Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
JCAP
BUYFLAGJefferson Capital, Inc. · Financial Services · United States · $1.2B · Avg Vol: $8M/d
Jefferson Capital has strong quality Q77 and value V69 with a buyback on file, but momentum at M26 is well below the calibrated floor, so stage one fails.
COMPANY DESCRIPTION
Jefferson Capital, Inc. is a financial services company specializing in the acquisition and collection of distressed consumer receivables, purchasing portfolios of non-performing debt from financial institutions. Its expertise in data analytics, underwriting, and compliant debt collection strategies allows it to accurately value and efficiently recover on purchased portfolios. Jefferson Capital is a prominent player in the niche market of distressed consumer debt acquisition, leveraging advanced analytics.
FINANCIAL SUMMARY (USD)
| Year | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|
| Revenue | 323.1M | 433.3M | 613.3M | 37.8% | 625.3M | 690.0M | 712.6M | 7.8% |
| EPS | 1.91 | 2.21 | 5.64 | 71.7% | 5.15 | 2.87 | 2.91 | -28.2% |
| Shares | 58.3M | 58.3M | 58.3M | +0.1% | 61.6M | — | — | — |
| Debt | 770.9M | 1.2B | 1.4B | 35.2% | 1.4B | — | — | — |
| Equity | 274.8M | 382.5M | 476.1M | 31.6% | — | — | — | — |
| Op CF | 120.2M | 168.2M | 268.8M | 49.5% | 256.8M | — | — | — |
| Inv CF | -403.4M | -542.4M | -401.9M | — | — | — | — | — |
| Fin CF | 289.9M | 388.8M | 149.7M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of JCAP are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| JCAP | Jefferson Capital, Inc.(you) | $1.2B | 79 | BUY |
| OPFI | OppFi Inc. | $1.3B | 70 | BUY |
| WRLD | World Acceptance Corporation | $950M | 71 | BUY |
| ATLC | Atlanticus Holdings Corporation | $1.5B | 69 | BUY |
| ECPG | Encore Capital Group, Inc. | $1.9B | 92 | STRONG BUY |
| BFH | Bread Financial Holdings, Inc. | $4.2B | 78 | BUY |
| EZPW | EZCORP, Inc. | $1.8B | 61 | HOLD |
| GDOT | Green Dot Corporation | $753M | 58 | HOLD |
| AGM-A | Federal Agricultural Mortgage Corporation | $1.6B | 52 | HOLD |
| SEZL | Sezzle Inc. | $5.2B | 75 | BUY |
Peer medians: ROE 9.6% · P/E 13.5x · Gross margin 100.0%