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Equiscale · Syntellia LLC
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.
Rule-based from financial data. Not advice.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $613M | $222M | $188M | $268M | 39.5% | 41.5% | 45.8% |
| 2024 | $433M | $150M | $129M | $162M | 33.7% | 34.1% | 15.6% |
| 2023 | $323M | $121M | $112M | $119M | 40.6% | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Revenue | 323.07 | 433.34 | 613.29 |
| Operating Revenue | 323.07 | 433.34 | 613.29 |
| Cost Of Revenue | 183.42 | 121.10 | 164.14 |
| Gross Profit | 139.65 | 312.24 | 449.14 |
| Operating Expense | 20.80 | 164.97 | 232.21 |
| Selling General And Administration | 14.90 | 104.67 | 147.40 |
| Total Expenses | 204.22 | 286.07 | 396.35 |
| Operating Income | 118.85 | 147.27 | 216.94 |
| Total Operating Income As Reported | 164.05 | 220.27 | 316.50 |
| EBITDA | 121.23 | 149.88 | 222.19 |
| Normalized EBITDA | 116.58 | 155.35 | 214.46 |
| EBIT | 118.85 | 147.27 | 216.94 |
| Net Interest Income | -2.91 | -4.25 | -6.22 |
| Other Income Expense | 4.64 | -5.47 | 7.72 |
| Net Non Operating Interest Income Expense | -2.91 | -4.25 | -6.22 |
| Pretax Income | 120.58 | 137.55 | 218.44 |
| Tax Provision | 9.04 | 8.66 | 30.47 |
| Tax Rate For Calcs | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | 0.35 | -0.34 | 1.07 |
| Net Income Continuous Operations | 111.54 | 128.89 | 187.96 |
| Net Income From Continuing And Discontinued Operation | 111.52 | 128.89 | 187.96 |
| Net Income From Continuing Operation Net Minority Interest | 111.52 | 128.89 | 187.96 |
| Net Income | 111.52 | 128.89 | 187.96 |
| Net Income Common Stockholders | 111.52 | 128.89 | 187.96 |
| Net Income Including Noncontrolling Interests | 111.54 | 128.89 | 187.96 |
| Normalized Income | 107.23 | 134.02 | 181.31 |
| Diluted NI Availto Com Stockholders | 111.52 | 128.89 | 187.96 |
| Basic Average Shares | 58.27 | 58.27 | 30.02 |
| Diluted Average Shares | 58.27 | 58.27 | 30.02 |
| Reconciled Depreciation | 2.37 | 2.61 | 5.25 |
| Reconciled Cost Of Revenue | 183.42 | 121.10 | 164.14 |
| Total Unusual Items | 4.64 | -5.47 | 7.72 |
| Total Unusual Items Excluding Goodwill | 4.64 | -5.47 | 7.72 |
| Minority Interests | -0.02 | 0 | 0 |
| Special Income Charges | 0 | -7.70 | - |
| Gain On Sale Of Business | 0 | -7.70 | - |
| Gain On Sale Of Security | 4.64 | -5.47 | 7.72 |
| Depreciation Amortization Depletion Income Statement | 2.37 | 2.61 | 5.25 |
| Depreciation And Amortization In Income Statement | 2.37 | 2.61 | 5.25 |
| General And Administrative Expense | 14.90 | 104.67 | 147.40 |
| Other Gand A | 14.90 | 104.67 | 147.40 |
| Total Other Finance Cost | 2.91 | 4.25 | 6.22 |
| Other Operating Expenses | 39.40 | 54.20 | 77.20 |
| Provision For Doubtful Accounts | 3.52 | 3.50 | 2.36 |
| Selling And Marketing Expense | 8.07 | 8.80 | - |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Jefferson Capital, Inc.this co. | JCAP | $889M | 4.73↓ discount | 1.87 | 39.5% | 10.24 |
| TrustCo Bank Corp NY | TRST | $920M | 15.05 | 1.34 | 8.9% | - |
| CNB Financial Corporation | CCNE | $918M | 13.89 | 1.13 | 8.1% | - |
| Mercantile Bank Corporation | MBWM | $909M | 10.24 | 1.25 | 12.2% | - |
| Central Pacific Financial Corp. | CPF |
| $908M |
| 11.72 |
| 1.53 |
| 13.1% |
| - |
| Hanmi Financial Corporation | HAFC | $907M | 11.92 | 1.14 | 9.6% | - |
| Ridgepost Capital, Inc | RPC | $891M | 45.70 | 2.54 | 5.6% | 14.81 |
| Amerant Bancorp Inc. | AMTB | $887M | 16.92 | 0.94 | 5.6% | - |
| NB Bancorp, Inc. | NBBK | $873M | 17.35 | 1.02 | 5.9% | - |
| Peer Median | - | 14.47 | 1.20 | 8.5% | 14.81 | |
Year-to-date return is calculated by dividing each day’s closing price by the price on January 1st of that year (or the asset’s first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen — at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in “Average from”, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.
Historically, Jun has averaged the highest return (+14.6%); May the lowest (-18.1%).
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -4.3%Negative MonthJan 2026: -4.34% | -3.5%Negative MonthFeb 2026: -3.46% | -6.8%Negative MonthMar 2026: -6.79% | +7.9%Positive MonthApr 2026: +7.85% | -18.1%Negative MonthMay 2026: -18.08% | +14.6%Positive MonthJun 2026: +14.60% | +3.3%Positive MonthJul 2026: +3.29% | +16.4%*Positive MonthAug 2026: +16.41% | — | — | — | — |
| 2025 | — | — | — | — | — | — | -8.6%Negative MonthJul 2025: -8.56% | +11.5%Positive MonthAug 2025: +11.50% | -8.2%Negative MonthSep 2025: -8.24% | +9.4%Positive MonthOct 2025: +9.39% | +11.1%Positive MonthNov 2025: +11.07% | +6.5%Positive MonthDec 2025: +6.53% |
| Avg±SD |
Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation — the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.
This aggregates every month by calendar position — all Januaries together, all Februaries together, and so on — to show whether a given month has leaned positive or negative historically. ‘Simple’ counts each month as +1 or −1. ‘Weighted’ gives larger moves more influence: +2 above +10%, −2 below −10%. With only 2 years of history for this asset, each month’s score reflects a small number of observations — read it as a historical tendency, not a reliable seasonal pattern.
This tracks a running tally across the asset’s full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.
