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JCAP · Nasdaq · United States · Short-Term Business Credit Institutions
In shortJefferson Capital, Inc. / DE is profitable.
Financial health
Strong
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | 51.6% | 100/100 |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 30.6% | 100/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 43.8% | 100/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 43.8% | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 1.43× | n/a |
| Years with positive free cash flow (last 5) | 3 of 3 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 3 of 3 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 0 of 2 | 100/100 |
| Revenue growth volatility | 5.2% | 92/100 |
| Operating margin volatility | 0.5% | 100/100 |
Weight in the score: 20%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
The last 3 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY23 | FY24 | FY25 |
|---|---|---|---|
| Revenue | 323 | 433 | 613 |
| Operating income | 164 | 220 | 316 |
| Interest expense | 48 | 77 | 106 |
| Pre-tax income | 121 | 138 | 218 |
| Income tax | 9 | 8.7 | 30 |
| Net income | 112 | 129 | 188 |
| Diluted EPS | – | – | $5.64 |
| Diluted shares (millions) | – | – | 30 |
The last 8 reported quarters (10-Q and 10-K filings), in USD millions. The fourth quarter is derived from the annual report.
The last 8 quarters of Jefferson Capital, Inc. / DE are included in the Investor plan. Try free for 7 days →
Not computed: the model does not apply to banks and insurers.
Not computed: it needs two consecutive complete years.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Aug 13, 2026