JCAP · Jefferson Capital, Inc. · Financials
Income-statement, balance-sheet and cash-flow figures from SEC filings, plus a debt profile anchored in the latest 10-K and updated by each 10-Q and debt exhibit.
Chart any reported metric, KPI or segment over time — the full statement history lives here
| Line Item | TTM | FY2025 | FY2024 | FY2023 |
|---|---|---|---|---|
| $659.62M | $613.29M | $433.34M | $323.07M | |
| — | $3.83M | $1.28M | $200K | |
| $4.11M | $5.25M | $2.61M | $2.37M | |
| $354.77M | $294.43M | $209.58M | $155.5M | |
| $302.21M | $316.5M | $220.27M | $164.05M | |
| — | 51.61% | 50.83% | 50.78% | |
| $306.32M | $321.75M | $222.88M | $166.42M | |
| $116.09M | $105.78M | $77.24M | $48.11M | |
| -$108.19M | -$98.06M | -$82.71M | -$43.47M | |
| $194.01M | $218.44M | $137.55M | $120.58M | |
| $39M | $30.47M | $8.66M | $9.05M | |
| $155.02M | $187.97M | $128.89M | $111.52M | |
| — | 30.65% | 29.74% | 34.52% | |
| — | — | — | $20K | |
| $128.48M | $169.38M | $128.89M | $111.52M | |
| $148.11M | $206.6M | $114.94M | $119.78M | |
| USD/shares | — | $5.64 | — | — |
| USD/shares | — | $5.64 | — | — |
| shares | — | 30.02M | — | — |
| shares | — | 30.02M | — | — |
Capital Returned to Shareholders
Cash spent on share repurchases and dividends per fiscal year, as reported on the cash-flow statement. Across FY2023–FY2025: $130.02M in dividends.
Debt Profile
Reported borrowing balances, repayment dates and agreement terms, with links to the underlying filings.
Reported debt balances
Each amount keeps its reported scope. Related balance-sheet measures appear under the borrowing they describe.
| Reported balance | As of | Amount | Source |
|---|---|---|---|
| Notes payable, including current maturities | 2026-06-30 | USD 1,405,794,000 | 10-Q filed 2026-08-13 |
Covenants
Covenant terms have not yet been verified for this profile.
The balance figures do not establish whether covenants apply or whether the company complies with them.
Loans, facilities and notes
The instrument breakdown is not yet verified. Read the debt note in the linked report for borrowing terms and maturity conditions.
Price & Valuation
Multiples computed on the strict TTM/EV methodology — today's snapshot against peers, and each ratio recomputed as of past filing dates.
Valuation
Peer medians compare against the 28 similar-size Credit Services companies (of 45 listed).
EV/Adj. EBITDA uses the company-stated “Adjusted Cash EBITDA”, extracted from the reconciliation in its SEC filings — the company's own non-GAAP definition, not an XBRL-tagged figure.
Valuation over time computed as of each quarter's filing date
EV/Adj. EBITDA uses the company-stated “Adjusted Cash EBITDA”, extracted from the reconciliation in its SEC filings as it existed at each sample date — the company's own non-GAAP definition, not an XBRL-tagged figure. Each point's tooltip names its TTM or fiscal-year basis.
Revenue Breakdown
Annual revenue as the company disaggregates it in its own XBRL filings. Years a component wasn't reported show a dash.
Share mode is each component's slice of the reported components that year — issuers rarely tag every revenue dollar, so slices need not sum to total revenue.
By Segment (USD)
| Component | FY2025 | FY2024 | FY2023 |
|---|---|---|---|
| United States Segment | $450,341,000 | $295,699,000 | $214,122,000 |
| Canada Segment | $71,795,000 | $54,155,000 | $50,770,000 |
| United Kingdom Segment | $50,743,000 | $52,292,000 | $40,658,000 |
| Latin America Segment | $40,410,000 | $31,195,000 | $17,522,000 |
Segment Operating Income
Annual operating income by business segment, as tagged in the company's own XBRL filings. Segments need not sum to the consolidated figure — corporate costs and eliminations are typically unallocated.
By Segment (USD)
| Component | FY2025 | FY2024 | FY2023 |
|---|---|---|---|
| United States Segment | $228,137,000 | $147,010,000 | $112,596,000 |
| Canada Segment | $52,651,000 | $34,527,000 | $32,654,000 |
| Latin America Segment | $23,959,000 | $19,361,000 | $7,243,000 |
| United Kingdom Segment | $11,748,000 | $19,369,000 | $11,558,000 |
Operating Margin by Segment (%)
| Component | FY2025 | FY2024 | FY2023 |
|---|---|---|---|
| United States Segment | 50.7% | 49.7% | 52.6% |
| Canada Segment | 73.3% | 63.8% | 64.3% |
| United Kingdom Segment | 23.2% | 37% | 28.4% |
| Latin America Segment | 59.3% | 62.1% | 41.3% |