2015 5y median 1.4× FY 2025
P/FCF 2.5×
FY 2015: -1.2×FY 2016: -2.2×FY 2017: -1.4×FY 2018: -1.1×FY 2019: -2.2×FY 2023: 9.1×FY 2024: 6.7×FY 2025: 2.5×
FY 2015 5y median 2.5× FY 2025
EV/EBITDA 7.1×
FY 2015: -13.6×FY 2016: 3.8×FY 2017: 10.8×FY 2018: 5.6×FY 2019: 10.1×FY 2023: 15.2×FY 2024: 14.2×FY 2025: 7.1×
FY 2015 5y median 10.1× FY 2025
EV/Sales 3.8×
FY 2015: 22.7×FY 2016: 9.7×FY 2017: 14.3×FY 2018: 10.8×FY 2019: 13.3×FY 2023: 5.7×FY 2024: 5.2×FY 2025: 3.8×
FY 2015 5y median 5.7× FY 2025
FCF Yield 39.9%
FY 2015: -81.4%FY 2016: -45.0%FY 2017: -72.0%FY 2018: -87.6%FY 2019: -45.0%FY 2023: 11.0%FY 2024: 15.0%FY 2025: 39.9%
FY 2015 5y median 11.0% FY 2025

Profitability

Gross Margin 67.8%
FY 2015: 100.0%FY 2016: 100.0%FY 2017: 97.8%FY 2018: 94.5%FY 2019: 91.1%FY 2023: 73.8%FY 2024: 71.2%FY 2025: 67.8%
FY 2015 5y median 73.8% FY 2025
Operating Margin 51.6%
FY 2015: -184.9%FY 2016: -43.8%FY 2017: 17.6%FY 2018: 35.5%FY 2019: 35.3%FY 2023: 50.8%FY 2024: 50.8%FY 2025: 51.6%
FY 2015 5y median 50.8% FY 2025
Net Margin 30.6%
FY 2015: -168.8%FY 2016: 245.2%FY 2017: 119.4%FY 2018: 174.2%FY 2019: 98.5%FY 2023: 34.5%FY 2024: 24.3%FY 2025: 30.6%
FY 2015 5y median 34.5% FY 2025
ROE 39.5%
FY 2015: -2.9%FY 2016: 9.5%FY 2017: 4.8%FY 2018: 9.9%FY 2019: 7.5%FY 2023: 40.6%FY 2024: 27.5%FY 2025: 39.5%
FY 2015 5y median 27.5% FY 2025
ROIC 13.0%
FY 2015: -3.2%FY 2016: -1.5%FY 2017: 0.7%FY 2018: 1.9%FY 2019: 2.0%FY 2023: 14.1%FY 2024: 10.7%FY 2025: 13.0%
FY 2015 5y median 10.7% FY 2025
ROA 9.0%
FY 2015: -2.8%FY 2016: 8.3%FY 2017: 4.6%FY 2018: 9.2%FY 2019: 5.5%FY 2023: 10.0%FY 2024: 6.4%FY 2025: 9.0%
FY 2015 5y median 9.0% FY 2025

Growth (YoY)

Revenue 41.5%
FY 2015: 0.0%FY 2016: 274.8%FY 2017: 86.6%FY 2018: 156.0%FY 2019: 44.5%FY 2023: 0.0%FY 2024: 34.1%FY 2025: 41.5%
FY 2015 FY 2025
Operating Income 43.7%
FY 2015: 0.0%FY 2016: 11.3%FY 2017: 175.0%FY 2018: 416.8%FY 2019: 43.6%FY 2023: 0.0%FY 2024: 34.3%FY 2025: 43.7%
FY 2015 FY 2025
EPS (diluted) 245.9%
FY 2015: 0.0%FY 2016: 496.9%FY 2017: -52.7%FY 2018: 157.4%FY 2019: -34.4%FY 2023: 0.0%FY 2024: -5.2%FY 2025: 245.9%
FY 2015 FY 2025
Free Cash Flow 65.3%
FY 2015: 0.0%FY 2016: 25.6%FY 2017: -214.7%FY 2018: -76.8%FY 2019: 35.9%FY 2023: 0.0%FY 2024: 36.1%FY 2025: 65.3%
FY 2015 FY 2025

Financial Health

Current Ratio 0.2×
FY 2015: 17.7×FY 2016: 15.4×FY 2017: 6.8×FY 2018: 1.0×FY 2019: 0.8×FY 2023: 25.1×FY 2024: 20.2×FY 2025: 0.2×
FY 2015 5y median 1.0× FY 2025
Quick Ratio 0.2×
FY 2015: 17.7×FY 2016: 15.4×FY 2017: 6.8×FY 2018: -4.4×FY 2019: 0.8×FY 2023: 25.1×FY 2024: 20.2×FY 2025: 0.2×
FY 2015 5y median 0.8× FY 2025
Debt / Equity 3.6×
FY 2015: 0.0×FY 2016: 0.1×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.3×FY 2023: 2.8×FY 2024: 3.1×FY 2025: 3.6×
FY 2015 5y median 2.8× FY 2025
Net Debt / EBITDA 5.1×
FY 2015: 15.0×FY 2016: -2.9×FY 2017: -2.9×FY 2018: 0.3×FY 2019: 3.4×FY 2023: 6.2×FY 2024: 7.3×FY 2025: 5.1×
FY 2015 5y median 5.1× FY 2025
Interest Coverage 3.0×
FY 2015: 0.0×FY 2016: -5.1×FY 2017: 2.0×FY 2018: 5.1×FY 2019: 1.9×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 3.0×
FY 2015 5y median 1.9× FY 2025

Dividends

Dividend Yield 9.5%
FY 2015: 5.1%FY 2016: 7.6%FY 2017: 7.7%FY 2018: 9.5%FY 2019: 10.4%FY 2023: 2.8%FY 2024: 3.3%FY 2025: 9.5%
FY 2015 5y median 9.5% FY 2025
Payout Ratio 33.8%
FY 2015: -146.0%FY 2016: 53.0%FY 2017: 116.4%FY 2018: 56.3%FY 2019: 94.0%FY 2023: 27.4%FY 2024: 34.2%FY 2025: 33.8%
FY 2015 5y median 34.2% FY 2025

Annual · latest fiscal year ends 2025-12-31