JCAP is the ticker symbol for Jefferson Capital, Inc. / DE, a publicly traded Financials sector company listed on Nasdaq. 13F Pro tracks JCAP with AI-powered analysis, an AI quality score, SEC EDGAR financials, insider transactions, and institutional 13F holdings — all sourced directly from public SEC filings.

Is JCAP a good stock to buy?

13F Pro's AI ranking engine scores JCAP at 60.3/100, ranked #869 of 2,925 stocks on a composite quality score built from its SEC filings, covering profitability, growth, balance sheet strength, and free cash flow. The full AI verdict and bull/bear case for JCAP is available at https://13fpro.ai/company/JCAP. Not investment advice — review the underlying SEC filings before making any trade.

Where does 13F Pro source JCAP data?

All Jefferson Capital, Inc. / DE fundamentals and ownership data come directly from SEC EDGAR. Jefferson Capital, Inc. / DE files with the SEC under CIK 2046042. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

Jefferson Capital, Inc. / DE JCAP

NasdaqSmall CapFinancials

13F Pro quality score

Rank #869 of 2,925TOP 50%

Why it scores 60 Financials peers →

Rankings refresh quarterly once 80% of peers have filed. Next update: ~Nov 14, 2026.

Revenue

$177.54M

Quarter to Jun 30

Net income

$41.30M

Quarter to Jun 30

Operating margin

45.9%

Quarter to Jun 30

Top Institutional Holders

as of Q2 2026

$430.40M total

WELLINGTON MANAGEMENT GROUP LLP

$45.20M-29.0%

ADAGE CAPITAL PARTNERS GP, L.L.C.

$36.17M+5.4%

WILLIAM BLAIR INVESTMENT MANAGEMENT, LLC

$35.18M+15.8%

PRINCIPAL FINANCIAL GROUP INC

$33.30M+11.3%

BlackRock, Inc.

$33.06M+20.8%

PUNCH & ASSOCIATES INVESTMENT MANAGEMENT, INC.

$28.17M+29.7%

GOLDMAN SACHS GROUP INC

$18.67M-15.3%

GEODE CAPITAL MANAGEMENT, LLC

$15.40M+14.4%

VANGUARD CAPITAL MANAGEMENT LLC

$14.65M-28.8%

Nantahala Capital Management, LLC

$14.60M0.0%

CITADEL ADVISORS LLC

$12.21M+6.7%

UBS Group AG

$11.35M+128.6%

North Reef Capital Management LP

$10.33M-0.3%

STATE STREET CORP

$9.20M+28.8%

AMERICAN CENTURY COMPANIES INC

$8.90M+52.8%

MILLENNIUM MANAGEMENT LLC

$8.09M+2.8%

STATE OF WISCONSIN INVESTMENT BOARD

$6.60M-9.5%

Clearbridge Investments, LLC

$6.40M-0.5%

Philadelphia Financial Management of San Francisco, LLC

$6.17MNew

MORGAN STANLEY

$5.97M+11.3%

NORTHERN TRUST CORP

$5.10M+66.9%

Alyeska Investment Group, L.P.

$5.03M+4.6%

MALTESE CAPITAL MANAGEMENT LLC

$4.51M-29.8%

VANGUARD PORTFOLIO MANAGEMENT LLC

$3.67M+16.6%

FRANKLIN RESOURCES INC

$3.20M-17.2%

See all 113 institutional holders →

What's Driving JCAP's Business? Latest 10-Q Breakdown

31/31 datapoints verified

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.

Read the full 10-Q on SEC EDGAR →

Key Metrics

Revenue

Q2 2026

EDGAR

Net Income

Q2 2026

EDGAR

EPS (Diluted)

Q2 2026

EDGAR

Operating Margin

Q2 2026

EDGAR

ROIC

Q2 2026

EDGAR

Financial Trends

Revenue & Net Income

13fpro.ai/company/JCAP

Earnings Per Share

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Jefferson Capital, Inc. / DE reported revenue, net income and margins by fiscal period, from SEC filings.
Period	Form	Revenue	Net income	Op. marginOperating 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%

About Jefferson Capital, Inc. / DE (JCAP): stock profile, AI score and financials

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 60.3/100 on a composite quality score built from its SEC filings, placing it at rank #869 of 2,925 stocks — the top half of the AI-ranked universe. JCAP scores in the top quartile across free cash flow (87.5), balance sheet strength (80.8), profitability (77.1). Areas of concern include institutional flow (16.5), which score below median versus the broader universe. Shareholder dilution risk is elevated at 33.0/100, 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.

Financials through the period ended Jun 30, 2026SEC EDGAR: CIK 2046042 →

Jefferson Capital, Inc. / DE JCAP

Top Institutional Holders

What's Driving JCAP's Business? Latest 10-Q Breakdown

Biggest Revenue Drivers

Biggest Revenue Drivers

Largest Expense Items

Watch Items from the Filing

Key Metrics

Financial Trends

Revenue & Net Income

Earnings Per Share

JCAP key financials by period

JCAP insiders

About Jefferson Capital, Inc. / DE (JCAP): stock profile, AI score and financials

Jefferson Capital, Inc. / DE JCAP

Top Institutional Holders

What's Driving JCAP's Business? Latest 10-Q Breakdown

Biggest Revenue Drivers

Key Metrics

Financial Trends

Revenue & Net Income

Earnings Per Share

JCAP key financials by period

Companies similar to JCAP

JCAP insiders

About Jefferson Capital, Inc. / DE (JCAP): stock profile, AI score and financials