Jefferson Capital Inc (JCAP)

Featured in Small-Cap Stocks

Jefferson Capital, Inc. is a consumer finance company listed on NASDAQ under the ticker JCAP. Through its operations in the United States, the United Kingdom, Canada, and Latin America, the company focuses on debt recovery solutions and related services. Its core business involves acquiring portfolios of previously charged-off consumer receivables at discounts to face value and then managing those accounts as individuals repay their obligations. Jefferson Capital also handles consumer receivables tied to credit cards, secured and unsecured auto loans, utilities, telecom, and other categories. In addition, the company provides debt servicing and portfolio management services for credit originators with nonperforming loans. Founded in 2002 and headquartered in Minneapolis, Minnesota, Jefferson Capital operates as an ordinary common stock issuer in the financials sector.


Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-JCAP
$17.33
-9.3% Downside
Fair
$26
36.1% Upside
Undervalued
Great
0.96
5.0%
August 13, 2026
7.6x
2.4x
1.7x
1.056 B
2.47 B
57.6%
26.5%
2.6
29.4%
184.1%
Valuation • Fair Value

Jefferson Capital Inc (NASDAQ-JCAP) Fair Value by Valuation Model

Compare the primary fair value estimate for Jefferson Capital Inc (NASDAQ-JCAP) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$17.33

Estimated downside of 9.3% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

$17.19

Discounted cash flow valuation reference.

Ben Graham Formula Value

$27.82

Classic Ben Graham valuation formula reference.

DDM Fair Value

$11.71

Dividend discount model valuation reference.

EPV Fair Value

$13.17

Earnings power value estimate.

Comps Fair Value

$20.01

Comparable-company valuation reference.

Analyst Price Target

$26

Analysts imply upside of 36.1%.

How to read these valuation models

Use this section to compare the primary fair value estimate for Jefferson Capital Inc (NASDAQ-JCAP) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for Jefferson Capital Inc (NASDAQ-JCAP)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

625.3 M

Current operating scale indicator.

Revenue Forecast

696.7 M

Forward revenue estimate.

EBITDA

378.1 M

Current operating profitability reference.

EBITDA Forecast

350.3 M

Forward operating profitability estimate.

How to read profitability and growth

This section helps investors review Jefferson Capital Inc (NASDAQ-JCAP) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Jefferson Capital Inc (NASDAQ-JCAP)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Great

Positive financial-health read.

Piotroski Score

5

Mid-range quality score.

Beneish M-Score

-2.62

No elevated caution signal from this screen.

Altman Z-Score

2.6

Intermediate risk zone.

FCF / Net Income

184.1%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Jefferson Capital Inc (NASDAQ-JCAP). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Jefferson Capital Inc (NASDAQ-JCAP)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

August 13, 2026

Days to Earnings

23

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

5.0%

Income yield reference.

Upcoming Dividend

0.96

Upcoming distribution amount.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

29.4%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Jefferson Capital Inc (NASDAQ-JCAP), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Jefferson Capital Inc (NASDAQ-JCAP) Stock Forecast & Technical Outlook

Review Jefferson Capital Inc (NASDAQ-JCAP) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Sell

The 15-minute technical read for Jefferson Capital Inc (NASDAQ-JCAP) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Sell

The 1-hour technical read for Jefferson Capital Inc (NASDAQ-JCAP) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Neutral

The daily technical read for Jefferson Capital Inc (NASDAQ-JCAP) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Neutral

The weekly technical read for Jefferson Capital Inc (NASDAQ-JCAP) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Buy

The monthly technical read for Jefferson Capital Inc (NASDAQ-JCAP) is currently Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Jefferson Capital Inc (NASDAQ-JCAP)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Strong Buy

Based on the available recommendation mix, Jefferson Capital Inc (NASDAQ-JCAP) has a Strong Buy consensus, with 2 buy, 0 hold and 0 sell recommendations in the current data set.

Buy 2
Hold 0
Sell 0
FAQ Fast Investor Answers

Jefferson Capital Inc (NASDAQ-JCAP) Stock FAQ

Quick answers about Jefferson Capital Inc (NASDAQ-JCAP) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$17.33
Estimated downside 9.3%
Valuation Rating
Overvalued
Estimated downside of 9.3%
Analyst Target
$26
Implied upside 36.1%
Financial Health
Great
Current financial-health read

The current fair value estimate for Jefferson Capital Inc (NASDAQ-JCAP) is $17.33. This implies an estimated downside of 9.3% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 9.3% versus the current market price.

The available analyst price target for Jefferson Capital Inc (NASDAQ-JCAP) is $26. The analyst target implies estimated upside of 36.1%.

The current financial health read for Jefferson Capital Inc (NASDAQ-JCAP) is Great. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Jefferson Capital Inc (NASDAQ-JCAP) is August 13, 2026.

Based on the current data, dividend yield is 5.0%, upcoming dividend amount is 0.96.

The current P/E ratio listed for Jefferson Capital Inc (NASDAQ-JCAP) is 7.6x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Jefferson Capital Inc is 1.056 B.

The current enterprise value listed for Jefferson Capital Inc is 2.47 B. Enterprise value can provide a broader valuation view than market capitalization alone because it also considers net debt.

The ticker symbol for Jefferson Capital Inc is NASDAQ-JCAP, and the stock is listed on NASDAQ.

Jefferson Capital Inc (NASDAQ-JCAP) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for Jefferson Capital Inc is 57.6%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Jefferson Capital Inc is 26.5%. Free float helps investors understand how much of the share base is available for public trading.