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

268.81M

Operating Cash Flow

60%

3Y-2072.0%

5Y-7628.0%

10Y-8945.0%

-401.94M

Investing Cash Flow

-26%

3Y+25.0%

5Y+248.0%

10Y+241.0%

149.70M

Financing Cash Flow

-61%

3Y-3687.0%

5Y+106.0%

10Y+41.0%

Jefferson Capital, Inc. Common Stock Cash Conversion Engine

JCAP · NASDAQ

FCF Components

Net Income187.97M

Depreciation & Amortization5.25M

Stock-Based Compensation17.22M

Change in Working Capital28.32M

Others8.58M

Capital Expenditures-1.08M

Free Cash Flow267.73M

Cash Flow Quality Analysis

FCF Conversion Rate

142.4%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

0.4%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+65.3%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

+$28.32M

Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

Jefferson Capital, Inc. Common Stock Cash Flow Statement

JCAP • NASDAQ

Jefferson Capital, Inc. Common Stock Cash Flow Statement	Jun 2025	Dec 2024	Dec 2023	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015
OPERATING ACTIVITIES
Net Income	188M	128.9M	111.5M	44.4M	54.4M	14.6M	16M	-2.9M
Depreciation & Amortization	5.3M	6.9M	5.3M	6.3M	3.5M	534K	112K	21K
Change in Deferred Taxes	21.5M	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Stock-Based Compensation	17.2M	0.0	0.0	2.1M	1.9M	1.3M	1.1M	305K
Other Non-Cash Items	8.6M	11.2M	3.5M	-64.5M	-67.1M	-21M	-22.5M	-1.6M
Cash Taxes Paid	(0.0)	(8.7M)	(9M)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)
Change in Working Capital	28.3M	21.2M	-127K	-2M	1M	997K	-178K	1.2M
Cash from Operating Activities	268.8M	168.2M	120.2M	-13.6M	-6.3M	-3.6M	-5.5M	-3M
INVESTING ACTIVITIES
Investments in Property, Plant, and Equipment	-1.1M	-939K	-1.2M	-166.6M	-275M	-155.5M	-45.1M	-64.9M
Acquisitions, Net	(0.0)	(0.0)	-5.6M	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)
Purchase of Investments	(0.0)	(0.0)	(0.0)	-156.1M	-1.8M	(0.0)	-429K	-58.9M
Sale/Maturity of Investments	0.0	0.0	0.0	362K	33M	27.5M	15M	6M
Other Investing Items	-400.9M	-541.4M	-396.6M	1M	2M	12.5M	30.5M	117.8M
Cash from Investing Activities	-401.9M	-542.4M	-403.4M	-321.3M	-241.7M	-115.5M	-43.4M	-117.8M
FINANCING ACTIVITIES
Net Issuance of Common Stock	10M	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Net Issuance of Debt	218.5M	432.1M	326.3M	0.0	0.0	0.0	0.0	0.0
Cash Paid for Dividends	-63.5M	-36M	-30.6M	-41.7M	-30.6M	-17M	-8.5M	-4.3M
Share Repurchases	(0.0)	(0.0)	(0.0)	-572K	-333K	-177K	-3.2M	(0.0)
Other Financing Items	-15.3M	-7.3M	-5.9M	37.6M	65.6M	89.6M	44.7M	110.4M
Cash from Financing Activities	149.7M	388.8M	289.9M	-4.2M	35M	72.7M	36.2M	106.1M
CASH FLOW SUMMARY
Effect of Foreign Exchange Rates	-7.3M	3M	-1.2M	333.7M	174.8M	26.1M	36.2M	58.6M
Net Change in Cash	9.3M	17.6M	5.4M	-5.4M	-38.3M	-20.4M	23.5M	43.9M
Cash at Beginning of Period	38.2M	20.6M	15.2M	8.7M	47M	67.4M	43.9M	1K
Cash at End of Period	47.6M	38.2M	20.6M	3.3M	8.7M	47M	67.4M	43.9M
Free Cash Flow	267.7M	162M	119M	-180.2M	-281.3M	-159.1M	-50.6M	-67.9M

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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