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/research/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.

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

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13F Pro Quality Score

46.6/100

Rank #1,642 of 2,879 stocks

View Financials peers →

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

Revenue Growth

94.5/100

Profitability

30.0/100

Balance Sheet

30.0/100

Earnings Quality

31.0/100

Free Cash Flow

30.0/100

Institutional Flow

97.5/100

Revenue Scale

30.0/100

Dilution Risk

34.9/100

JCAP Stock Analysis & AI Quality Score

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 46.6/100 on a 32-signal composite quality model, placing it at rank #1,642 of 2,879 stocks — the bottom half of the AI-ranked universe. JCAP scores in the top quartile across institutional flow (97.5), revenue growth (94.5). Areas of concern include profitability (30.0) and balance sheet strength (30.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 34.9/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), Jefferson Capital, Inc. / DE reports quarterly revenue of $176.4M, net income of $37.6M, an operating margin of 45.5%. 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.

✦

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.

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Revenue

Q1 2026

$176.4M

Net Income

Q1 2026

$37.6M

Free Cash Flow

Q1 2026

$39.6M

Operating Margin

Q1 2026

45.5%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+89.8% YoY

$613.3MFY 2025

FY22 —FY23 $323.1MFY25 $613.3M

Net Income

+68.5% YoY

$188.0MFY 2025

FY22 —FY23 $111.5MFY25 $188.0M

Operating Income

+92.9% YoY

$316.5MFY 2025

FY22 —FY23 $164.1MFY25 $316.5M

EPS (Diluted)

$5.64FY 2025

FY22 —FY23 —FY25 $5.64

Total Assets

$2.09BFY 2025

FY22 —FY23 —FY25 $2.09B

Total Debt

$1.75BFY 2025

FY22 —FY23 —FY25 $1.75B

Op. Cash Flow

+123.6% YoY

$268.8MFY 2025

FY22 —FY23 $120.2MFY25 $268.8M

Metric	FY 2025	FY 2023	FY 2022
Revenue	$613.3M +89.8%	$323.1M	—
Net Income	$188.0M +68.5%	$111.5M	—
Operating Income	$316.5M +92.9%	$164.1M	—
EPS (Diluted)	$5.64	—	—
Total Assets	$2.09B	—	—
Total Debt	$1.75B	—	—
Operating Cash Flow	$268.8M +123.6%	$120.2M	—

AI Insight: JCAP Financial Trends

Revenue accelerated to $176M in Q1 2026 while operating income expanded, but operating cash flow collapsed 47% sequentially.

• Revenue grew 16% from Q3 2025 ($151M) to Q1 2026 ($176M), with operating income rising to $80M.

• Net income held steady at $38M across Q3 2025, Q4 2025, and Q1 2026 despite revenue gains.

• Operating cash flow declined sharply from $75M in Q4 2025 to $40M in Q1 2026.

⚠ Operating cash flow fell 47% Q4–Q1 despite higher operating income—potential working capital pressure or timing issue.

⚠ Debt of $1,754M reported in Q4 2025; equity fluctuated $411M–$476M across periods—leverage visibility limited.

AI Insight: JCAP Ratio Trends

ROIC volatility masks deteriorating profitability: net margin compressed 410bp from Q3 2025 to Q1 2026 despite stable operating margin.

• Operating margin held steady at 45.5–46.4% across Q3 2025–Q1 2026, signaling stable underwriting discipline.

• Net profit margin fell from 25.4% (Q3 2025) to 21.3% (Q1 2026)—largest quarterly drop, suggesting rising non-operating expenses or tax headwinds.

• ROA declined to 7.2% in Q4 2025 and remained flat into Q1 2026, below Q3 2025's 8.5%.

⚠ ROIC swung wildly: 64.0% (Q3 2025) → 12.7% (Q4 2025) → 72.4% (Q1 2026). Extreme volatility suggests seasonal or one-off capital deployment noise.

⚠ Leverage spiked to 3.68x D/E in Q4 2025; missing D/E data in Q1 2026 obscures current debt trajectory.

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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
$62.9M3,270,966 sh
ADAGE CAPITAL PARTNERS GP, L.L.C.
$33.9M1,762,799 sh
WILLIAM BLAIR INVESTMENT MANAGEMENT, LLC
$30.0M1,559,949 sh
PRINCIPAL FINANCIAL GROUP INC
$29.6M1,537,054 sh
BlackRock, Inc.
$27.0M1,405,042 sh
GOLDMAN SACHS GROUP INC
$21.8M1,131,598 sh
PUNCH & ASSOCIATES INVESTMENT MANAGEMENT, INC.
$21.5M1,115,885 sh
VANGUARD CAPITAL MANAGEMENT LLC
$20.3M1,056,798 sh
Nantahala Capital Management, LLC
$14.4M750,000 sh
GEODE CAPITAL MANAGEMENT, LLC
$13.3M691,217 sh

Fund	Value	Shares
WELLINGTON MANAGEMENT GROUP LLP	$62.9M	3,270,966
ADAGE CAPITAL PARTNERS GP, L.L.C.	$33.9M	1,762,799
WILLIAM BLAIR INVESTMENT MANAGEMENT, LLC	$30.0M	1,559,949
PRINCIPAL FINANCIAL GROUP INC	$29.6M	1,537,054
BlackRock, Inc.	$27.0M	1,405,042
GOLDMAN SACHS GROUP INC	$21.8M	1,131,598
PUNCH & ASSOCIATES INVESTMENT MANAGEMENT, INC.	$21.5M	1,115,885
VANGUARD CAPITAL MANAGEMENT LLC	$20.3M	1,056,798
Nantahala Capital Management, LLC	$14.4M	750,000
GEODE CAPITAL MANAGEMENT, LLC	$13.3M	691,217

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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.

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.