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Purchases and collects on portfolios of charged-off and non-performing consumer debt in the US and internationally.
Purchases and collects on portfolios of charged-off and non-performing consumer debt in the US and internationally.
Buys defaulted consumer accounts, such as credit card balances, from lenders at a deep discount to face value, then profits when collections over the following years exceed what it paid. The skill is in pricing each pool correctly. It runs an international arm beside its US base.
Moat: narrow (scale, data). Scale in pricing and collecting distressed debt portfolios, similar to larger peers Encore/PRA Group.
Headquarters: Minneapolis, Minnesota, US · Employees: 1,120
Size Jefferson Capital (JCAP) is a United States Financials company (Financial Conglomerates) with a market value of $1.14B, the 2170th largest of 3,117 United States companies the cockpit tracks. Shares closed at $19.83 on 6 Nov 2026.
Performance Over six months the shares fell 0.7%, against -4.6% for the median peer and -1.1% for the United States market (cap-weighted) — 8th highest of 21 in its peer set.
Growth Revenue grew 72.5% over the last twelve months (peer median +2.0%); the operating margin is 45.8% (peer median 16.7%).
Valuation It trades at 6.7× forward earnings against a peer median of 11.1× (3rd cheapest of 15).
Short interest Short interest is 1.9% of the free float (15 Oct 2026).
Next results Next results expected around 12 Nov 2026 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | |
|---|---|---|---|
| Revenue | $660M | $613M | $433M |
| Revenue growth | — | +42% | — |
| Gross profit | $424M | $421M | $300M |
| EBITDA | $309M | $324M | $226M |
| Net income | $147M | $188M | $129M |
| Free cash flow | $220M | $268M | $162M |
| Capital expenditure | $1.08M | $1.08M | $6.21M |
| Total debt | $1.41B | $1.41B | $1.20B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | Op. margin | Forward P/E | Req g |
|---|---|---|---|---|---|---|
| Jefferson Capital JCAP | $1.14B | -1% | +73% | 46% | 6.7× | n/a |
| Encore Capital ECPG | $2.42B | +36% | +29% | 38% | 7.1× | n/a |
| PRA PRAA | $486M | -33% | +12% | 37% | 5.1× | n/a |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | JCAP | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -0.6% | +0.5% | 9th lowest of 21 |
| 6-month return | -0.7% | -4.6% | 8th highest of 21 |
| Distance from 52-week high | -18.9% | -17.4% | 10th lowest of 21 |
| Revenue growth (TTM) | +72.5% | +2.0% | 3rd highest of 18 |
| Operating margin | 45.8% | 16.7% | 5th highest of 18 |
| Forward P/E | 6.7× | 11.1× | 3rd cheapest of 15 |
| Company | Market | Market cap | 6M return | Revenue growth | Op. margin | Forward P/E | Req g | Delivered g |
|---|---|---|---|---|---|---|---|---|
| Jefferson Capital JCAP | United States | $1.14B | -1% | +73% | 46% | 6.7× | n/a | n/a |
| Morgan Stanley Direct Lending Fund MSDL | United States | $1.15B | -12% | -15% | 56% | 7.6× | n/a | n/a |
| Next Generation Technology 319A.T | Japan | $1.17B | +55% | +35% | 13% | n/a | n/a | n/a |
| Viel & Cie VIL.PA | France | $1.25B | -1% | +6% | 15% | n/a | n/a | n/a |
| L1 Gold Fund LGF.AX | Australia | $1.02B | +15% | n/a | n/a | n/a | n/a | n/a |
| International General Insurance IGIC | United States | $1,000M | -7% | +2% | 20% | 8.5× | n/a | n/a |
| Monex 8698.T | Japan | $980M | -8% | +16% | 21% | 14.8× | n/a | n/a |
| Pacific Century Regional Developments P15.SI | Singapore | $943M | -6% | -37% | -70% | n/a | n/a | n/a |
| Ratos RATO-A.ST | Sweden | $1.38B | +24% | -23% | 5% | 9.7× | n/a | n/a |
| Mbb MBB.DE | Germany | $930M | +1% | +1% | 11% | 12.5× | n/a | n/a |
| Hyosung 004800.KS | South Korea | $1.42B | -49% | +10% | 15% | 6.2× | n/a | n/a |
| LunR Royalties LUNR.TO | Canada | $1.46B | -28% | n/a | -53% | 311.3× | n/a | n/a |
| KB Balhae Infrastructure Fund 415640.KS | South Korea | $884M | -3% | n/a | n/a | n/a | n/a | n/a |
| MidCap Financial Investment MFIC | United States | $845M | -12% | +1% | 36% | 7.7× | n/a | n/a |
| Peugeot Invest PEUG.PA | France | $1.54B | -16% | -101% | n/a | 6.3× | n/a | n/a |
| Yangzijiang Maritime Development 8YZ.SI | Singapore | $1.59B | -14% | +18% | 74% | 12.4× | n/a | n/a |
| Metalla Royalty & Streaming MTA.V | Canada | $763M | +17% | +89% | 17% | 74.2× | n/a | n/a |
| Senvest Capital SEC.TO | Canada | $762M | +18% | -18% | 628% | n/a | n/a | n/a |
| Tamburi Investment Partners TIP.MI | Italy | $1.72B | +5% | +353% | -539% | 14.0× | n/a | n/a |
| IndiGrid Infrastructure Trust INDIGRID.NS | India | $1.72B | -1% | +52% | 41% | 21.4× | n/a | n/a |
| Bain Capital Specialty Finance BCSF | United States | $723M | -18% | -12% | 67% | 7.7× | n/a | n/a |