NASDAQ · Financial Statements

Jefferson Capital, Inc. (JCAP) Financial Statements

$20.41 NASDAQ: JCAP Market Cap $1.17B

Jefferson Capital, Inc. most recently reported annual revenue of $613.0M, net profit of $188.0M. Revenue grew at an average annual rate of 119.6% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

Jefferson Capital, Inc.: Revenue rose from $2.0M in 2015 to $613.0M in 2025, a change of +30550.0% over 7 years; net profit was positive in 7 of 8 reported years; operating margin moved from -184.8% to 51.6%, a shift of +236.5 percentage points; the most recent year shows net profit of $188.0M.

Income Statement — 8 Years (USD millions)

Metric	2015	2016	2017	2018	2019	2023	2024	2025
Revenue	$2.0M	$7.0M	$12.0M	$31.0M	$45.0M	$323.0M	$433.0M	$613.0M
Operating Expenses	$5.0M	$9.0M	$10.0M	$20.0M	$29.0M	$159.0M	$213.0M	$297.0M
Operating Profit	$-3.0M	$-3.0M	$2.0M	$11.0M	$16.0M	$164.0M	$220.0M	$316.0M
Operating Margin	-184.8%	-43.8%	17.6%	35.5%	35.3%	50.8%	50.8%	51.6%
Other Income	$0	$19.0M	$12.0M	$43.0M	$29.0M	$-43.0M	$-82.0M	$-98.0M
Interest	$0	$1.0M	$1.0M	$2.0M	$9.0M	$0	$0	$106.0M
Depreciation	$0	$0	$1.0M	$3.0M	$6.0M	$5.0M	$7.0M	$5.0M
Profit Before Tax	$-3.0M	$16.0M	$15.0M	$54.0M	$44.0M	$121.0M	$138.0M	$218.0M
Tax	$0	$0	$0	$0	$0	$7.5M	$23.7M	$13.9M
Net Profit	$-3.0M	$16.0M	$15.0M	$54.0M	$44.0M	$112.0M	$105.0M	$188.0M
EPS	$-0.65	$2.58	$1.22	$3.14	$2.06	$1.91	$1.81	$6.26
Dividend Payout	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

Metric	Mar '20	Jun '20	Mar '24	Jun '24	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	Mar '26	Jun '26
Revenue	$12.0M	$12.0M	$100.0M	$104.0M	$111.0M	$119.0M	$155.0M	$153.0M	$151.0M	$155.0M	$176.0M	$178.0M
Operating Expenses	$10.0M	$10.0M	$48.0M	$159.0M	$51.0M	$65.0M	$66.0M	$66.0M	$81.0M	$111.0M	$96.0M	$96.0M
Operating Profit	$2.0M	$1.0M	$52.0M	$-55.0M	$59.0M	$54.0M	$89.0M	$87.0M	$70.0M	$44.0M	$80.0M	$81.0M
Operating Margin	17.7%	10.8%	52.0%	-53.1%	53.7%	45.2%	57.6%	56.7%	46.4%	28.5%	45.5%	45.9%
Interest	$3.0M	$3.0M	$0	$0	$0	$0	$0	$26.0M	$77.2B	$29.0M	$31.0M	$30.0M
Profit Before Tax	$-106.0M	$0	$35.0M	$34.0M	$39.0M	$30.0M	$67.0M	$62.0M	$46.0M	$44.0M	$51.0M	$53.0M
Tax	$50.4M	$171.9M	$5.6M	$5.6M	$6.0M	$88.7M	$24.5M	$23.0M	$15.7M	$14.5M	$26.3M	$22.6M
Net Profit	$-53.0M	$0	$33.0M	$32.0M	$37.0M	$3.0M	$51.0M	$48.0M	$38.0M	$38.0M	$38.0M	$41.0M
EPS	$-2.30	$-0.01	$0.56	$0.55	$0.63	$0.06	$0.87	$16.76	$0.66	$0.65	$0.68	$0.67

Over the 8 years reported for Jefferson Capital, Inc., cash stood at $48.0M in the latest year, shareholders' equity was $0, current assets covered current liabilities 0.20 times.

Balance Sheet — 8 Years (USD millions)

Metric	2015	2016	2017	2018	2019	2023	2024	2025
Total Assets	$105.0M	$193.0M	$315.0M	$590.0M	$813.0M	$1.1B	$1.7B	$2.1B
Current Assets	$65.0M	$90.0M	$55.0M	$17.0M	$17.0M	$1.0B	$1.6B	$60.0M
Cash	$44.0M	$67.0M	$47.0M	$9.0M	$3.0M	$14.0M	$36.0M	$48.0M
Inventory	$0	$0	$0	$96.0M	$0	$0	$0	$0
Receivables	$20.0M	$22.0M	$7.0M	$5.0M	$5.0M	$1.0B	$1.5B	$2.0B
Fixed Assets	$0	$0	$0	$0	$0	$4.0M	$0	$5.0M
Capital Work in Progress	$0	$0	$0	$0	$0	$0	$0	$0
Investments	$0	$5.0M	$14.0M	$14.0M	$11.0M	$0	$0	$1.9B
Other Assets	$0	$0	$0	$0	$0	$57.0M	$58.0M	$58.0M
Total Liabilities	$4.0M	$24.0M	$9.0M	$43.0M	$224.0M	$812.0M	$1.3B	$1.6B
Current Liabilities	$4.0M	$6.0M	$8.0M	$18.0M	$21.0M	$41.0M	$77.0M	$300.0M
Borrowings	$0	$19.0M	$1.0M	$25.0M	$203.0M	$771.0M	$1.2B	$1.7B
Other Liabilities	$4.0M	$6.0M	$8.0M	$18.0M	$21.0M	$41.0M	$77.0M	$0
Equity	$0	$0	$0	$0	$0	$0	$0	$0
Reserves	$101.0M	$168.0M	$306.0M	$548.0M	$589.0M	$275.0M	$383.0M	$476.0M

For Jefferson Capital, Inc., operating cash flow was positive in 3 of 8 reported years; free cash flow in the latest year was $268.0M; free cash flow was positive in 3 of 8 years; financing activities used $15.0M in the latest year, which covers debt repayment, dividends and buybacks.

Cash Flow Statement — 8 Years (USD millions)

Metric	2015	2016	2017	2018	2019	2023	2024	2025
Operating Cash Flow	$-3.0M	$-5.0M	$-4.0M	$-6.0M	$-14.0M	$120.0M	$168.0M	$269.0M
Investing Cash Flow	$-183.0M	$-88.0M	$-271.0M	$-517.0M	$-488.0M	$-405.0M	$-549.0M	$-403.0M
Financing Cash Flow	$110.0M	$42.0M	$89.0M	$65.0M	$37.0M	$-6.0M	$-7.0M	$-15.0M
Net Cash Flow	$44.0M	$24.0M	$-20.0M	$-38.0M	$-5.0M	$5.0M	$18.0M	$9.0M
Free Cash Flow	$-68.0M	$-51.0M	$-159.0M	$-281.0M	$-180.0M	$119.0M	$162.0M	$268.0M

Valuation & Return Ratios

Metric	Value
PEG Ratio	-0.08
EV / EBITDA	9.94
FCF Yield	18.87%
Quick Ratio	0.12
Interest Coverage	2.98
Return 1Y	18.77%
Return 3Y	—
Return 5Y	—

Jefferson Capital, Inc. (JCAP) financials — frequently asked questions

What is Jefferson Capital, Inc.'s annual revenue?

Jefferson Capital, Inc. (JCAP) reported annual revenue of $613.0M in its most recent fiscal year.

What is Jefferson Capital, Inc.'s net profit?

Jefferson Capital, Inc. (JCAP) reported net profit of $188.0M in its most recent fiscal year.

What is JCAP EV/EBITDA?

Jefferson Capital, Inc.'s enterprise value to EBITDA (EV/EBITDA) ratio is 9.94.

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