JCAP
Strong BuyPremium GrowerAI neutralJefferson Capital, Inc. · Financial Services · United States · $1.2B cap · $4.9M/day traded
$20.64 +2.8% · close 4 Nov · scored 5 Nov
StockRank up 2.3 since 4 Nov: Momentum up 3 after a 3% price rise.
Premium Grower: Strong business with the market behind it, priced at a premium.
Report expected 16 Nov: the next-year EPS estimate has risen 5.8% over the last 13 weeks.
As of 5 Nov 2026, MoatMap's StockRank for Jefferson Capital, Inc. (JCAP) is 85/100, ranked against 24,000+ stocks in 35 markets (Quality 78, Value 50, Momentum 56, each scored against its sector).
Does StockRank work? Each month we publish how each tenth of the ranking did, whichever way it went. See the record →
Jefferson Capital buys portfolios of defaulted consumer debt and reported record deployments in its second quarter of 2026. Stretched household budgets can increase the supply of charged-off debt available to buy at attractive prices. However, the model depends on borrowed money, as shown by the new $100 million senior notes due 2030, and collections weaken when consumers are squeezed. This is a leveraged financial business rather than an asset-light compounder.
ABOUT JEFFERSON CAPITAL, INC.
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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% | 642.7M | 713.5M | 743.8M | 10.1% |
| EPS | 1.91 | 2.21 | 5.64 | 71.7% | 0.91 | 3.00 | 3.08 | -26.2% |
| Shares | 58.3M | 58.3M | 58.3M | +0.1% | 57.4M | — | — | — |
| 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% | 221.1M | — | — | — |
| Inv CF | -403.4M | -542.4M | -401.9M | — | — | — | — | — |
| Fin CF | 289.9M | 388.8M | 149.7M | — | — | — | — | — |
No clear trend: not near its 52-week low, and not in a steady uptrend.
Calmer than 62% of stocks we rank over the past year (volatility 35% a year).
How this is worked out
StockRank weighs the business, its price and its trend. The price check reads only the chart: the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn (the Turning up rule above) cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: how much the price moved day to day over the past year, scaled to a yearly figure (annualised volatility) and ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
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 | 85 | Strong Buy |
| ATLC | Atlanticus Holdings Corporation | $1.3B | 86 | Strong Buy |
| ECPG | Encore Capital Group, Inc. | $2.1B | 83 | Strong Buy |
| OPRT | Oportun Financial Corporation | $423M | 89 | Strong Buy |
| WRLD | World Acceptance Corporation | $778M | 69 | Buy |
| EZPW | EZCORP, Inc. | $1.8B | 67 | Buy |
| RM | Regional Management Corp. | $302M | 91 | Strong Buy |
| WU | The Western Union Company | $2.0B | 63 | Hold |
| ENVA | Enova International, Inc. | $4.1B | 77 | Buy |
| SEZL | Sezzle Inc. | $4.5B | 77 | Buy |
Peer medians: ROE 9.6% · P/E 13.0x · Gross margin 72.5%
Company Deep Dive
A 10,000-word report: the business and its segments, what management promised on earnings calls and whether it delivered, the competition, and how things could turn out.