Stocks · Financial Services · Financial - Credit Services
Jefferson Capital, Inc. Common Stock JCAP
$19.25 +0.57% Close, Oct 2, 2026 · NASDAQ · Market cap $1.19B
Inexpensive vs sectorHigh risk
Next earnings report: Nov 12, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $2.66, down 85.5% year over year.
- The diluted share count rose 1854.1% in a year.
- Operating margin narrowed to 41.8% from 53.8% a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 20%
- EPS growth (TTM, YoY)Bottom 9%
- Revenue growth accelerationBottom 20%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 1%
- Gross marginTop 19%
- Operating marginTop 13%
- Net debt / EBITDA (lower is better)Bottom 23%
- Interest coverBottom 12%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 7%
- EBITDA / enterprise valueTop 29%
- Sales / enterprise valueBottom 37%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 36%
- 6-month returnBottom 19%
- 1-year return vs S&P 500Top 44%
- Distance from 52-week highBottom 22%
- Trend checklist (0–4)Bottom 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 21%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyTop 6%
- Upside to consensus price targetTop 12%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 21%
- Maximum drawdown, 3 yearsBottom 38%
- Beta vs S&P 500 (lower is better)Bottom 29%
- Net debt / EBITDA (lower is better)Bottom 23%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 30.0% | 22.8% | ↓ |
| EPS growth (YoY) | 789.6% | -85.5% | ↓ |
| Gross margin | 71.5% | 78.5% | ↑ |
| Operating margin | 53.8% | 41.8% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 22.8% | 30.0% | ↓ | Top 20% |
| EPS growth (TTM, YoY) | -85.5% | 789.6% | ↓ | Bottom 9% |
| Gross margin | 78.5% | 71.5% | ↑ | Top 19% |
| Operating margin | 41.8% | 53.8% | ↓ | Top 13% |
| Net margin | 23.5% | 25.8% | ↓ | — |
| Return on invested capital | 216.0% | — | Top 1% |
Quality of earnings and balance sheet
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -1.3 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 5.36×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.0×
Shareholder returns
- Share count change, 1 year
- +1854.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 13, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 2 of 6
- Average EPS surprise, last 4
- -3.6%
- Average 2-day reaction, last 8
- +1.9%
- Positive 20 days after report
- 4 of 5
Analysts
- Consensus price target
- $28.00
- Target vs current price
- +45.5%
- Analysts with a rating
- 10
- Share rating Buy or Strong Buy
- 90%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 13, 2026 | -1.9% | +2.4% | +10.9% | +0.5% | — |
| Jun 11, 2026 | -15.0% | +1.6% | +8.6% | +17.6% | +33.2% |
| May 14, 2026 | -13.1% | +0.2% | -7.4% | -12.8% | +13.0% |
| Nov 13, 2025 | +15.6% | +2.7% | +5.7% | +8.9% | +11.1% |
| Aug 14, 2025 | -8.0% | +2.8% | -2.2% | +0.6% | +5.2% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 13, 2026 | $0.67 | $0.68 | -1.9% | $177.5M |
| Jun 11, 2026 | $0.68 | $0.80 | -15.0% | $176.4M |
| May 14, 2026 | $0.61 | $0.70 | -13.1% | $176.4M |
| Nov 13, 2025 | $0.74 | $0.64 | +15.6% | $150.8M |
| Aug 14, 2025 | $0.81 | $0.88 | -8.0% | $152.7M |
| May 23, 2025 | $0.97 | $0.83 | +17.3% | $154.9M |
| Aug 8, 2020 | -$0.01 | -$0.08 | +81.5% | $11.7M |
| May 8, 2020 | -$2.30 | — | — | $11.7M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 7.2× | — | — | Top 7% |
| P/E (forward) | 6.5× | — | — | — |
| EV / EBITDA | 9.9× | — | — | Top 29% |
| EV / Sales | 3.90× | — | — | Bottom 37% |
| Earnings yield | 13.82% | — | — | Top 7% |
P/E over the past five years
Range 1.0× – 10.3× since Dec 31, 2024. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +9.3%
- Earnings per share growth (TTM)
- -85.5%
- Change in P/E multiple
- +688.3%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- +2.5%
- 200-day average slope (20 days)
- -0.5%
- Distance from 50-day average
- -8.0%
- Distance from 200-day average
- -4.8%
- RSI (14)
- 36.0
- Relative volume
- 1.47×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 35.0%
- Volatility vs own 5-year history
- 45th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.88
- Correlation with S&P 500
- 0.29
- Current drawdown from 1-year high
- -19.8%
- Maximum drawdown, 3 years
- -33.6%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 13, 2026 | Jun 3, 2026 | -33.6% | 97 days | 50 days (Aug 14, 2026) |
| Aug 14, 2026 | Sep 23, 2026 | -20.5% | 27 days | Not yet recovered |
| Jun 27, 2025 | Aug 1, 2025 | -14.4% | 24 days | 16 days (Aug 25, 2025) |
| Aug 26, 2025 | Sep 25, 2025 | -13.7% | 21 days | 32 days (Nov 10, 2025) |
| Jan 5, 2026 | Jan 6, 2026 | -10.5% | 1 days | 3 days (Jan 9, 2026) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.19B
- P/E (TTM)
- 7.2
- EPS, diluted (TTM)
- $2.66
- Revenue (TTM)
- $659.6M
- Dividend yield
- 4.99%
- 52-week range
- $15.50 – $24.44
| FY 2018 | FY 2019 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $31.2M | $45.1M | $323.1M | $433.3M | $613.3M |
| Gross profit | $29.5M | $41.1M | $238.4M | $308.4M | $415.6M |
| Operating income | $11.1M | $15.9M | $164.1M | $220.3M | $316.5M |
| Net income | $54.4M | $44.4M | $111.5M | $105.3M | $188.0M |
| EPS (diluted) | $3.14 | $2.06 | $1.91 | $1.81 | $6.26 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $110.6M | $118.9M | $154.9M | $152.7M | $150.8M | $154.8M | $176.4M | $177.5M |
| Net income | $36.9M | $3.4M | $50.7M | $47.7M | $38.4M | $37.7M | $37.6M | $41.3M |
| EPS (diluted) | $0.63 | $0.06 | $0.87 | $16.76 | $0.66 | $0.65 | $0.68 | $0.67 |
| FY 2018 | FY 2019 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | -$6.3M | -$13.6M | $120.2M | $168.2M | $268.8M |
| Capital expenditure | -$275.0M | -$166.6M | -$1.2M | -$6.2M | -$1.1M |
| Free cash flow | -$281.3M | -$180.2M | $119.0M | $162.0M | $267.7M |
| Dividends paid | -$30.6M | -$41.7M | -$30.6M | -$36.0M | -$63.5M |
| Net share buybacks | $101.3M | $37.5M | $0 | $0 | $10.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $20.4M
- Total assets
- $2.08B
- Total liabilities
- $1.61B
- Total debt
- $1.41B
- Net debt
- $1.39B
- Shareholders’ equity
- $476.2M
As of Jun 30, 2026 (filed Aug 13, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 24, 2026 | $0.24 | Sep 3, 2026 |
| May 26, 2026 | $0.24 | Jun 4, 2026 |
| Mar 24, 2026 | $0.24 | Apr 2, 2026 |
| Nov 25, 2025 | $0.24 | Dec 4, 2025 |
| Aug 25, 2025 | $0.24 | Sep 4, 2025 |
Short interest
- Shares sold short
- 1,046,750
- Days to cover
- 4.78
- Change vs previous report
- +7.0%
FINRA short interest, settlement date Sep 15, 2026.