Stock AnalizJefferson Capital, Inc. / DE JCAP
Finance Companies · IPO 2025 · data as of November 13, 2026
Jefferson Capital, Inc. / DE (JCAP) is a financial company listed in the US with a market value of about $1.2B. In the twelve months to September 30, 2026 it had revenue of $694M and net income of $149M, a net margin of 21.4%.
Its overall Stock Analiz score is 2.4 out of 5 (weak). The strongest part is shareholder returns (4/5); the weakest is financial health (1/5).
Key numbers: a P/E of 19.3, a price to free cash flow of 5.7, a 5-year average ROIC of 25%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 38% above the current price.
Score: 2.4 / 5
Checks passed
- P/E below 25
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- Revenue growth above 10% last year
- Strong R&D investment or growth above 20%
- 5-year average ROIC above 12%
- ROE above 15%
- Positive free cash flow
Checks not passed
- P/E below the industry median
- PEG below 1.5
- 3-year revenue growth above 10% a year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
- Profitable 5 years in a row
Valuation
Growth and quality
Financials, last 3 years
| Fiscal year | TTM | 2025 | 2024 | 2023 |
|---|---|---|---|---|
| Revenue | $694M | $613M | $433M | $323M |
| Net income | $149M | $188M | $129M | $112M |
| Free cash flow | $211M | $269M | $168M | — |
| EPS (diluted) | $1.08 | $1.13 | — | — |
| Net margin | 21.4% | 30.6% | 29.7% | 34.5% |
| ROIC | — | 12.2% | 13.1% | 50.0% |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 5 analysts is $28.20, 35% above the current price; targets range from $24.00 to $30.00; the consensus rating is “Buy”; expected EPS is $3.12 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Jefferson Capital, Inc. / DE’s P/E ratio?
About 19.3, based on the last twelve months of diluted earnings per share (forward P/E about 6.7).
Is Jefferson Capital, Inc. / DE stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 38% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Jefferson Capital, Inc. / DE pay a dividend?
Yes. The dividend yield is about 4.60%, and it has paid dividends for 3 years in our data.
Is Jefferson Capital, Inc. / DE a good stock to buy?
We do not give buy or sell advice. Jefferson Capital, Inc. / DE scores 2.4 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.