JCAP
Jefferson Capital, Inc. / De Financials Short-Term Business Credit Institutions Russell 3000
$19.72Close
$1.1BMarket cap
$15.35 – $23.7452-week range
Nov 12, 2026Next report
Highlights
Cautions
- Not in an uptrend 3 of 8 trend conditions
- Lagging the market RS 41 · weaker than 59% of stocks over 12 months
- Earnings shrinking EPS −96% year on year
- Results soon Nov 12, 2026, in 11 days
Price
Filing Results Screen pick 52-week high and low Adjusted prices
Key figures
Off 12-month high
17%
1wk
down 3.4%
price change
1mo
up 3.4%
price change
12-month return
up 12%
market up 11% ·
its own down 1%
F-score
—
— Not assessed
Altman Z
—
Unknown
P/E
6.1×
price / earnings
PEG
—
P/E / EPS growth
P/B
2.4×
price / book
Earnings yield
—
EBIT / enterprise value
Cheaper than
—
of the market · not assessed
Revenue growth
up 42%
year on year
EPS growth
down 96%
latest quarter
Sales growth
up 16%
latest quarter · +2 pts
ROE
up 44%
return on equity
Free cash margin
—
D/E
3.68
long-term debt / equity
Net debt / EBITDA
—
Interest cover
—EBIT / interest
Trade setup
ATR%
3.0%
$0.60 a day · 2×ATR $18.52
RS
41 / 99
vs the universe
Trend
3 / 8
trend template
Relative volume
1.1×
vs 50-day average
Up/down volume
0.73
50 sessions
Implied move
—
no option chain · report Nov 12, 2026
Contractions
3
15% → 14% → 9%
Pivot
$21.10
6.5% below
Volume dry-up
0.9×
10 vs 50 sessions
Trend template · 3 of 8
- Price above the 150 and 200-day averages: passes
- 150-day average above the 200-day: fails
- 200-day average rising for a month: fails
- 50-day average above the 150 and 200-day: passes
- Price above the 50-day average: fails
- At least 30% above the 52-week low: fails
- Within 25% of the 52-week high: passes
- RS rank 70 or higher: fails
Screen verdict
Did not qualify for any screen.
Warning signs
- No restatement or impairment
- Equity positive
- No material dilution
- Margins and revenue not shrinking
Last reported
Aug 13, 2026
Results reaction
Aug 13, 2026+13% vs market2 sessions after results
Financials
- Net 31%
- Cash
- Long-term debt
| FY2023Dec 31, 2023 | FY2024Dec 31, 2024 | FY2025Dec 31, 2025 | |
|---|---|---|---|
| Revenue | $323.1M | $433.3M | $613.3M |
| Operating income | $164.1M | $220.3M | $316.5M |
| Net income | $111.5M | $128.9M | $188.0M |
| Net margin | 35% | 30% | 31% |
| Earnings per share | — | — | $6.26 |
| Cash | $14.4M | $35.5M | $23.2M |
| Long-term debt | — | $1.2B | $1.8B |
| Shareholders' equity | $303.6M | $382.5M | $476.1M |
| Shares outstanding | — | 0 | 58.30m |
Filings
| Filed | Report | Period to | Lag |
|---|---|---|---|
| Aug 13, 2026 | Quarterly ↗ | Jun 30, 2026 | 44d |
| May 14, 2026 | Quarterly ↗ | Mar 31, 2026 | 44d |
| Mar 13, 2026 | Annual ↗ | Dec 31, 2025 | 72d |
| Nov 14, 2025 | Quarterly ↗ | Sep 30, 2025 | 45d |
| Aug 14, 2025 | Quarterly ↗ | Jun 30, 2025 | 45d |
Current reports
| Filed | Disclosed |
|---|---|
| Aug 21, 2026 | Material agreement ↗ |
| Aug 18, 2026 | Other events ↗ |
| Aug 13, 2026 | Results ↗ |
| Jun 8, 2026 | Shareholder vote ↗ |
| May 14, 2026 | Results ↗ |
| Apr 23, 2026 | Material agreement · New obligation ↗ |
| Mar 18, 2026 | Director or officer change ↗ |
| Mar 17, 2026 | Director or officer change ↗ |
| Mar 12, 2026 | Results ↗ |
| Dec 5, 2025 | Acquisition or disposal ↗ |
| Nov 13, 2025 | Results ↗ |
| Oct 29, 2025 | Material agreement · New obligation ↗ |