JCAPNasdaqShort-Term Business Credit InstitutionsFiscal year ends December 31
Jefferson Capital, Inc. / DE
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 13, 2026
$20.31−0.22 (-1.07%)
Close on Oct 19, 2026
- Market cap
- $1.13B
- P/E (TTM)
- 8.3
- Dividend yield
- 4.83%
Margins
Share of revenue, fiscal years 2023 to 2025
Operating margin
51.6%
Net margin
30.6%
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +41.5% | – | – | – | |
| Operating income | +43.7% | – | – | – | |
| Net income | +45.8% | – | – | – |
Returns and balance sheet
3 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2023 | FY2023 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | – | 43.8% | |
| Interest coverage | 3.4× | 3.4× | 3.0× |
Cash use needs five years of cash flow figures
Jefferson Capital, Inc. / DE does not report operating cash flow and capital expenditure for each of the last five fiscal years.
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin30.6%
×Asset turnover0.33×
×Equity multiplier4.36×
=Return on equity, FY202543.8%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 30.6% | 0.33× | 4.36× | 43.8% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
3of 3 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$187.97M
- Cash generatingOperating cash flow above zero$268.81M
- Return on assets improvedROA up on the prior year– → 11.4%
- Earnings backed by cashOperating cash flow above net income$268.81M vs $187.97M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise– → 30M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose– → 0.37