Jefferson Capital, Inc.
JCAPFinancial ServicesNASDAQCredit Services · Last scanned Jul 18, 2026
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Daily timeframeJefferson Capital, Inc. provides debt recovery solutions and other related services in the United States, the United Kingdom, Canada, and Latin America. The $1.20B market capitalization puts JCAP squarely in small-cap range for its industry. It primarily purchases portfolios of consumer receivables at discounts to face value and manage them by working with individuals as they repay obligations and work toward financial recovery.
Market Cap
$1.20B
Beta
—
P/E (TTM)
3.82
P/E (Fwd)
6.72
EPS (TTM)
$5.11
EPS (Fwd)
$2.91
ROE
36.8%
ROA
12.3%
Cash
$26.2M
Total Debt
$1.44B
Free CF
-$134.9M
52W Change
17.0%
Annual Financials
Cash vs Debt
On the balance sheet, JCAP has $26.2M in cash with $1.44B in obligations. The ability to service this debt comfortably depends on continued operational cash generation. Free cash flow is running at -$134.9M, which bears watching. Negative free cash flow can be acceptable during heavy investment periods but needs to improve over time. Return on equity stands at 36.8%, which is exceptionally high for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. Return on assets of 12.3% further supports the picture of efficient asset utilization. Revenue has grown from $323.1M (2023) to $613.3M (2025), reflecting a 90% increase over the period.
The debt-to-cash ratio suggests meaningful leverage on the balance sheet, a factor worth monitoring if credit conditions tighten. The company is burning cash at the operating level, which is not unusual for growth-phase companies but adds risk if it persists. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing JCAP.