JCAP - NASDAQ

Jefferson Capital, Inc. Common Stock

JCAP·NASDAQ

$15.52

-5.4%

Financial ServicesFinancial - Credit Services

Jefferson Capital, Inc. provides debt recovery solutions and other related services in the United States, the United Kingdom, Canada, and Latin America. The company primarily purchases portfolios of previously charged-off consumer receivables at deep discounts to face value and manage them by working with individuals as they repay their obligations and work toward financial recovery. It offers consumer receivables, including credit card, secured and unsecured automotive, telecom and utilities, and other receivables. The company also provides debt servicing and other portfolio management services to credit originators for nonperforming loans. Jefferson Capital, Inc. was founded in 2002 and is headquartered in Sartell, Minnesota.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$860.09M

EPS6.2600

P/E Ratio2.48

Earnings Date06/03/2026

2.09B

Assets

26%

3Y+157.0%

5Y+563.0%

10Y+1880.0%

1.61B

Total Liabilities

27%

3Y+620.0%

5Y+18180.0%

10Y+43887.0%

476.13M

Total Equity

24%

3Y-19.0%

5Y+56.0%

10Y+370.0%

Jefferson Capital, Inc. Common Stock Funding & Solvency Profile

JCAP · NASDAQ

Current Assets

Cash & Cash Equivalents47.55M

Net Receivables1.96B

Inventory0.00

Other Current Assets-1.95B

Total Current Assets60 M

Non-Current Assets

Property, Plant & Equipment5.35M

Goodwill & Intangible Assets64.56M

Long-Term Investments1.95B

Other Non-Current Assets12.62M

Total Non-Current Assets2 B

Total Assets

2.09B

Financial Health Analysis

Current Ratio

0.20x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

3.38x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-240204000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

3% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Jefferson Capital, Inc. Common Stock Balance Sheet

JCAP • NASDAQ

Jefferson Capital, Inc. Common Stock Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	47.6M	35.5M	14.4M	3.3M	8.7M	47M	67.4M	43.9M
Cash & Short-Term Investments	47.6M	35.5M	14.4M	3.3M	8.7M	47M	67.4M	43.9M
Net Receivables	2B	1.5B	1B	4.7M	4.8M	7.3M	21.7M	19.6M
Accounts Receivables	28.6M	17.2M	20M	4.7M	0.0	0.0	0.0	0.0
Other Receivables	1.9B	1.5B	984.5M	0.0	0.0	0.0	0.0	0.0
Inventory	0.0	0.0	0.0	0.0	96.2M	0.0	0.0	0.0
Other Current Assets	-1.9B	2.7M	6.2M	8.7M	-92.5M	776K	868K	1.5M
Total Current Assets	59.8M	1.6B	1B	16.6M	17.3M	55M	89.9M	64.9M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	5.4M	0.0	0.0	203K	233K	182K	199K	261K
Goodwill	58M	57.7M	57.2M	0.0	0.0	0.0	0.0	0.0
Intangible Assets	6.5M	10.2M	6.5M	0.0	3.6M	0.0	0.0	0.0
Goodwill & Intangible Assets	64.6M	67.9M	63.7M	0.0	3.6M	0.0	0.0	0.0
Long-Term Investments	1.9B	0.0	0.0	11.2M	14.2M	13.9M	5.4M	0.0
Tax Assets	0.0	0.0	0.0	4.2M	4.6M	0.0	0.0	0.0
Other Non-Current Assets	12.6M	33.2M	26.5M	780.5M	550.6M	245.6M	97.3M	40.2M
Total Non-Current Assets	2B	101.1M	90.2M	796.1M	573.2M	259.6M	102.9M	40.5M
Total Assets	2.1B	1.7B	1.1B	812.8M	590.4M	314.6M	192.8M	105.4M
LIABILITIES
CURRENT LIABILITIES
Total Payables	96.1M	0.0	0.0	4.8M	2.4M	1.1M	697K	808K
Accounts Payable	95.2M	0.0	0.0	4.8M	2.4M	1.1M	697K	808K
Other Payables	855K	0.0	0.0	0.0	0.0	0.0	-697K	-808K
Short Term Debt	300M	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Liabilities	-96.1M	77M	40.9M	16.3M	15.5M	7M	5.1M	2.9M
Total Current Liabilities	300M	77M	40.9M	21.1M	17.9M	8.1M	5.8M	3.7M
NON-CURRENT LIABILITIES
Long Term Debt	1.4B	1.2B	770.9M	202.8M	24.6M	718K	18.6M	0.0
Deferred Tax Liabilities (Non-Current)	102M	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Non-Current Liabilities	-203.9M	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Non-Current Liabilities	1.3B	1.2B	770.9M	202.8M	24.6M	718K	18.6M	0.0
Capital Lease Obligations	4.2M	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	1.6B	1.3B	811.8M	223.9M	42.5M	8.8M	24.4M	3.7M
SHAREHOLDERS' EQUITY
Common Stock	6K	0.0	0.0	224K	204K	144K	90K	62K
Additional Paid-In Capital	-49.5M	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Retained Earnings	522.6M	398.1M	276.4M	-5M	1.7M	-8.9M	-3.8M	-9.4M
Accumulated Other Comprehensive Income/Loss	3M	-15.6M	-1.6M	0.0	0.0	0.0	0.0	0.0
Other Total Stockholders' Equity	0.0	0.0	0.0	593.7M	545.9M	314.6M	172.1M	110.6M
Total Stockholders' Equity	476.1M	382.5M	274.8M	588.9M	547.9M	305.8M	168.4M	101.3M
Total Equity	476.1M	382.5M	274.8M	588.9M	547.9M	305.8M	168.4M	101.3M
SUMMARY
Total Liabilities & Equity	2.1B	1.7B	1.1B	812.8M	590.4M	314.6M	192.8M	105M
Total Investments	1.9B	0.0	0.0	11.2M	14.2M	13.9M	5.4M	0.0
Total Debt	1.7B	1.2B	770.9M	202.8M	24.6M	718K	18.6M	0.0
Net Debt	1.7B	1.2B	756.6M	199.5M	15.9M	-46.3M	-48.8M	-43.9M
Shares Outstanding	58,296,839	58,296,839	58,296,839	58,296,839	58,296,839	58,296,839	58,296,839	58,296,839

SEC Filings

JCAP - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 14, 2026	May 14, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 14, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 23, 2026	April 22, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 21, 2026	June 05, 2026	2026	View Filing
8-K 8-K 2026 N/A	March 18, 2026	March 18, 2026	2026	View Filing
8-K 8-K 2026 N/A	March 17, 2026	March 11, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 13, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	March 12, 2026	March 12, 2026	2026	View Filing
S-1 S-1 N/A	January 05, 2026	January 05, 2026		View Filing
8-K 8-K 2025 N/A	December 05, 2025	December 04, 2025	2025	View Filing

Showing 1 to 10 of 19 filings

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