JCAP · Jefferson Capital, Inc. / De - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Price · JCAP
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q4 '23 | Q4 '22 |
|---|---|---|---|---|---|---|
| Revenue | $176.44M | - | $110.60M | $103.80M | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | $95.63M | - | $80.24M | $47.67M | - | - |
| D&A | $1.61M | - | $548.0K | $559.0K | - | - |
| Operating Income | $80.19M | - | $70.04M | $86.64M | - | - |
| Interest Expense | $28.93M | - | $24.95M | $17.11M | - | - |
| Income Tax | $13.42M | - | $7.15M | $1.90M | - | - |
| Net Income | $64.23M | - | $36.88M | $47.65M | - | - |
| EPS - Basic | $0.61 | - | $0.59 | $18.61 | - | - |
| EPS - Diluted | $0.61 | - | $0.59 | $16.76 | - | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q4 '23 | Q4 '22 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $26.25M | $23.23M | $18.30M | $51.65M | $14.37M | - |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $2.08B | $2.09B | $1.80B | $1.65B | - | - |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | $1.75B | - | - | - | - |
| Total Liabilities | $1.64B | $1.61B | $1.37B | $1.36B | - | - |
| Stockholders' Equity | $442.88M | $476.13M | $437.37M | $410.81M | - | $214.77M |
| Retained Earnings | $486.55M | $522.63M | $500.41M | $477.58M | - | - |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q4 '23 | Q4 '22 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $51.68M | - | - | - | - | - |
| Investing Cash Flow | ($56.23M) | - | - | - | - | - |
| Financing Cash Flow | ($463.0K) | - | - | - | - | - |
| CapEx | - | - | - | - | - | - |
| Free Cash Flow | - | - | - | - | - | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q4 '23 | Q4 '22 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 45.4% | - | 63.3% | 83.5% | - | - |
| EBITDA margin | 46.4% | - | 63.8% | 84.0% | - | - |
| Net margin | 36.4% | - | 33.3% | 45.9% | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | - | - | - | - | - | - |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 17.3% | - | 16.2% | 3.8% | - | - |
| Return on assets | 3.1% | - | 2.0% | 2.9% | - | - |
| Return on equity | 14.5% | - | 8.4% | 11.6% | - | - |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | 3.68 | - | - | - | - |
| Debt / Assets | - | 0.84 | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | 2.8x | - | 2.8x | 5.1x | - | - |
| Equity multiplier | 4.71 | 4.38 | 4.12 | 4.03 | - | - |
| Liabilities / Assets | 0.79 | 0.77 | 0.76 | 0.82 | - | - |
| Efficiency | ||||||
| Asset turnover | 0.08 | - | 0.06 | 0.06 | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 31.5x | - | 29.3x | 1.1x | - | - |
| P / B | 2.4x | - | 2.3x | 0.1x | - | - |
| P / S | 6.1x | - | 9.1x | 0.5x | - | - |
| EV / EBITDA | 12.7x | - | 14.0x | 0.0x | - | - |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | - | - | - | - | - | - |
| Net income growth (YoY) | - | - | - | - | - | - |
| EPS growth (YoY) | - | - | - | - | - | - |
| EPS CAGR (3y) | - | - | - | - | - | - |
| EPS CAGR (5y) | - | - | - | - | - | - |
| FCF growth (YoY) | - | - | - | - | - | - |
| FCF CAGR (5y) | - | - | - | - | - | - |
| Book value growth (YoY) | - | - | - | - | - | - |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Business segments
$613.29M totalUnited States Segment$450.34M · 73.4%
Canada Segment$71.80M · 11.7%
United Kingdom Segment$50.74M · 8.3%
Latin America Segment$40.41M · 6.6%
Peer comparison
Same SIC group: Short-Term Business Credit Institutions
Comparing Jefferson Capital against the 5 most active filers in the same SIC group.
Dividends
$0.96/share trailing 12 months
| Ex-date | Per share |
|---|---|
| May 26, 2026 | $0.2400 |
| Mar 24, 2026 | $0.2400 |
| Nov 25, 2025 | $0.2400 |
| Aug 25, 2025 | $0.2400 |