Jefferson Capital, Inc. (JCAP)

Nasdaq: JCAP · Short-Term Business Credit Institutions · Minneapolis, MN · filing with the SEC since 2024

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Grade7.0

◀ Past 7.7● Present 7.3▶ Future 5.5

3 est.

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

The grade of Jefferson Capital, Inc.

Nine metrics read from its own filings, by tense

Headline grade

7.0/10

◀ Past7.740% of the headline

● Present7.335% of the headline

▶ Future5.525% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 6 read as filed from the record and 3 are SI estimates, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

7.7/1040% of the headline grade · 2 of 3 filed, 1 estimated

Surviving crises

as filed

7.8/10

Has it survived what it has been through?

No warning events in its filings since 2024.

weight 45% of this tense · 78th percentile among 20 sector filers · read for itself

From the record

Jefferson Capital, Inc.'s filings since 2024 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

8.6/10

What has it actually done, year after year?

+37.7% a year over 3 filed years; profitable in 3 of 3.

weight 22% of this tense · 86th percentile among 19 sector filers · read for its customers

From the record

Jefferson Capital, Inc.'s 3 filed years say what it did: revenue went from $323 million in fiscal 2023 to $613 million in fiscal 2025, up 37.7% a year; it rose in 2 of 2 years; it never fell from a peak; net income was positive in 3 of 3 of those years (its annual reports).

What it rests on

revenue growth over the filed span37.7%top 18% of its family
the share of years revenue rosetop 11% of its family
the share of filed years with a profittop 18% of its family
the deepest fall from a revenue peak0.0%top 11% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

SI estimate

7.1/10

How has it treated the people who own it?

SI estimate 7.1/10, confidence 35 of 100 (one part).

weight 33% of this tense · 71st percentile among 19 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: Read from one part only, the cash returned against operating cash flow, which ranks in the top 29% of 19 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
What the record cannot read: Fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
How it was reasoned: one part: cash returned against operating cash flow, the one part on file, ranked among 19 in its family.
Confidence: 35 of 100
What would change it: A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Jefferson Capital, Inc.'s shareholder treatment is put at 7.1 of 10 with a confidence of 35 of 100, because read from one part only, the cash returned against operating cash flow, which ranks in the top 29% of 19 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income. A filing that carries the missing parts replaces this estimate with the filed reading.

● Present

What are they doing right now?

7.3/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed

7.4/10

Is it financially healthy right now?

ROE 39%: 39¢ of profit per shareholder dollar. Leverage 77%: owes 77¢ per asset dollar.

weight 45% of this tense · 74th percentile among 19 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Jefferson Capital, Inc. earned about 39 cents of profit for every dollar of shareholders' money. Leverage: it owed about 77 cents per dollar of assets (the filed statements).

What it rests on

what it owes per dollar of assetstop 45% of its family
return on equitytop 8% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

7.3/10

How strong is its position in its industry?

top 27% of 19 in its family; net margin 30.6%.

weight 33% of this tense · 73rd percentile among 19 sector filers · read for its customers

From the record

Jefferson Capital, Inc.'s standing among 19 graded names in its industry family: revenue of $613 million in fiscal 2025 ranks in the top 50% by size; a net margin of 30.6% ranks in the top 8%; revenue growth of 37.7% a year over the last 2 filed years ranks in the top 24% (its annual reports).

What it rests on

revenue against the family$613Mtop 50% of its family
net margin30.6%top 8% of its family
three-year revenue growth37.7%top 24% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate

7.2/10

What are the people in charge doing?

SI estimate 7.2/10, confidence 35 of 100 (one part).

weight 22% of this tense · 72nd percentile among 16 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: Read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the top 28% of 16 in its family; the record of its people begins on 2025-06-26 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 1.4 years and cannot see past it; a floor under five years is not read as years in charge.
What the record cannot read: The record of its people begins on 2025-06-26 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 1.4 years and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned: one part: officer and director changes on Form 8-K, against the people in charge, the one part on file, ranked among 16 in its family.
Confidence: 35 of 100
What would change it: A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Jefferson Capital, Inc.'s leadership is put at 7.2 of 10 with a confidence of 35 of 100, because read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the top 28% of 16 in its family; the record of its people begins on 2025-06-26 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 1.4 years and cannot see past it; a floor under five years is not read as years in charge. A filing that carries the missing parts replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

5.5/1025% of the headline grade · 2 of 3 filed, 1 estimated

Room to expand

as filed

5.5/10

How much room does it have to grow?

top 45% of 19 in its family for room to expand.

weight 33% of this tense · 55th percentile among 19 sector filers · read for itself

From the record

Jefferson Capital, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $23 million against debt of $1.8 billion leaves -82.9% of its assets as net cash, bottom 13% of its family; cash from operations less capital spending is 43.8% of revenue (top 3%) (its annual report).

What it rests on

cash less debt against assets-82.9%bottom 13% of its family
cash from operations less capital spending against revenue43.8%top 3% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed

6.0/10

What could actually drive growth from here?

top 39% of 19 in its family for growth drivers.

weight 33% of this tense · 61st percentile among 19 sector filers · read for its customers

From the record

Jefferson Capital, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 37.7% a year over the last three filed years against 37.7% over all 3, speeding up (bottom 45% of its family); the newest year grew 41.6% (top 24%) (its annual reports). Jefferson Capital, Inc. reported 4 lines of business in fiscal 2025: United States at $450 million (73%), Canada at $72 million (12%), United Kingdom at $51 million (8%), and 1 more; 3 of 4 grew against the year before (its annual report).

What it rests on

three-year growth against the whole span+0.0 points a yearbottom 45% of its family
the newest year's revenue growth41.6%top 24% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

SI estimate

5.0/10

Did its newest year beat what its own record pointed to?

SI estimate 5.0/10, confidence 20 of 100 (family median).

weight 33% of this tense · 50th percentile among 17 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 17 members with one.
What the record cannot read: The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change.
How it was reasoned: family median, 17 readings behind it.
Confidence: 20 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Jefferson Capital, Inc.'s expectations vs reality is put at 5.0 of 10 with a confidence of 20 of 100, because the record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 17 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton JCAP · research, not advice