What is Jefferson Capital, Inc.'s (JCAP) StockRank?

MoatMap's StockRank for Jefferson Capital, Inc. (JCAP) is 47/100, with a Hold signal. This is a composite score combining Quality (66), Value (58), and Momentum (14) factor ranks across MoatMap's 19,000+ stock universe.

Does Jefferson Capital, Inc. have an economic moat?

Jefferson Capital, Inc. (JCAP) has a Quality factor score of 66/100. 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 financial characteristics of a moated business.

Is Jefferson Capital, Inc. a buy, hold, or sell?

MoatMap's current signal for Jefferson Capital, Inc. (JCAP) is Hold, based on a StockRank of 47/100. 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).

Company Deep Dive

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JCAP

HOLDREMOVE

Jefferson Capital, Inc. · Financial Services · United States · $950M · Avg Vol: $4M/d

StockRank

P/E (TTM)

3.2x

ROE

36.8%

D/E

3.2x

Dividend %

4.4%

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

Jefferson Capital is a financial services firm. It lacks a clear competitive moat and does not align with any of our high-conviction macro themes.

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

Year	2023	2024	2025	CAGR
Revenue	323M	433M	613M	37.8%
EPS	1.91	2.21	—	15.6%
Shares	58M	58M	58M	+0.1%
Debt	771M	1.2B	1.4B	35.2%
Equity	275M	383M	476M	31.6%
Op CF	120M	168M	269M	49.5%
Inv CF	-403M	-542M	-402M	—
Fin CF	290M	389M	150M	—

PRICE (1M)-21.6%

SMA 50SMA 200

$16.36

RSI (14)

41.9

52W High

$23.18

From 52W High

0.7%

SCORE BREAKDOWN

Quality

ROIC

12.3%89.5

ROE

36.8%96.2

GP/Assets

22.5%86.7

Op. Margin

47.3%69.7

FCF/Assets

-6.5%10.7

Piotroski

—67.9

Int. Cover

—N/A

D/E Ratio

3.25x9.9

Current Ratio

5.13x78.2

Value

P/E (TTM)

3.2x96.8

EV/EBITDA

6.1x58.8

P/FCF

—N/A

P/B

2.0x20.7

P/S

1.4x79.6

Div Yield

4.4%68.6

Momentum

52W High %

71%16.4

RS 6M

-29%13.6

SMA 50/200

0.96x22.8

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

-44%5.6

Q Growth

-41%8.4

FUNDAMENTALS

Market Cap

$950M

P/E (Forward)

5.6x

Gross Margin

75.1%

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)	$950M	47	HOLD
GDOT	Green Dot Corporation	$733M	41	HOLD
AGM-A	Federal Agricultural Mortgage Corporation	$1.5B	51	HOLD
PRAA	PRA Group, Inc.	$588M	38	HOLD
WRLD	World Acceptance Corporation	$727M	63	HOLD
CPSS	Consumer Portfolio Services, Inc.	$214M	54	HOLD
MFIN	Medallion Financial Corp.	$231M	56	HOLD
NAVI	Navient Corporation	$781M	13	STRONG SELL
LPRO	Open Lending Corporation	$271M	32	SELL
OMF	OneMain Holdings, Inc.	$6.2B	43	HOLD

Peer medians: ROE 10.8% · P/E 13.6x · Gross margin 0.0%

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

Jefferson Capital, Inc. (JCAP) has a MoatMap StockRank of 47/100 based on Quality (66/100), Value (58/100), and Momentum (14/100) factor scores. The current signal is HOLD. Jefferson Capital is a financial services firm. It lacks a clear competitive moat and does not align with any of our high-conviction macro themes.

Key Financial Metrics

Price	$16.36
Market Cap	$950M
P/E (TTM)	3.18
P/E (Forward)	5.63
Price/Book	2.05
Return on Equity	36.8%
Return on Invested Capital	12.3%
Debt/Equity	324.52
Gross Margin	75.1%
Operating Margin	47.3%
Revenue Growth	11.9%
Dividend Yield	4.4%
Free Cash Flow	$-135M

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 47/100, with a Hold signal. It is a composite of Quality (66), Value (58), and Momentum (14) factor ranks across MoatMap’s 19,000+ stock universe.
Does Jefferson Capital, Inc. have an economic moat?: Jefferson Capital, Inc. (JCAP) has a Quality factor score of 66/100. 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 Hold, based on a StockRank of 47/100. 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).