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Jefferson Capital, Inc. (JCAP)

Financial Services | Credit Services | Minneapolis, United States | NasdaqGS
18.87 USD +0.02 (0.106%) ⇧ (July 13, 2026, 4 p.m. EDT)
After hours: 18.87
Short-term:★★⯪☆☆Long-term:★★⯪☆☆Dividends:★★★☆☆
Hot Take ↕ | July 11, 2026, 3:21 a.m. EDT

The stock presents a classic value trap scenario where attractive metrics mask severe operational deterioration. While the trailing P/E of 3.6 and a massive 5.2% dividend yield look compelling on paper, the underlying business is failing: quarterly earnings have plummeted by 41%, free cash flow is negative at -$135 million, and the company is burning through cash reserves while debt sits at $1.4 billion. The recent price action confirms this distress; despite a brief bounce, the stock has trended lower over the last two months, trading well below its 200-day average. The 'buy' recommendation from analysts appears disconnected from the reality of collapsing profitability and negative cash generation. Regarding the income aspect, the 5.2% yield is likely unsustainable given the negative free cash flow and the fact that the payout ratio exceeds 100% relative to operating cash flow, suggesting the dividend may be at risk of being cut soon. For the long term, the lack of multi-year price history combined with deteriorating fundamentals makes it impossible to assign a higher rating, as the market has already priced in the business quality issues.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoETS ✓0.152341
AutoARIMA0.152869
AutoTheta0.153867
MSTL0.155458

Forecast horizon: 45 days | Selected: AutoETS

Forecast Reliability
Score 45%
H-stat 3.28
Ljung-Box p 0.000
Jarque-Bera p 0.221
Excess Kurtosis -1.15
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-05-25
Last Dividend Date 2026-05-25
Debt to Equity Ratio 324.519
Revenue per Share 11.294
Market Cap 1,162,648,192
Trailing P/E 3.66
Forward P/E 6.49
Profit Margins 25.80%
Website https://www.jcap.com

Dividend Data

Dividend History
Date Dividend Yield %
2026-05-26 0.24 1.388086
2026-03-24 0.24 1.243523
2025-11-25 0.24 1.136902
2025-08-25 0.24 1.232033
Additional Data
dividendRate 0.96
dividendYield 5.09
exDividendDate 2026-05-26
trailingAnnualDividendRate 0.72
trailingAnnualDividendYield 0.038196288
lastDividendValue 0.24
lastDividendDate 2026-05-26
dividendDate 2026-06-04

Info Dump

Attribute Value
52 Week Change 0.1173681
Address1 600 South Highway 169
Address2 Suite 1575
All Time High 23.8
All Time Low 15.5
Ask 24.2
Ask Size 2
Audit Risk 6
Average Analyst Rating 1.6 - Buy
Average Daily Volume10 Day 373,700
Average Daily Volume3 Month 290,659
Average Volume 290,659
Average Volume10Days 373,700
Bid 13.84
Bid Size 2
Board Risk 10
Book Value 7.998
City Minneapolis
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 8
Country United States
Crypto Tradeable 0
Currency USD
Current Price 18.87
Current Ratio 5.13
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 19.45
Day Low 18.635
Debt To Equity 324.519
Dividend Date 1,780,531,200
Dividend Rate 0.96
Dividend Yield 5.09
Earnings Call Timestamp End 1,778,792,400
Earnings Call Timestamp Start 1,778,792,400
Earnings Quarterly Growth -0.414
Earnings Timestamp 1,778,788,800
Earnings Timestamp End 1,786,564,800
Earnings Timestamp Start 1,786,564,800
Ebitda 378,132,000
Ebitda Margins 0.60467
Enterprise To Ebitda 6.497
Enterprise To Revenue 3.929
Enterprise Value 2,456,709,376
Eps Current Year 2.8675
Eps Forward 2.9075
Eps Trailing Twelve Months 5.15
Esg Populated 0
Ex Dividend Date 1,779,753,600
Exchange NMS
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 18.0266
Fifty Day Average Change 0.84340096
Fifty Day Average Change Percent 0.04678647
Fifty Two Week Change Percent 11.736811
Fifty Two Week High 23.8
Fifty Two Week High Change -4.9299984
Fifty Two Week High Change Percent -0.2071428
Fifty Two Week Low 15.5
Fifty Two Week Low Change 3.3700008
Fifty Two Week Low Change Percent 0.21741942
Fifty Two Week Range 15.5 - 23.8
Financial Currency USD
First Trade Date Milliseconds 1,750,944,600,000
Float Shares 14,708,615
Forward Eps 2.9075
Forward P E 6.490112
Free Cashflow -134,906,624
Full Exchange Name NasdaqGS
Full Time Employees 1,178
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.7512
Gross Profits 469,760,000
Has Pre Post Market Data 1
Held Percent Insiders 0.092659995
Held Percent Institutions 0.98822
Implied Shares Outstanding 61,613,573
Industry Credit Services
Industry Disp Credit Services
Industry Key credit-services
Ipo Expected Date 2,025-06-26
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,779,753,600
Last Dividend Value 0.24
Last Fiscal Year End 1,767,139,200
Long Business Summary Jefferson Capital, Inc. provides debt recovery solutions and other related services in the United States, the United Kingdom, Canada, and Latin America. It 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. The company offers consumer receivables, including credit card, secured and unsecured automotive, utilities, telecom, and other receivables. It 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 Minneapolis, Minnesota.
Long Name Jefferson Capital, Inc.
Market us_market
Market Cap 1,162,648,192
Market State POSTPOST
Max Age 86,400
Message Board Id finmb_118953816
Most Recent Quarter 1,774,915,200
Net Income To Common 138,944,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 1,162,031,986
Number Of Analyst Opinions 5
Open 18.91
Operating Cashflow 256,772,992
Operating Margins 0.4734
Overall Risk 9
Payout Ratio 0.1399
Phone 320 229 8505
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 18.87
Post Market Time 1,783,981,118
Previous Close 18.85
Price Eps Current Year 6.580645
Price Hint 2
Price To Book 2.35934
Price To Sales Trailing12 Months 1.859202
Profit Margins 0.25805
Quick Ratio 5.08
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 1.6
Region US
Regular Market Change 0.0200005
Regular Market Change Percent 0.106103
Regular Market Day High 19.45
Regular Market Day Low 18.635
Regular Market Day Range 18.635 - 19.45
Regular Market Open 18.91
Regular Market Previous Close 18.85
Regular Market Price 18.87
Regular Market Time 1,783,972,801
Regular Market Volume 380,397
Return On Assets 0.12291
Return On Equity 0.36778998
Revenue Growth 0.119
Revenue Per Share 11.294
Sand P52 Week Change 0.20847368
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 7
Shares Outstanding 61,613,573
Shares Percent Shares Out 0.0191
Shares Short 1,179,820
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 1,022,743
Short Name Jefferson Capital, Inc.
Short Percent Of Float 0.0497
Short Ratio 3.2
Source Interval 15
State MN
Symbol JCAP
Target High Price 29.0
Target Low Price 21.0
Target Mean Price 26.0
Target Median Price 26.0
Total Cash 26,249,000
Total Cash Per Share 0.474
Total Debt 1,437,212,032
Total Revenue 625,347,968
Tradeable 0
Trailing Annual Dividend Rate 0.72
Trailing Annual Dividend Yield 0.038196288
Trailing Eps 5.15
Trailing P E 3.6640778
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 19.866026
Two Hundred Day Average Change -0.9960251
Two Hundred Day Average Change Percent -0.050137106
Type Disp Equity
Volume 380,397
Website https://www.jcap.com
Zip 55,426