JCAP · Jefferson Capital, Inc. / DE
$21.69
+0.47 (+2.21%)
At close · Aug 27
Market Cap
$1.25B
Shares
57.43M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$21.69
Open$21.06
Day$20.93–21.80
52W close$15.52–24.00
Avg vol 30d381K
Short int1.0M · 1.8% float · 2.0d
Short vol72%
Last earningsAug 13, 2026
DataJun 2025–Aug 2026
Filing10-Q · Aug 13
Up next
Next earnings call
Nov 12, 2026
Est · unconfirmed
· in 11 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 13, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Neutral
SellHoldBuy
Technical
Neutral
Momentum
Weak
Sentiment
Bullish
Fundamentals
Fair
Quant / Vol
Moderate
Market backdrop
VIX 14.5 · calm
Equity put/call 0.39
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+7%
above
Price vs 50-day avg
+8%
above
RSI (14)
54
neutral
MACD trend
Negative
52-week position
73%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+8%
trailing
6-month return
+1%
trailing
YTD return
−3%
this year
Relative strength
−13%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $20 › 200d $20 — 200d above 50d
Institutional flow
Accumulating
+5% holders QoQ · +28 funds added
Insider flow
Distributing
Net -$1.3M over 90 days · 100% sells
Short interest
Falling
1.75% of float · ▼ -17.0% MoM · 2.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
112 holders — near 1-yr high, broad support
Squeeze score
43
elevated · 0–100
Fundamentals
Revenue growth
+42%
Y/Y
Balance sheet
$1.7B
net debt
Quant / Vol
risk profile
Volatility
36%
annualized · 1-yr
Max drawdown
−34%
past year
ATR
3.5%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+7%
Bullish
Price vs 50-day avg
+8%
Bullish
RSI (14)
54
Neutral
MACD trend
Negative
Bearish
52-week position
73%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $20 › 200d $20 — 200d above 50d
Institutional flow
Accumulating
+5% holders QoQ · +28 funds added
Insider flow
Distributing
Net -$1.3M over 90 days · 100% sells
Short interest
Falling
1.75% of float · ▼ -17.0% MoM · 2.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
112 holders — near 1-yr high, broad support
Price context
position in its 52-week range
Range low $16
Now $22 · 73%
Range high $24
vs 200-day avg +7%
vs 50-day avg +8%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted Cash EBITDA non-GAAP | $226.2M | Three Months Ended June 30, 2026 filing | — |
| Adjusted EPS non-GAAP | $0.77 | Q2 2026 | — |
|
|
|||
| Adjusted Net Income non-GAAP | $47.3M | Q2 2026 | — |
|
|
|||
GAAP → non-GAAP reconciliationGAAP Net Income $41.3M
-$2.3M Foreign exchange and other income (expense)
+$8.3M Stock compensation
+$0M Merger and acquisition and initial public offering expenses
= Adjusted Net Income $47.3M
|
|||
| Adjusted Pre-tax Income non-GAAP | $59.3M | Q2 2026 | — |
|
|
|||
GAAP → non-GAAP reconciliationGAAP Pre-tax Income $53.3M
-$2.3M Foreign exchange and other income (expense)
+$8.3M Stock Compensation
+$0M Merger and acquisition and initial public offering expenses
= Adjusted Pre-tax Income $59.3M
|
|||
| Cash Efficiency Ratio non-GAAP | 72.2% | Q2 2026 | — |
|
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|||
| Collections | $300.9M | Q2 2026 | — |
|
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| Committed forward flows | $480.7M | As of June 30, 2026 | — |
| Deployments | $152.2M | Q2 2026 | — |
| Estimated Remaining Collections | 3.4B | Q2 2026 | — |
| Quarterly cash dividend per share | $0.24 | Q2 2026 | — |
| Total Deployments | 152.2M | Three Months Ended June 30, 2026 filing | — |
| Total Estimated Remaining Collections | 3.36B | Three Months Ended June 30, 2026 filing | — |
| Estimated Remaining Collections (ERC) | $3.4B | As of March 31, 2026 | — |
| Total Purchases (Deployments) | $149.7M | Three Months Ended March 31, 2026 | — |
|
|
|||
| Adjusted Operating Expenses non-GAAP | $74.4M | Three Months Ended December 31, 2025 | — |
GAAP → non-GAAP reconciliationGAAP Operating Expenses $83.6M
-$8.4M Stock compensation
-$0.4M Canaccede exit incentive
-$0.4M Merger and acquisition and initial public offering expenses
= Adjusted Operating Expenses $74.4M
|
|||
| Cash Receipts non-GAAP | $256.1M | Three Months Ended December 31, 2025 | — |
| Forward flow deployments locked in | $274.5M | December 31, 2025 | — |
| Forward flow deployments locked in for next twelve months | $224.8M | December 31, 2025 | — |
| Leverage non-GAAP | 1.82 | As of December 31, 2025 | — |
| Net Debt non-GAAP | $1.41B | As of December 31, 2025 | — |
| Total ERC | $3.38B | December 31, 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Credit Services — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
JCAP
this stock
Jefferson Capital, Inc. / DE
|
$1.25B | -2.9% | +41.5% | — | 1.8% |
|
V
Visa Inc.
|
$685.04B | +8.3% | -4.9% | — | 1.2% |
|
MA
Mastercard Inc
|
$522.63B | +3.7% | +16.4% | 32.8 | 0.8% |
|
AXP
American Express Co
|
$227.01B | -9.7% | +13.4% | 20.4 | 1.6% |
|
COF
Capital One Financial Corp
|
$134.81B | -10.6% | +36.6% | — | 1.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| JCAP | -2.9% | +8.1% | +1.5% | +7.9% | -2.9% |
| SPY | +1.1% | +4.0% | +14.7% | +3.2% | +13.1% |
| vs SPY | -4.0% | +4.2% | -13.2% | +4.6% | -16.0% |
Capital returns
Latest dividend
$0.24
/ share · ex Aug 24, 2026
Paid (TTM)
$0.96
/ share · 4 payouts
Dividend yield (TTM, derived)
4.43%
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
2046042
CUSIP
47248R103
13F (30d)
105 filings
104 filers
Visit website
Investor relations