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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 3 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 | 2025 |
|---|---|
| Total Revenue | 613.29 |
| Operating Revenue | 613.29 |
| Cost Of Revenue | 164.14 |
| Gross Profit | 449.14 |
| Operating Expense | 232.21 |
| Selling General And Administration | 147.40 |
| Total Expenses | 396.35 |
| Operating Income | 216.94 |
| Total Operating Income As Reported | 316.50 |
| EBITDA | 222.19 |
| Normalized EBITDA | 214.46 |
| EBIT | 216.94 |
| Net Interest Income | -6.22 |
| Other Income Expense | 7.72 |
| Net Non Operating Interest Income Expense | -6.22 |
| Pretax Income | 218.44 |
| Tax Provision | 30.47 |
| Tax Rate For Calcs | 0 |
| Tax Effect Of Unusual Items | 1.07 |
| Net Income Continuous Operations | 187.96 |
| Net Income From Continuing And Discontinued Operation | 187.96 |
| Net Income From Continuing Operation Net Minority Interest | 187.96 |
| Net Income | 187.96 |
| Net Income Common Stockholders | 187.96 |
| Net Income Including Noncontrolling Interests | 187.96 |
| Normalized Income | 181.31 |
| Diluted NI Availto Com Stockholders | 187.96 |
| Basic Average Shares | 30.02 |
| Diluted Average Shares | 30.02 |
| Reconciled Depreciation | 5.25 |
| Reconciled Cost Of Revenue | 164.14 |
| Total Unusual Items | 7.72 |
| Total Unusual Items Excluding Goodwill | 7.72 |
| Minority Interests | 0 |
| Special Income Charges | - |
| Gain On Sale Of Business | - |
| Gain On Sale Of Security | 7.72 |
| Depreciation Amortization Depletion Income Statement | 5.25 |
| Depreciation And Amortization In Income Statement | 5.25 |
| General And Administrative Expense | 147.40 |
| Other Gand A | 147.40 |
| Total Other Finance Cost | 6.22 |
| Other Operating Expenses | 77.20 |
| Provision For Doubtful Accounts | 2.36 |
| Selling And Marketing Expense | - |
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 | |