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Jefferson Capital

JCAP

Market cap $1.18B

20.55 USD

+0.20

0.98%

At close Updated Oct 13, 9:35 AM EDT

1 day

0.98%

5 days

3.95%

1 month

-4.46%

3 months

8.9%

6 months

2.96%

Year to date

-7.06%

1 year

12.91%

5 years

10.84%

10 years

10.84%

About: Jefferson Capital Inc and its subsidiaries operate in the United States, Canada, the United Kingdom, and Latin America, providing debt recovery solutions across a broad range of consumer receivables, including credit card, automotive, utilities, telecom, and other accounts. The Company mainly purchases portfolios of consumer receivables from independent third parties at deep discounts to face value and manages these portfolios by working with individuals as obligations are repaid and financial recovery is achieved, including accounts subject to bankruptcy proceedings. In addition, the Company provides debt servicing and portfolio management services to credit originators for non-performing loans and generates revenue through credit card acquisition programs.

Employees: 1,120

Financials Credit Services

News

Positive

Neutral

Negative

Sentiment 3-Months

Positive 44.4%

Neutral 55.6%

Negative 0%

Jefferson Capital: Low Valuation Backed By Rising Recoveries

Jefferson Capital, Inc. trades at an 8.5x GAAP P/E with a 5% dividend yield, reflecting market caution on legal and consumer solvency risks. JCAP's aggressive portfolio expansion, including $185 million deployed in July and entry into Mexico, supports revenue growth and future cash flow visibility. Estimated remaining recoveries rose 18% to $3.4 billion, underpinning several years of revenue, but profit margins contracted due to rising legal and servicing costs.

Jefferson Capital: Low Valuation Backed By Rising Recoveries

Jefferson Capital Announces Pricing of $100 Million of Senior Notes due 2030

MINNEAPOLIS, Aug. 18, 2026 (GLOBE NEWSWIRE) -- Jefferson Capital, Inc. (NASDAQ: JCAP) (“Jefferson Capital”), announced today the pricing of an offering (the “Offering”) of $100 million aggregate principal amount of 8.250% senior notes due 2030 (the “Add-On Notes”) by Jefferson Capital Holdings, LLC (the “Issuer”), its indirect wholly-owned subsidiary. The Add-On Notes will initially be fully and unconditionally guaranteed on a senior unsecured basis by certain of the Issuer's wholly-owned domestic restricted subsidiaries. The Add-On Notes are being offered as additional notes under the Indenture, dated as of May 2, 2025, pursuant to which the Issuer previously issued $500 million in aggregate principal amount of 8.250% senior notes due 2030 (the “Existing Notes” and, together with the Add-On Notes, the “Notes”).

Jefferson Capital Announces Pricing of $100 Million of Senior Notes due 2030

Jefferson Capital Announces Proposed Private Offering of Senior Notes

MINNEAPOLIS, Aug. 18, 2026 (GLOBE NEWSWIRE) -- Jefferson Capital, Inc. (NASDAQ: JCAP) (“Jefferson Capital”), announced today the launch of an offering (the “Offering”) of $100 million in aggregate principal amount of senior notes due 2030 (the “Add-On Notes”) by Jefferson Capital Holdings, LLC (the “Issuer”), its indirect wholly-owned subsidiary. The Add-On Notes will be initially fully and unconditionally guaranteed on a senior unsecured basis by certain of the Issuer's wholly-owned domestic restricted subsidiaries. The Add-On Notes are being offered as additional notes under the Indenture, dated as of May 2, 2025, pursuant to which the Issuer previously issued $500 million in aggregate principal amount of 8.250% senior notes due 2030 (the “Existing Notes” and, together with the Add-On Notes, the “Notes”).

Jefferson Capital Announces Proposed Private Offering of Senior Notes

Jernigan Capital Q2 Earnings Call Highlights

Jefferson Capital reported higher second-quarter collections, revenue and portfolio purchases, while highlighting expanding opportunities in auto finance and its entry into Mexico's debt-purchasing market.

Jernigan Capital Q2 Earnings Call Highlights

Jefferson Capital, Inc. (JCAP) Q2 2026 Earnings Call Transcript

Jefferson Capital, Inc. (JCAP) Q2 2026 Earnings Call Transcript

Jefferson Capital, Inc. (JCAP) Q2 2026 Earnings Call Transcript

Zacks Investment Research

Jefferson Capital, Inc. (JCAP) Surpasses Q2 Earnings and Revenue Estimates

Jefferson Capital, Inc. (JCAP) came out with quarterly earnings of $0.67 per share, beating the Zacks Consensus Estimate of $0.63 per share. This compares to earnings of $0.81 per share a year ago.

Jefferson Capital, Inc. (JCAP) Surpasses Q2 Earnings and Revenue Estimates

Jefferson Capital Reports Second Quarter 2026 Results

Collections Grow 18% to $300.9 Million and Deployments grow 21% to $152.2 Million Estimated Remaining Collections (“ERC”) up 18% to $3.4 Billion Pre-tax Income of $53.3 Million with Net Income of $41.3 Million and EPS of $0.67 Adjusted Pre-tax Income of $59.3 Million with Adjusted Net Income of $47.3 Million and Adjusted EPS of $0.77 Board of Directors Declares Quarterly Cash Dividend of $0.24 per Share

Jefferson Capital Reports Second Quarter 2026 Results

Jefferson Capital to Announce Second Quarter 2026 Results

MINNEAPOLIS, July 30, 2026 (GLOBE NEWSWIRE) -- Jefferson Capital, Inc. (NASDAQ: JCAP) (“Jefferson Capital”), a leading analytically driven purchaser and manager of charged-off, insolvency and active consumer accounts, today announced that it will release financial results for the second quarter 2026 after the market close on Thursday, August 13, followed by a webcast at 5:00 pm Eastern Time that day to discuss the Company's results.

Jefferson Capital to Announce Second Quarter 2026 Results

Jefferson Capital: 4.9%-Yielding Buyer Of Charged-Off Debt

Jefferson Capital is the most profitable and least leveraged public debt buyer, trading near 7x forward adjusted earnings with a 4.9% yield. Q1'26 collections hit a record $309.9M (+19% YoY), though net income fell on post-IPO taxes and stock compensation, and operating expenses rose 47% on servicing and court costs. Industry tailwinds are intact: card delinquencies remain above pre-pandemic levels and consumer credit balances sit near records.

Jefferson Capital: 4.9%-Yielding Buyer Of Charged-Off Debt

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