profit from every $100 of sales.
$0$100
Jefferson Capital
$19.94+1.42% today
-10.0% in 1 year
1-year low $15.521-year high $24.00
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2023 to 2025.
0%20% a year
You pay $6.09 for every $1 of profit it makes in a year.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What Jefferson Capital sold, what it kept, and what it did with the cash.
Sales went from $323 million in 2023 to $613 million in 2025, with $188 million of profit last year.
SalesProfit
Jefferson Capital handed back 24% of the cash it generated last year.
$63M
Free cash flow 2025$268M
Bought back its own shares–
Paid as dividends$63M
Cash vs. debt$23M vs. $1.4B
Jefferson Capital vs. similar companies
Jefferson Capital grows the fastest of these 5 and is the cheapest for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Jefferson Capital | 6.1× · Cheap | ||
 Sunbelt Rentals Holdings | 22.6× · Fair price | ||
 Global Payments | 18.9× · Fair price | ||
 Synchrony Financial | 6.6× · Cheap | ||
 SoFi Technologies | 43.9× · Expensive |
AI analysis
An AI analyst reads Jefferson Capital's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2023 | 2024 | 2025 |
|---|---|---|---|
| 323 | 433 | 613 | |
| 140 | 312 | 449 | |
| 119 | 147 | 217 | |
| 121 | 150 | 222 | |
| 112 | 129 | 188 | |
| 1.91 | 2.21 | 5.64 | |
| 43.2% | 72.1% | 73.2% | |
| 36.8% | 34.0% | 35.4% | |
| 34.5% | 29.7% | 30.6% |
Balance sheet
| In millions of USD | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total assets | 1,115 | 1,654 | 2,087 |
| Cash | 14 | 36 | 23 |
| Total debt | 771 | 1,195 | 1,409 |
| Total liabilities | 812 | 1,272 | 1,611 |
| 275 | 383 | 476 | |
| 58 | 58 | 30 | |
| 9.0% | 7.4% | 9.1% | |
| 40.6% | 33.7% | 39.5% |
Cash flow
| In millions of USD | 2023 | 2024 | 2025 |
|---|---|---|---|
| 120 | 168 | 269 | |
| 1 | 6 | 1 | |
| 119 | 162 | 268 | |
| Dividends paid | 31 | 36 | 63 |
| – | – | – | |
| 0 | 0 | 17 |
Valuation
- 6.1×
- 7.0×
- 0.09
- 2.1×
- 1.9×
- 4.3×
- 11.4×
- 23.4%
- 16.4%
- 5.9%
Profitability
- 73.2%
- 35.4%
- 30.6%
- 41.4%
- 209.9%
- 8.2%
- 36.5%
- 7.7%
- 15.7%
- –
Growth
- +37.8%
- +71.7%
- +65.3%
- –
- +14.8%
Financial health
- 5.3×
- 3.24
- 68.8%
- 0.0×
- 0.14
- 0.14
- 0.30
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 27%of 604
Top 9%of 872
Top 13%of 883
Top 8%of 931
What analysts expect
- Average price target
- $27.00
- Range
- $25.00 – $29.00
- 2 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| May 14, 2026 | 0.61 | 0.67 | −9.2% |
| Nov 13, 2025 | 0.74 | 0.64 | +15.6% |
| Aug 14, 2025 | 0.81 | 0.88 | −8.0% |
| Mar 31, 2025 | 0.87 | – | – |
| Jun 30, 2024 | 0.55 | – | – |
| Mar 31, 2024 | 0.57 | – | – |
| Jun 30, 2020 | -0.01 | – | – |
| May 8, 2020 | -2.30 | – | – |
5.9%of the share price, paid each year
On $1,000 invested$59a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
33.8% of its profit
Room to growStretchedMore than it earns: 23.7%
News
Jefferson Capital (JCAP): Cheap Earnings Face Rising Collection CostsYahoo Finance · Nov 6, 2026Jefferson Capital prices $100M senior notesSeeking Alpha · Aug 18, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
5/7Passes 5 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
58No pass
Benjamin Graham
56No pass
Philip Fisher
82Pass
Peter Lynch
92Pass
Joel Greenblatt
84Pass
Charlie Munger
60Pass
Terry Smith
68Pass
Questions about Jefferson Capital
Is Jefferson Capital a good stock to buy?
A business with weak numbers, and the price looks low. 5 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Jefferson Capital AI analysis
What does Jefferson Capital do?
Jefferson Capital, Inc. is a company that specializes in financial recovery and debt resolution services, operating across the United States, the United Kingdom, Canada, and Latin America. It is in Financial - Credit Services.
Does Jefferson Capital pay a dividend?
Yes. At today's price the dividend is 5.9% a year, about 34% of its yearly profit. In 2025 it paid out $63.5 million in dividends.
Is Jefferson Capital stock halal?
No. Jefferson Capital does not pass our halal screen: its main business, lending at interest, is not permitted. How we check
How has Jefferson Capital stock done over the past year?
Down 10.0% over the past twelve months, to $19.94. It traded between $15.52 and $24.00 and is 16.9% below its high.
Who are Jefferson Capital's competitors?
The largest listed companies in the same industry are Sunbelt Rentals Holdings, Global Payments, Synchrony Financial and SoFi Technologies. The peers table on this page compares their profit, growth and price with Jefferson Capital's.
Prices: daily closes to Nov 11, 2026. Fundamentals: company reports via invest-like data.