JCAP

Strong BuyFull HouseFLAG

Jefferson Capital, Inc. · Financial Services · United States · $1.2B · Avg Vol: $7M/d

Full House: Strong business, sensible price, market agrees. The rare full house.

85
StockRank
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Quality
78
Value
50
Momentum
53
P/E (TTM)
—
peers 12.6x
ROE
35.0%
peers 9.6%
D/E
3.0x
peers 0.3x
Dividend %
2.3%
trailing yield
Director trades · 180d
−$1.3M →
sold by directors
Buybacks · 180d
$58.9M →
of its own shares repurchased
AI CONVICTION THESIS

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.

The ranks quoted here are from the day it was written; today's Quality, Value and Momentum are the bars above.

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)

Year202320242025CAGRTTM2026E2027EFwd CAGR
Revenue323.1M433.3M613.3M37.8%642.7M713.5M743.8M10.1%
EPS1.912.215.6471.7%—3.003.08-26.2%
Shares58.3M58.3M58.3M+0.1%57.4M———
Debt770.9M1.2B1.4B35.2%1.4B———
Equity274.8M382.5M476.1M31.6%————
Op CF120.2M168.2M268.8M49.5%221.1M———
Inv CF-403.4M-542.4M-401.9M—————
Fin CF289.9M388.8M149.7M—————
Loading 1Y...
PRICE (1Y)-3.2%
20.4721.3522.2323.1224.00Aug 7Aug 28Sep 18
SMA 50SMA 200

Close
$20.54
RSI (14)
41.8
52W High
$24.18
From 52W High
0.8%

SCORE BREAKDOWN

Quality
78
ROIC
11.4%85.8
ROE
35.0%94.7
GP/Assets
23.1%87.5
Op. Margin
61.2%79.5
FCF/Assets
12.8%91.5
Piotroski
892.3
Int. Cover
—N/A
D/E Ratio
2.96x10.1
Current Ratio
5.36x78.4
Value
50
P/E (TTM)
—N/A
EV/EBITDA
6.6x64.5
P/FCF
4.5x78.1
P/B
2.5x19.5
P/S
1.8x76.9
Div Yield
2.3%30.1
Momentum
53
52W High %
85%36.3
RS 6M
-11%36.3
SMA 50/200
1.04x56.3
EPS Rev 4W
+5.8%92.3
EPS Rev 12W
+5.8%86.7
EPS Improve
+104%84.3
Q Growth
-13%18.3

FUNDAMENTALS

Market Cap
$1.2B
P/E (Forward)
6.7x
Gross Margin
75.2%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of JCAP are excluded.

TickerCompanyMkt CapStockRankSignal
JCAPJefferson Capital, Inc.(you)$1.2B85Strong Buy
ATLCAtlanticus Holdings Corporation$1.4B79Buy
ECPGEncore Capital Group, Inc.$2.1B87Strong Buy
EZPWEZCORP, Inc.$2.0B71Buy
WRLDWorld Acceptance Corporation$878M63Hold
SEZLSezzle Inc.$4.2B79Buy
OPRTOportun Financial Corporation$338M91Strong Buy
PMTSCPI Card Group Inc.$332M93Strong Buy
MFINMedallion Financial Corp.$274M81Strong Buy
BFHBread Financial Holdings, Inc.$4.1B73Buy

Peer medians: ROE 9.6% · P/E 12.6x · Gross margin 100.0%

Company Deep Dive

Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.

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Jefferson Capital, Inc. (JCAP): Stock Score Summary

Jefferson Capital, Inc. (JCAP) has a MoatMap StockRank of 85/100 based on Quality (78/100), Value (50/100), and Momentum (53/100) factor scores. The current signal is STRONG BUY. 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.

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.

Key Financial Metrics

Price$20.54
Market Cap$1.2B
P/E (Forward)6.68
Price/Book2.48
Return on Equity35.0%
Return on Invested Capital11.4%
Debt/Equity2.96x
Gross Margin75.2%
Operating Margin61.2%
Revenue Growth11.5%
Dividend Yield2.3%
Free Cash Flow$268M

Jefferson Capital, Inc. operates in the Credit Services industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Jefferson Capital, Inc.’s (JCAP) StockRank?
MoatMap’s StockRank for Jefferson Capital, Inc. (JCAP) is 85/100, with a Strong Buy signal. It is a composite of Quality (78), Value (50), and Momentum (53) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Jefferson Capital, Inc. have an economic moat?
Jefferson Capital, Inc. (JCAP) has a Quality factor score of 78/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Jefferson Capital, Inc. a buy, hold, or sell?
MoatMap’s current signal for Jefferson Capital, Inc. (JCAP) is Strong Buy, based on a StockRank of 85/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Jefferson Capital, Inc. in?
Jefferson Capital, Inc. (JCAP) operates in the Financial Services sector, specifically the Credit Services industry (United States).
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