What is the 13F Pro Quality Score for JCAP?

13F Pro ranks Jefferson Capital, Inc. / DE (JCAP) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View JCAP's current score at https://13fpro.ai/company/JCAP (free sign-up required for the full ranking).

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.

What sector is JCAP in?

Jefferson Capital, Inc. / DE (JCAP) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives JCAP's revenue?

Per Jefferson Capital, Inc. / DE's latest 10-Q filed with the SEC on 2026-08-13, the biggest revenue drivers are: United States ($128.5M, +15.9% YoY); Bluestem portfolio purchase ($11.0M); Canada ($20.5M, +7.0% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/JCAP.

What are JCAP's largest expenses?

Jefferson Capital, Inc. / DE's latest 10-Q reports these as the largest expense items: Servicing expenses ($64.8M, +49.0% YoY); Salaries and benefits ($21.9M, +247.6% YoY); Other selling, general and administrative ($4.8M, -4.0% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is JCAP research updated on 13F Pro?

JCAP's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Jefferson Capital, Inc. / DE(JCAP)Stock Analysis

AI analysis on 2,800+ stocks →Deep AI analysis on 2,800+ stocks →

Financials →Nasdaqsmall

Institutional-grade research for retail investors

SEC EDGAR: CIK 2046042 JCAP stock profile & AI dashboard →

13F Pro Quality Score

57.6/100

Rank #1,083 of 2,962 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

66.3/100

Profitability

77.4/100

Balance Sheet

80.9/100

Earnings Quality

64.4/100

Free Cash Flow

86.9/100

Institutional Flow

17.7/100

Revenue Scale

41.7/100

Dilution Risk

33.9/100

Email me the moment this company reports earnings

AI Research Report

Two-page plain-English analysis: business, thesis, and three scenarios for the next two years. Refreshed every quarter.

Upgrade to Pro

Pro: 5 reports/month · Pro+: unlimitedOpinion, not investment advice. Do your own research.

Why JCAP Scores 58/100

exact factor attribution · 2026-09-11

JCAP's composite is driven by free cash flow and profitability, held back by institutional flow and scale. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Free cash flow

+5.5 pts

87th pct

Profitability

+5.5 pts

77th pct

Revenue growth

+4.3 pts

66th pct

Capital efficiency

+4.1 pts

81th pct

Earnings quality

+1.4 pts

64th pct

Shareholder dilution

-1.1 pts

34th pct

Earnings growth

-1.5 pts

27th pct

Scale

-1.7 pts

42th pct

Institutional flow

-2.1 pts

18th pct

Latest change (2026-08-15): 75 → 72 · ↓ Profit margin 89→80; ↓ Earnings growth 39→16; despite ↑ Institutional flow 48→92

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

JCAP Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for Jefferson Capital, Inc. / DE (JCAP), 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. Jefferson Capital, Inc. / DE's 13F Pro composite quality score has ranged between 58 and 72 since 2026, currently 57.6 — a declining long-term trajectory across 19 quarterly and live scoring snapshots.

✦

Fun facts about Jefferson Capital, Inc. / DE

Quirks, history, and lore behind JCAP — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial services company · small-cap · listed on Nasdaq · headquartered in Minnesota.
2
The Numbers
Manages a multi-billion-dollar portfolio of consumer receivables and generates revenue primarily from interest income and fees on distressed debt.
3
The History
Founded in the early 2000s, it was built around the business of purchasing charged-off consumer debt — accounts banks and lenders have already written off as losses.
4
The Secret
Its entire model is buying bad debt for pennies on the dollar and then collecting more than it paid — making other people's financial misfortune its core product.
5
The Lore
Incorporated in Delaware but firmly planted in the upper Midwest, it's a quiet giant in the unglamorous but very profitable world of debt collection and credit recovery.
6
The Giveaway
Its name evokes a founding father and financial gravitas — trading as JCAP, this St. Cloud, MN firm turns charged-off accounts into shareholder returns.

▶ Think you know your stocks? Play the Daily Ticker

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

✓ 31/31 datapoints verified

AI-extracted from Jefferson Capital, Inc. / DE's 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 →Share on X

Revenue

Q2 2026

$177.5M

Net Income

Q2 2026

$41.3M

Operating Margin

Q2 2026

45.9%

ROIC

Q2 2026

68.4%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+41.5% YoY

$613.3MFY 2025

FY22 —FY23 $323.1MFY24 $433.3MFY25 $613.3M

Net Income

+45.8% YoY

$188.0MFY 2025

FY22 —FY23 $111.5MFY24 $128.9MFY25 $188.0M

Operating Income

+43.7% YoY

$316.5MFY 2025

FY22 —FY23 $164.1MFY24 $220.3MFY25 $316.5M

EPS (Diluted)

$5.64FY 2025

FY22 —FY23 —FY24 —FY25 $5.64

Total Assets

+26.2% YoY

$2.09BFY 2025

FY22 —FY23 —FY24 $1.65BFY25 $2.09B

Total Debt

$1.75BFY 2025

FY22 —FY23 —FY24 —FY25 $1.75B

Op. Cash Flow

+59.8% YoY

$268.8MFY 2025

FY22 —FY23 $120.2MFY24 $168.2MFY25 $268.8M

Metric	FY 2025	FY 2024	FY 2023	FY 2022
Revenue	$613.3M +41.5%	$433.3M +34.1%	$323.1M	—
Net Income	$188.0M +45.8%	$128.9M +15.6%	$111.5M	—
Operating Income	$316.5M +43.7%	$220.3M +34.3%	$164.1M	—
EPS (Diluted)	$5.64	—	—	—
Total Assets	$2.09B +26.2%	$1.65B	—	—
Total Debt	$1.75B	—	—	—
Operating Cash Flow	$268.8M +59.8%	$168.2M +39.9%	$120.2M	—

Get alerted when JCAP's score changes

Free account: watchlist tracking, the daily AI brief, and the AI screener.

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Available Research

13F Pro tracks comprehensive data for Jefferson Capital, Inc. / DE including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of JCAP

WELLINGTON MANAGEMENT GROUP LLP
$45.2M2,321,550 sh
ADAGE CAPITAL PARTNERS GP, L.L.C.
$36.2M1,857,858 sh
WILLIAM BLAIR INVESTMENT MANAGEMENT, LLC
$35.2M1,806,665 sh
PRINCIPAL FINANCIAL GROUP INC
$33.3M1,710,435 sh
BlackRock, Inc.
$33.1M1,697,836 sh
PUNCH & ASSOCIATES INVESTMENT MANAGEMENT, INC.
$28.2M1,446,818 sh
GOLDMAN SACHS GROUP INC
$18.7M958,811 sh
GEODE CAPITAL MANAGEMENT, LLC
$15.4M790,883 sh
VANGUARD CAPITAL MANAGEMENT LLC
$14.6M752,389 sh
Nantahala Capital Management, LLC
$14.6M750,000 sh

Fund	Value	Shares
WELLINGTON MANAGEMENT GROUP LLP	$45.2M	2,321,550
ADAGE CAPITAL PARTNERS GP, L.L.C.	$36.2M	1,857,858
WILLIAM BLAIR INVESTMENT MANAGEMENT, LLC	$35.2M	1,806,665
PRINCIPAL FINANCIAL GROUP INC	$33.3M	1,710,435
BlackRock, Inc.	$33.1M	1,697,836
PUNCH & ASSOCIATES INVESTMENT MANAGEMENT, INC.	$28.2M	1,446,818
GOLDMAN SACHS GROUP INC	$18.7M	958,811
GEODE CAPITAL MANAGEMENT, LLC	$15.4M	790,883
VANGUARD CAPITAL MANAGEMENT LLC	$14.6M	752,389
Nantahala Capital Management, LLC	$14.6M	750,000

Companies Similar to JCAP

Ranked by quality-profile closeness and shared hedge-fund ownership — not just sector membership.

CBC

Central Bancompany, Inc.

AI score

Similar quality profile · 3 shared holders

North Reef Capital Management LP MALTESE CAPITAL MANAGEMENT LLC Ghisallo Capital Management LLC

BWB

Bridgewater Bancshares Inc

AI score

Similar quality profile · 4 shared holders

PUNCH & ASSOCIATES INVESTMENT MANAGEMENT, INC.MALTESE CAPITAL MANAGEMENT LLC EJF Capital LLC

ABX

Abacus Global Management, Inc.

AI score

Similar quality profile · 2 shared holders

Alyeska Investment Group, L.P.VARCOV Co.

AMTB

Amerant Bancorp Inc.

AI score

Similar quality profile · 2 shared holders

North Reef Capital Management LP MALTESE CAPITAL MANAGEMENT LLC

USCB

USCB FINANCIAL HOLDINGS, INC.

AI score

Similar quality profile · 3 shared holders

MALTESE CAPITAL MANAGEMENT LLC Pacific Ridge Capital Partners, LLC Odyssean, LLC

GCMG

GCM Grosvenor Inc.

AI score

Similar quality profile · 3 shared holders

North Reef Capital Management LP WILLIAM BLAIR INVESTMENT MANAGEMENT, LLC VARCOV Co.

PGY

Pagaya Technologies Ltd.

AI score

Similar quality profile

TWFG

TWFG, Inc.

AI score

Similar quality profile · 1 shared holders

Alyeska Investment Group, L.P.

Similarity is computed from the 8 composite sub-scores and latest-quarter 13F conviction holdings (index-style filers excluded). Refreshed monthly.

More Financials Companies

View all Financials →

AAAU

Goldman Sachs Physical Gold ETF

AAC

Ares Acquisition Corp III

AACB

Artius II Acquisition Inc.

AACI

Armada Acquisition Corp. III

AACO

Abony Acquisition Corp. I

AACP

Apogee Acquisition Corp

AAME

ATLANTIC AMERICAN CORP

AAMI

Acadian Asset Management Inc.

Put JCAP on your watchlist

Track score changes the day Jefferson Capital, Inc. / DE files with the SEC, follow the hedge funds that own it, screen 2,800+ AI-scored stocks, and get the daily brief — free.

View Pricing

Free tier includes 13F data, economic indicators, and market overview. Pro starts at $6.67/mo (billed annually).

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Popular Research

AAPL

Apple

MSFT

Microsoft

NVDA

NVIDIA

GOOG

Alphabet

AMZN

Amazon

Is JCAP a good stock to buy?

13F Pro's AI-powered analysis of Jefferson Capital, Inc. / DE (JCAP) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for JCAP are available on the JCAP stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. JCAP is classified as a small company.

Which hedge funds own JCAP?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling JCAP. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Jefferson Capital, Inc. / DE's investment landscape.