Jefferson Capital, Inc. / DE
JCAP · Short-Term Business Credit Institutions · 55.4M shares · EDGAR filings ↗
Reference price $20.50 · est. market cap ~$1.1B — last insider sale, 2026-01-09 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
B74Jefferson Capital — high-return debt-purchasing/collection company (recent IPO).
Strengths
- Operating margin 52% (98th pct), ROE 39.5% (86th), ROA (89th); revenue +41%
- Diversified, analytics-driven receivables purchasing
Risks
- High leverage (D/E 3.7, 95th); collection-yield volatility
- Consumer-credit and regulatory (CFPB) exposure
Notable findings
Quarterly revenue
Last 4 quarters · from SEC filings.
Key metrics
Operating margin
51.6%
Net margin
30.6%
Return on equity
39.5%
Return on assets
9.0%
ROIC
11.2%
Revenue growth (QoQ)
14.0%
Net-income growth
45.8%
Debt / equity
3.7×
Net debt / EBITDA
5.4×
EBITDA
$322M
Tangible book value
$412M
Cash & investments
$23M
Stock comp / revenue
2.8%
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-01-09 | JCF IV JCAP Holding L.P. | Sell | 11.0M | $19.63 |
| 2026-01-09 | Burton David M. | Sell | 385K | $20.50 |
| 2025-08-22 | J.C. Flowers IV L.P. | Other | 13.5M | — |
| 2025-08-22 | J.C. Flowers IV L.P. | Other | 30.2M | — |
| 2025-06-27 | Burton David M. | Sell | 424K | $15.00 |
| 2025-06-27 | J.C. Flowers IV L.P. | Sell | 2.7M | $15.00 |
| 2025-06-27 | J.C. Flowers IV L.P. | Sell | 6.0M | $15.00 |
| 2025-06-25 | Burton David M. | Grant | 4.2M | — |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
| Date | Items | |
|---|---|---|
| 2026-06-08 | Shareholder vote | filing ↗ |
| 2026-05-14 | ResultsExhibits | filing ↗ |
| 2026-04-23 | Material agreementDebt obligationExhibits | filing ↗ |
| 2026-03-18 | Exec/director change | filing ↗ |
| 2026-03-17 | Exec/director change | filing ↗ |
| 2026-03-12 | ResultsExhibits | filing ↗ |
| 2025-12-05 | Acquisition/dispositionExhibits | filing ↗ |
| 2025-11-13 | ResultsExhibits | filing ↗ |
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-06-08 | 2026-06-05 | 0001104659-26-071368 ↗ |
| 10-Q | 2026-05-14 | 2026-03-31 | 0001104659-26-061206 ↗ |
| 8-K | 2026-05-14 | 2026-05-14 | 0001104659-26-061149 ↗ |
| 8-K | 2026-04-23 | 2026-04-22 | 0001104659-26-047776 ↗ |
| 8-K | 2026-03-18 | 2026-03-18 | 0001104659-26-030908 ↗ |
| 8-K | 2026-03-17 | 2026-03-11 | 0001104659-26-029572 ↗ |
| 10-K | 2026-03-13 | 2025-12-31 | 0001104659-26-027199 ↗ |
| 8-K | 2026-03-12 | 2026-03-12 | 0001104659-26-027049 ↗ |
| 8-K | 2025-12-05 | 2025-12-04 | 0001104659-25-118595 ↗ |
| 10-Q | 2025-11-14 | 2025-09-30 | 0001104659-25-112518 ↗ |
| 8-K | 2025-11-13 | 2025-11-13 | 0001104659-25-111288 ↗ |
| 8-K | 2025-10-29 | 2025-10-24 | 0001104659-25-103361 ↗ |