JCAP · Jefferson Capital, Inc. / DE

Track JCAP — free

$19.14 +0.06 (+0.29%) At close · Oct 1

Russell 2000 member Rebalance outlook locked

Market Cap

$1.12B

57.43M

Volume · Oct 1 323.51K Avg daily vol (3M) 319.79K

Up next

Next earnings call

Nov 12, 2026 Est · unconfirmed · in 6 wks

Latest filing: 10-Q

filed Aug 13, 2026

Q4 2025 earnings call transcript

call held Mar 12, 2026

Metrics snapshot

Useful current figures from the complete screener profile.

View all 115 metrics

Revenue (TTM)

$659.62M

Trailing 12 months

Net income (TTM)

$155.02M

Trailing 12 months

Revenue growth YoY

+16.3%

Year over year

Operating margin

45.8%

Trailing 12 months

P / E (TTM)

7.2

Trailing earnings · reciprocal yield 13.9%

FCF yield

—

TTM · current market cap

Return on invested capital

—

Trailing 12 months

Net cash

—

Latest balance sheet

Dividend yield

—

Trailing 12 months

Shares change YoY

+1,852.8%

Year over year · more shares

Price change (1Y)

+10.5%

Trailing year

Short interest

1.8%

Latest settlement · 4.8 days to cover

View all 115 metrics

Equibles Rating

blended score · not investment advice

Overall

Sell

SellHoldBuy

Technical Sell Momentum Very Weak Sentiment Neutral Fundamentals Strong Quant / Vol Moderate

Market backdrop VIX 16.4 · calm Equity put/call 0.57

Technical

price trend

Sell

50 / 200-day cross No cross

Price vs 200-day avg −5%

below

Price vs 50-day avg −9%

below

RSI (14) 34

neutral

MACD trend Negative

52-week position 43%

mid-range

Volume (OBV) Confirms

volume backs price

Momentum

relative strength

Very Weak

1-month return −10%

trailing

6-month return −4%

trailing

YTD return −14%

this year

Relative strength −17%

vs S&P · 6-mo

Sentiment

smart money

Neutral

Trend (MA cross) No cross

50d $21 › 200d $20 — 50d above 200d

Institutional flow Accumulating

+5% holders QoQ · +27 funds added

Insider flow Distributing

Net -$1.3M over 90 days · 100% sells

Short interest Rising

1.82% of float · ▲ +6.9% MoM · 4.8 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

112 holders — near 1-yr high, broad support

Squeeze score 54

elevated · 0–100

Fundamentals

Strong

Revenue growth +42%

Y/Y

Valuation P/E 8.7

below peers

Balance sheet $1.7B

net debt

Quant / Vol

risk profile

Moderate

Volatility 36%

annualized · 1-yr

Max drawdown −34%

past year

ATR 3.3%

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 Sell

3 · 4 · 0

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

−5% Bearish

Price vs 50-day avg

−9% Bearish

RSI (14)

34 Neutral

MACD trend

Negative Bearish

52-week position

43% Neutral

Volume (OBV)

Confirms Neutral

Market signals — smart money & positioning

Mixed

Trend (MA cross) No cross

50d $21 › 200d $20 — 50d above 200d

Institutional flow Accumulating

+5% holders QoQ · +27 funds added

Insider flow Distributing

Net -$1.3M over 90 days · 100% sells

Short interest Rising

1.82% of float · ▲ +6.9% MoM · 4.8 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 $19 · 43% Range high $24

vs 200-day avg -5% vs 50-day avg -9%

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	$821.6M	Trailing Twelve Months Ended June 30, 2026	—
Adjusted EPS non-GAAP	$0.77	Three Months Ended June 30, 2026	—
Adjusted Net Income non-GAAP	$47.3M	Second Quarter 2026	—
Adjusted Operating Expenses non-GAAP	$87.1M	Three Months Ended June 30, 2026	—
Adjusted Pre-tax Income non-GAAP	$59.3M	Second Quarter 2026	—
Amount drawn under the RCF	$226M	As of June 30, 2026	—
Cash Efficiency Ratio	72.2%	Second Quarter 2026	—
Cash Receipts	$313.2M	Three Months Ended June 30, 2026	—
Collections	$300.9M	Second Quarter 2026	—
Collections - Canada	$35.3M	three months ended June 30, 2026 filing	—
Collections - Latin America	$18M	three months ended June 30, 2026 filing	—
Collections - United Kingdom	$12.2M	three months ended June 30, 2026 filing	—
Collections - United States	$235.4M	three months ended June 30, 2026 filing	—
Committed forward flows	$480.7M	As of June 30, 2026	—
Deployments	$152.2M	Second Quarter 2026	—
Deployments - Canada	$34.2M	three months ended June 30, 2026 filing	—
Deployments - Latin America	$18M	three months ended June 30, 2026 filing	—
Deployments - United Kingdom	$6.9M	three months ended June 30, 2026 filing	—
Deployments - United States	$93.1M	three months ended June 30, 2026 filing	—
Estimated Remaining Collections (ERC)	$3.4B	Second Quarter 2026	—
Estimated Remaining Collections (ERC) - Canada	$420.5M	three months ended June 30, 2026 filing	—
Estimated Remaining Collections (ERC) - Latin America	$324M	three months ended June 30, 2026 filing	—
Estimated Remaining Collections (ERC) - Total	$3.36B	three months ended June 30, 2026 filing	—
Estimated Remaining Collections (ERC) - United Kingdom	$197.2M	three months ended June 30, 2026 filing	—
Estimated Remaining Collections (ERC) - United States	$2.42B	three months ended June 30, 2026 filing	—
Leverage Ratio non-GAAP	1.71	As of June 30, 2026	—
Net Debt non-GAAP	$1.41B	As of June 30, 2026	—
GAAP → non-GAAP reconciliation GAAP Borrowings, as reported $1.41B +$20.1M Unamortized issuance costs -$20.4M Unrestricted cash = Net Debt $1.41B
Net operating income margin	75.9%	the three months ended June 30, 2026 filing	—
Revolving Credit Facility aggregate commitments	$1.15B	As of April 22, 2026	—

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

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
JCAP Jefferson Capital, Inc. / DE this stock	$1.12B	-14.3%	+41.5%	8.7	1.8%
V Visa Inc.	$655.56B	+2.6%	-4.9%	—	1.0%
MA Mastercard Inc	$497.27B	-3.4%	+16.4%	31.2	0.8%
AXP American Express Co	$206.24B	-17.8%	+13.4%	18.5	1.6%
COF Capital One Financial Corp	$119.78B	-20.3%	+36.6%	11.7	1.6%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders Accumulating

Holders

112

% held: 38.5%
Net QoQ: +287.5K sh
Top holder: WELLINGTON MANAGEMENT GRO…

Held Float

View

Held by Funds

Fund positions

126

View

Short & Settlement

Short Interest Rising

Shares short

1.0M

Days to cover: 4.8d
Change: +68.0K sh

View

Short Volume

Short vol %

61%

As of: Oct 1, 2026

Short Total

View

Fails to Deliver

FTD shares

759

Value: $16.4K
As of: Sep 10, 2026

View

Off-Exchange

Off-exchange %

38.2%

Week of: Aug 24, 2026

Off-exch Lit

View

Smart Money

Insider Trades Net selling

Net (90d)

-$1.3M

Buyers / Sellers: 0 / 2

Buyers Sellers

View

Financials

Revenue (FY)

$613.3M

Net income (FY): $188.0M
EPS diluted: $5.64

View

Filings

SEC Filings

Latest

8-K

Filed: Aug 21, 2026
This year: 13

View

Proposed Sales

Value

$5.4K

Shares: 246
Filed: Aug 25, 2026

View

Earnings & Events

Webcasts

Last webcast

Aug 13, 2026

View

Performance

	5D	20D	120D	MTD	YTD
JCAP	-2.1%	-9.5%	-4.4%	+0.3%	-14.4%
SPY	-0.4%	-0.2%	+12.4%	+0.2%	+12.0%
vs SPY	-1.7%	-9.4%	-16.8%	+0.1%	-26.4%

Key facts CIK 2046042 CUSIP 47248R103 13F (30d) 3 filings 3 filers Visit website Investor relations

JCAP · Jefferson Capital, Inc. / DE

Price & Indicators

Up next

Metrics snapshot

Equibles Rating

Technicals

Key metrics

Versus peers

At a glance

Performance