Jefferson Capital, Inc. (JCAP)
Financials · NMS
Price as at 1 Oct 2026, 16:16 UTC. Quotes are delayed.
Fundamentals
Valuation and ratings
Jefferson Capital, Inc. trades at $18.92, which is 127% below the $42.99 our fair value estimate puts on the business. On that measure alone it screens as undervalued, though a valuation model is an argument rather than a measurement, and the market is frequently right about why something is cheap.
Our moat model scores it 73 out of 100, which is a wide moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 3.8 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
JCAP dividend history
Dividends per share by year
| Year | Total per share | Payments |
|---|---|---|
| 2026 (year to date) | $0.720 | 3 |
| 2025 | $0.480 | 2 |
Split-adjusted amounts in the listing currency, grouped by the calendar year of the ex-dividend date, from the filed record. Growth and streak figures compare complete years only.
JCAP earnings and analyst estimates
Recommendation mix, 5 published ratings
Estimates are the published analyst consensus and move often. An earnings date is scheduled, not certain, and a share tends to reprice most violently on the day itself.
About Jefferson Capital, Inc.
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 consumer receivables at discounts to face value and manage them by working with individuals as they repay 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.
Company profile, industry and headcount are as reported by our data provider and can lag a company's own filings by a reporting period. The annual report is the authority.
JCAP passes 6 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Super investor ownership
5 of the funds we track reported a position in their latest SEC 13F filing. Largest first:
- Ken Griffin, CITADEL ADVISORS LLC$12.21M · 0.0% of book
- Israel Englander, MILLENNIUM MANAGEMENT LLC$8.09M · 0.0% of book
- Two Sigma, TWO SIGMA INVESTMENTS, LP$2.67M · 0.0% of book
- Renaissance Technologies, RENAISSANCE TECHNOLOGIES LLC$1.93M · 0.0% of book
- Steve Cohen, Point72 Asset Management, L.P.$871.0K · 0.0% of book
A word of warning on reading these figures: a 13F reports the market value of a holding, so a fund that traded nothing at all still appears to have sold when the price fell. We found 102 companies where the standard reading gives the opposite answer. Only the share count is honest.
JCAP peers
The largest companies in the same industry (Credit Services), then in the same sector.
- V Visa Inc.
- AFRM Affirm Holdings, Inc.
- OMF OneMain Holdings, Inc.
- BFH Bread Financial Holdings, Inc.
- UPST Upstart Holdings, Inc.
- EZPW EZCORP, Inc.
- AGM-A Federal Agricultural Mortgage Corporation
- QFIN Qfin Holdings, Inc.
Every financials company we cover is on the Financials hub.
Common questions
Is Jefferson Capital, Inc. (JCAP) undervalued?
Against our fair value estimate of $42.99, JCAP at $18.92 is 127% below fair value. That is one model's answer, not a recommendation. It is built from normalized earning power with growth capped deliberately low, which understates companies whose value is mostly future growth.
Which funds own JCAP?
5 of the institutions we track reported a position in JCAP in their most recent SEC 13F filing. A 13F is filed up to 45 days after quarter end, so it tells you what a fund held then, not what it holds now.
What is JCAP's P/E ratio?
JCAP trades at 3.8 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Does Jefferson Capital, Inc. (JCAP) pay a dividend?
Yes. Jefferson Capital, Inc. yields 4.91% at the current share price. It has paid $0.960 per share over the trailing twelve months. A dividend is declared by the board and can be cut at any time; a yield is a fact about the current price, not a promise.
Where does SteadyShares get its JCAP data?
Fundamentals for JCAP come from company filings and exchange data, as listed on NMS; institutional ownership comes from SEC 13F filings. The share price shown was last refreshed on 1 Oct 2026, 16:16 UTC and is delayed. Our data quality score for this company is 92/100, which is the share of the inputs behind our scores that were actually available rather than assumed. Metrics we do not hold are left out of the page rather than estimated.
The full research page for JCAP, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.
Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.