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JCAP

JCAP

JCAP
$21.38USD↑+0.85%+0.18 today

MARKET CAP

1.2B

P/E (TTM)

1.3x

FWD P/E

—

DAY RANGE

$21 – $22

52W RANGE

$16
$24

AI Summary

Stalk
StalkMedium

JCAP remains in a medium-term bullish Stage 2 uptrend supported by rising long-term and intermediate EMAs and robust fundamentals. The recent blow-off top has introduced short-term exhaustion, leading to a pullback into the 9- and 20-period EMA support cluster on low volume and easing momentum. Timing is unfavorable until clear acceptance at EMA support, such as a low-wick up-day, signals buyer return and a low-risk entry opportunity.

  • ↑Q3 collections rose 63% YoY to $237M, driving strong cash flows.
  • ↑Revenue grew 85% YoY to $256M in Q2 2025; yields 5.7% annually.
  • ↓Operating expenses surged 59% YoY to $80M, pressuring margins.
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

Jefferson Capital Inc. (NASDAQ: JCAP) is a leading consumer asset management company that specializes in the acquisition and servicing of charged-off and insolvency portfolios. Positioned strategically within the consumer credit landscape, Jefferson Capital capitalizes on macroeconomic trends characterized by rising consumer delinquencies and increasing insolvency rates. The company leverages operational efficiency and advanced data analytics to navigate market challenges, making it a prominent player in the consumer finance sector.

Bull says

  • ↑Q3 collections rose 63% YoY to $237M, driving strong cash flows.
  • ↑Revenue grew 85% YoY to $256M in Q2 2025; yields 5.7% annually.
  • ↑Cash efficiency ratio of 75.9% leads consumer asset peers.
  • ↑Net debt/adj. EBITDA at 1.76x supports low-leverage acquisitions.
  • ↑Elevated consumer delinquencies fuel portfolio supply and growth runway.
  • ↑High earnings yield and robust profitability factors underpin valuation.

Bear says

  • ↓Operating expenses surged 59% YoY to $80M, pressuring margins.
  • ↓High volatility may deter investors amid rate-sensitive credit markets.
  • ↓Consumer savings down to $831B from $1.1T pre-pandemic limit buffers.
  • ↓Regulatory shifts in consumer protection pose acquisition headwinds.
  • ↓Low growth momentum and negative analyst revisions signal downgrades.
  • ↓Elevated leverage factor increases debt servicing risk if markets tighten.

Earnings Call · Q2 2025 · Mgmt. Guidance

Updated 08-18-2026bullish

Transcript signals

Bull points

  • revenue was $153 million, up 47% year-over-year, driven by the continued strong performance of our UK servicing businesses, as well as incremental revenue related to servicing arrangements for the call securitizations, which drove servicing revenue growth of 48% year-over-year.
  • Net operating income was 87 million for the quarter, up 57% year over year, and adjusted pre-tax income was 62 million, up 55% year-over-year, resulting in an adjusted pre-tax return on average equity of 58.4%.
  • Our balance sheet is solid with ample liquidity to support growth, create strategic optionality, and pay out quarterly dividends.
Read full transcript analysis ›