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Financials · JCAP

Jefferson Capital Inc. (JCAP) financials

For the twelve months ended Jun 30, 2026, Jefferson Capital Inc. reported $659.62M of revenue and $155.02M of net income.

Revenue, TTM
$659.62M
Revenue growth, YoY
+22.8%
Net income, TTM
$155.02M
Net income growth, YoY
-11.8%
Net margin
23.5%
Cash
$20.41M
Total debt
$1.41B
P/E
7.35
P/S
1.73
Market cap
$1.14B
Annual revenue$613.29M
FY2023FY2025
Annual net income$187.97M
FY2023FY2025

JCAP revenue and earnings growth

JCAP revenueQ2 2026$177.54M

Quarter YoY
+16.3%
QoQ
+0.6%
FY YoY
+41.5%

JCAP revenue was $177.54M in fiscal Q2 2026 (ended Jun 30, 2026), up 16.3% from a year earlier and up 0.6% from the prior quarter. For the full fiscal 2025 it was $613.29M, up 41.5% from fiscal 2024.

JCAP net incomeQ2 2026$41.30M

Quarter YoY
-13.3%
QoQ
+9.7%
FY YoY
+45.8%

JCAP net income was $41.30M in fiscal Q2 2026 (ended Jun 30, 2026), down 13.3% from a year earlier and up 9.7% from the prior quarter. For the full fiscal 2025 it was $187.97M, up 45.8% from fiscal 2024.

JCAP EPSQ2 2026$0.67

QoQ
+9.8%

JCAP diluted EPS was $0.67 in fiscal Q2 2026 (ended Jun 30, 2026), up 9.8% from the prior quarter. For the full fiscal 2025 it was $5.64.

JCAP free cash flowQ3 2025$62.97M

Quarter YoY
+729.7%

JCAP free cash flow was $62.97M in fiscal Q3 2025 (ended Sep 30, 2025), up 729.7% from a year earlier.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
Revenue$613.29M$433.34M$323.07M
Operating income$316.50M$220.27M$164.05M
Interest expense$105.78M$77.24M$48.11M
Pre-tax income$218.44M$137.55M$120.58M
Income tax$30.47M$8.66M$9.04M
Net income$187.97M$128.89M$111.52M
EPS, basic$5.64--
EPS, diluted$5.64--
Diluted shares30.0M--

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
Cash and equivalents$23.23M$35.51M$14.37M
Goodwill$58.01M$57.68M$57.17M
Total assets$2.09B$1.65B-
Total debt$1.41B$1.19B-
Total liabilities$1.61B$1.27B-
Shareholders' equity$476.13M$382.53M$303.59M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
Operating cash flow$268.81M$168.21M$120.22M
Investing cash flow-$401.94M-$542.37M-$403.41M
Financing cash flow$149.70M$388.82M$289.86M
Dividends paid$63.45M$36.00M$30.56M
Stock-based compensation$17.22M$0-
Depreciation and amortization$5.25M$2.61M$2.37M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
Revenue growth, YoY41.5%34.1%-
Net income growth, YoY45.8%15.6%-
Operating margin51.6%50.8%50.8%
Net margin30.6%29.7%34.5%
Return on equity39.5%33.7%36.7%
Return on assets9.0%7.8%-
Debt to equity2.963.12-

Source: XBRL data Jefferson Capital Inc. files with the SEC, latest filing dated Aug 13, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

JCAP peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
JCAP$659.62M+22.8%$155.02M23.5%$1.14B
ECPG$1.99B+27.2%$350.91M17.7%$2.38B
AGM$466.89M+16.1%$238.21M51.0%$1.96B

JCAP FAQ

6 questions
  • What is JCAP revenue?
    Jefferson Capital Inc. (JCAP) reported $659.62M of revenue for the twelve months ended Jun 30, 2026. That is up 22.8% from the year before. Revenue for fiscal 2025 was $613.29M.
  • Is JCAP profitable?
    Yes. Jefferson Capital Inc. earned $155.02M in net income for the twelve months ended Jun 30, 2026, a net margin of 23.5%.
  • How much cash and debt does JCAP have?
    Jefferson Capital Inc. reported $20.41M in cash and cash equivalents and $1.41B of debt on its most recent balance sheet in SEC filings.
  • How fast is JCAP revenue growing?
    Jefferson Capital Inc.'s revenue changed +41.5% in fiscal 2025, to $613.29M.
  • When did JCAP last report financial results?
    The latest statements here come from Jefferson Capital Inc.'s 10-Q filed on Aug 13, 2026, covering the period ended Jun 30, 2026.
  • Where does this JCAP financial data come from?
    Quantisnow builds these statements from the structured XBRL data Jefferson Capital Inc. files with the SEC. It is provided for information only and is not investment advice.