NASDAQ : JCAP

Jefferson Capital, Inc. — Financial statements

Financials · Credit Services · United States

Last price 19.72 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 1.13B

Overview · Financial statements · Key statistics · Dividends · Company profile · Price history · Reports

Financial statements

Jefferson Capital, Inc. (JCAP) reported revenue of 642.73M USD (TTM). Five years of income statement, balance sheet, cash flow and ratios below.

Income statement

Fiscal year January - December; amounts in USD.

TTMFY2025FY2024FY2023
Revenue642.73M607.29M433.76M336.03M
Cost of Revenue159.66M132.80M98.89M101.70M
Gross Profit483.06M474.49M334.87M234.33M
Selling, General & Admin107.59M90.18M69.08M51.43M
Other Operating Expenses-16.89M-6.00M419.00K12.96M
Operating Expenses97.46M91.79M75.60M70.28M
Operating Income385.61M382.69M259.27M164.05M
Interest Expense-116.02M-105.78M-77.24M-48.11M
Currency Exchange Gain (Loss)7.82M7.72M-5.47M4.64M
EBT Excluding Unusual Items277.41M284.64M176.55M120.58M
Merger & Restructuring Charges-11.80M-11.80M-7.00M
Legal Settlements-71.60M-54.40M-32.00M
Pretax Income194.01M218.44M137.55M120.58M
Income Tax Expense39.00M30.47M8.66M9.04M
Earnings From Continuing Operations155.02M187.97M128.89M111.54M
Minority Interest in Earnings-20.00K
Net Income155.02M187.97M128.89M111.52M
Preferred Dividends & Other Adjustments26.55M18.59M
Net Income to Common128.47M169.38M128.89M111.52M
Shares Outstanding (Basic)57.15M30.02M
Shares Outstanding (Diluted)57.15M30.02M
EPS (Basic)2.255.64
EPS (Diluted)2.255.64
Free Cash Flow220.06M267.73M162.00M118.99M
Free Cash Flow Per Share3.858.92
Dividend Per Share0.480.48
Gross Margin75.16%78.13%77.20%69.74%
Operating Margin59.99%63.02%59.77%48.82%
Profit Margin19.99%27.89%29.72%33.19%
Free Cash Flow Margin34.24%44.09%37.35%35.41%
EBITDA389.72M387.95M261.88M166.42M
EBITDA Margin60.64%63.88%60.37%49.53%
D&A For EBITDA4.12M5.25M2.61M2.37M
EBIT385.61M382.69M259.27M164.05M
EBIT Margin59.99%63.02%59.77%48.82%
Effective Tax Rate20.10%13.95%6.30%7.50%
Revenue as Reported659.62M613.29M433.34M323.07M

Balance sheet

Fiscal year January - December; amounts in USD.

TTMFY2025FY2024FY2023
Cash & Equivalents20.41M23.23M35.51M14.37M
Cash & Short-Term Investments20.41M23.23M35.51M14.37M
Receivables1.98B1.96B1.53B1.00B
Prepaid Expenses22.51M
Restricted Cash5.64M24.32M2.74M6.23M
Total Current Assets2.00B2.00B1.57B1.05B
Property, Plant & Equipment1.71M5.35M6.72M4.03M
Goodwill57.76M58.01M57.68M57.17M
Other Intangible Assets5.25M6.54M10.24M6.52M
Other Long-Term Assets14.28M12.62M9.94M
Total Assets2.08B2.09B1.65B1.12B
Accounts Payable73.28M95.21M69.97M36.48M
Current Portion of Long-Term Debt300.00M300.00M
Current Portion of Leases1.28M
Current Income Taxes Payable1.07M855.00K
Total Current Liabilities374.36M397.34M69.97M36.48M
Long-Term Debt1.11B1.11B1.19B770.93M
Long-Term Leases3.78M2.90M4.86M4.38M
Long-Term Deferred Tax Liabilities123.69M101.96M2.19M
Total Liabilities1.61B1.61B1.27B811.78M
Common Stock6.00K6.00K28.80M
Retained Earnings513.06M522.63M398.12M276.43M
Comprehensive Income & Other-36.87M-46.50M-15.59M-1.64M
Shareholders' Equity476.19M476.13M382.53M303.59M
Total Liabilities & Equity2.08B2.09B1.65B1.12B
Total Debt1.41B1.41B1.20B775.30M
Net Cash (Debt)-1.39B-1.39B-1.16B-760.93M
Net Cash Per Share-24.31-46.31
Filing Date Shares Outstanding57.43M55.33M
Total Common Shares Outstanding57.44M58.30M
Working Capital1.63B1.61B1.50B1.01B
Book Value Per Share8.298.17
Tangible Book Value413.18M411.58M314.61M239.90M
Tangible Book Value Per Share7.197.06

Cash flow statement

Fiscal year January - December; amounts in USD.

TTMFY2025FY2024FY2023
Net Income155.02M187.97M128.89M111.52M
Depreciation & Amortization4.12M5.25M2.61M2.37M
Other Amortization7.07M6.22M4.25M2.91M
Stock-Based Compensation34.08M17.22M
Provision & Write-off of Bad Debts2.64M2.36M3.50M3.52M
Other Operating Activities14.90M21.46M-527.00K-734.00K
Change in Accounts Receivable3.02M4.59M-7.33M17.86M
Change in Accounts Payable-2.80M25.48M37.25M9.00M
Change in Other Net Operating Assets3.09M-1.75M-435.00K-26.23M
Operating Cash Flow221.14M268.81M168.21M120.22M
Capital Expenditures-1.08M-1.08M-6.21M-1.23M
Cash Acquisitions-5.60M
Other Investing Activities-338.13M-399.81M-534.58M-393.47M
Investing Cash Flow-340.98M-401.94M-542.37M-403.41M
Long-Term Debt Issued1.19B1.08B654.73M
Long-Term Debt Repaid-969.29M-650.40M-328.41M
Net Debt Issued (Repaid)226.24M218.50M432.09M326.32M
Issuance of Common Stock10.00M
Common Dividends Paid-60.62M-63.45M-36.00M-30.56M
Other Financing Activities-8.68M-15.35M-7.27M-5.90M
Financing Cash Flow98.02M149.70M388.82M289.86M
Foreign Exchange Rate Adjustments-7.63M-7.26M2.98M-1.22M
Net Cash Flow-29.45M9.31M17.64M5.45M
Free Cash Flow220.06M267.73M162.00M118.99M
Free Cash Flow Margin34.24%44.09%37.35%35.41%
Free Cash Flow Per Share3.858.92
Levered Free Cash Flow-127.63M-220.65M-348.50M
Unlevered Free Cash Flow-62.18M-160.76M-304.48M
Cash Interest Paid109.68M95.52M58.12M45.11M
Cash Income Tax Paid7.96M8.43M8.67M9.04M
Change in Working Capital3.32M28.32M29.49M627.00K

Ratios

Fiscal year January - December; amounts in USD.

TTMFY2025FY2024FY2023
Market Capitalization1.18B1.30B
Enterprise Value2.56B2.45B
Last Close Price19.7221.52
PE Ratio9.117.69
Forward PE6.808.07
PS Ratio1.762.14
PB Ratio2.382.73
P/TBV Ratio2.743.16
P/FCF Ratio5.154.86
P/OCF Ratio5.124.84
EV/Sales Ratio3.924.03
EV/EBITDA Ratio6.476.31
EV/EBIT Ratio6.546.39
EV/FCF Ratio11.469.14
Debt / Equity Ratio2.962.973.142.55
Debt / EBITDA Ratio3.603.624.554.62
Debt / FCF Ratio6.415.287.416.52
Net Debt / Equity Ratio2.922.923.042.51
Net Debt / EBITDA Ratio3.563.584.454.57
Net Debt / FCF Ratio6.315.197.196.39
Asset Turnover0.330.330.31
Quick Ratio5.344.9822.3927.93
Current Ratio5.365.0522.4328.72
Return on Equity (ROE)34.95%43.78%37.57%
Return on Assets (ROA)12.52%12.78%11.70%
Return on Invested Capital (ROIC)16.57%19.30%18.61%14.26%
Return on Capital Employed (ROCE)22.60%22.60%16.40%15.20%
Earnings Yield10.98%14.43%
FCF Yield19.43%20.56%
Dividend Yield4.71%2.15%
Payout Ratio42.70%33.76%27.93%27.41%
Total Shareholder Return6.79%2.15%