Jefferson Capital, Inc.
JCAPFinancial ServicesNASDAQCredit Services
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Daily timeframeHeadquartered within the financial services sector, Jefferson Capital, Inc. focuses on Credit Services services and products. Jefferson Capital, Inc. provides debt recovery solutions and other related services in the United States, the United Kingdom, Canada, and Latin America. Valued at $1.24B, JCAP is a small-cap name in its sector. 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
$1.24B
Beta
—
P/E (TTM)
—
P/E (Fwd)
7.05
EPS (TTM)
$-79.96
EPS (Fwd)
$3.08
ROE
34.9%
ROA
12.5%
Cash
$20.4M
Total Debt
$1.41B
Free CF
-$127.6M
52W Change
18.4%
Annual Financials
Cash vs Debt
Where JCAP stands vs its 150-day and 200-day moving averages
As of the August 27, 2026 close, JCAP finished 9.49% above its 150-day moving average ($19.38) and 7.39% above its 200-day moving average ($19.76). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is JCAP overbought or oversold?
At the August 27, 2026 close, JCAP's RSI(14) was 54.4, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
Jefferson Capital, Inc. carries $1.41B in total debt against $20.4M in cash reserves — debt is roughly 69.1x the cash position. Managing this leverage effectively will be important for long-term financial stability. The company is burning cash, with free cash flow at -$127.6M. This typically occurs when a company is investing aggressively in growth, but sustained cash burn can strain the balance sheet. Return on equity stands at 34.9%, which is exceptionally high for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. Return on assets of 12.5% 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.
Debt significantly exceeds cash reserves, which means the company's financial flexibility could be constrained during economic downturns. The company is burning cash at the operating level, which is not unusual for growth-phase companies but adds risk if it persists. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Jefferson Capital, Inc.'s trajectory.