Jefferson Capital, Inc. / DE(JCAP)— Stock Profile, AI Score & Financials
Financials · Nasdaq · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
Jefferson Capital, Inc. / DE (JCAP) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores JCAP at 57.6/100 on a 32-signal composite quality model, placing it at rank #1,083 of 2,962 stocks — the top half of the AI-ranked universe. JCAP scores in the top quartile across free cash flow (86.9), balance sheet strength (80.9), profitability (77.4). Areas of concern include institutional flow (17.7), which score below median versus the broader universe. Shareholder dilution risk is elevated at 33.9/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), Jefferson Capital, Inc. / DE reports quarterly revenue of $177.5M, net income of $41.3M, an operating margin of 45.9%. Top institutional holders of JCAP by reported 13-F value include WELLINGTON MANAGEMENT GROUP LLP, ADAGE CAPITAL PARTNERS GP, L.L.C., WILLIAM BLAIR INVESTMENT MANAGEMENT, based on the most recent SEC filings. JCAP trades on the Nasdaq exchange and files with the SEC under CIK 2046042. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate JCAP daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Jefferson Capital, Inc. / DE directly from SEC EDGAR.
AI Quality Score
57.6/100
AI Rank
#1,083
Revenue
$177.5M
Net Income
$41.3M
Operating Margin
45.9%
JCAP key financials by period
Jefferson Capital, Inc. / DE reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$613.3M
$188.0M
51.6%
FY 2024
10-K
$433.3M
$128.9M
50.8%
FY 2023
10-K
$323.1M
$111.5M
50.8%
Institutions holding JCAP
Institutional investors reporting a position in Jefferson Capital, Inc. / DE on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-08-13 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Revenue rose 16.2% YoY to $177.5M on higher deployments, but net operating income margin compressed to 45.9% from 56.7% as stock-based compensation swings and higher court/collection costs outpaced growth.
Biggest Revenue Drivers
United States$128.5M+15.9% YoY
Portfolio revenue grew on deployment growth, including the Bluestem portfolio purchase
Canada$20.5M+7.0% YoY
Higher deployments and strong collection performance
Biggest Revenue Drivers
Total revenue: $177.5M+16.2% YoY
United States$128.5M+15.9% YoY
Portfolio revenue grew on deployment growth, including the Bluestem portfolio purchase
Within United States
Bluestem portfolio purchase$11.0M
December 2025 credit card asset acquisition; no comparable revenue in prior-year quarter
Canada$20.5M+7.0% YoY
Higher deployments and strong collection performance
United Kingdom$16.6M+21.2% YoY
Higher deployment volumes and increased third-party servicing
Latin America$11.8M+31.5% YoY
Increase in deployments
Largest Expense Items
Servicing expenses$64.8M+49.0% YoY
Increased court costs ($9.3M, incurred upfront at outset of consumer litigation) and higher agency/legal commissions ($6.5M)
Salaries and benefits$21.9M+247.6% YoY
$8.3M stock-based compensation from IPO restricted stock amortization plus reversal of prior $8.3M Class B unit compensation accrual
Other selling, general and administrative$4.8M-4.0% YoY
Lower rent expense related to the Conn's portfolio purchase
Professional fees$3.1M-67.0% YoY
Prior-year period included one-time legal and professional fees from the June 2025 IPO
Margins: Net operating income margin fell to 45.9% from 56.7% a year ago as total operating expenses grew 45.6% YoY, outpacing 16.2% revenue growth, driven by stock-based compensation swings and higher servicing/court costs.
Watch Items from the Filing
$300.0 million of 6.000% senior notes due 2026 mature August 15, 2026, two days after this filing's signature date.
Top five clients accounted for 40.7% of six-month deployments, with the single largest client representing 9.5% (down from 12.3% a year earlier).
Salaries and benefits rose 247.6% YoY, driven by an $8.3M stock-based comp charge plus reversal of a prior $8.3M Class B unit accrual — a one-time distortion, not a run-rate signal.
Revolving Credit Facility was expanded to $1.15 billion in April 2026, leaving $855.4 million available as of June 30, 2026.
Company repurchased $58.9 million of common stock in connection with a January 2026 follow-on equity offering that reduced JCF Stockholders' ownership from 67.6% to 53.1%.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
