Jefferson Capital, Inc.
JCAPFinancial ServicesNASDAQCredit Services
Scan Results
Daily timeframeJefferson Capital, Inc. provides debt recovery solutions and other related services in the United States, the United Kingdom, Canada, and Latin America. With a market capitalization of $1.17B, it sits in small-cap territory. 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
$1.17B
Beta
—
P/E (TTM)
22.43
P/E (Fwd)
6.64
EPS (TTM)
$0.91
EPS (Fwd)
$3.08
ROE
34.9%
ROA
12.5%
Cash
$20.4M
Total Debt
$1.41B
Free CF
-$127.6M
52W Change
4.8%
Annual Financials
Cash vs Debt
Where JCAP stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, JCAP finished 4.85% above its 150-day moving average ($19.37) and 3.04% above its 200-day moving average ($19.71). 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 October 20, 2026 close, JCAP's RSI(14) was 71.3, in overbought territory (above 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
On the balance sheet, JCAP has $20.4M in cash with $1.41B in obligations. The ability to service this debt comfortably depends on continued operational cash generation. 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. ROE of 34.9% points to exceptionally high capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. 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.
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. No single metric tells the full story. Reviewing JCAP's risk profile alongside its fundamentals and technical indicators provides a more complete picture.