# Jefferson Capital, Inc. / DE (JCAP)

- Sector: Financials · Industry: Credit Services
- SEC CIK: 0002046042 ([filings on EDGAR](https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0002046042))
- Full page: https://inspectstocks.com/stocks/jcap
- Data as of: price 2026-09-25; newest filing used 2026-08-13; latest fiscal period ended 2026-06-30

## Grade

**B+** on the balance-sheet rubric used for lenders, 3 of 4 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Profitable | passed | $155M |  |
| Earnings growing overall | passed | $155M | $111.5M |
| Earnings growing recently | failed | $155M | $188M |
| Earns well on its assets | passed | 7.4% |  |
| Book value per share growing | not answerable | $15.86 |  |

Business quality (the + / − mark): 4 of 5 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Profitable | passed | 23.5% |  |
| Healthy profit margin | passed | 23.5% |  |
| Strong operating margin | passed | 45.8% |  |
| Good return on equity | passed | 32.6% |  |
| Debt under control | failed | 3.69 |  |

How the grade works: the letter counts failed checks (none → A, one → B, two → C, three → D, four or more → F). It is built from SEC filings only — the share price never enters it — and describes the business, not whether the stock is worth buying.

## Key figures

In US dollars, as filed.

| Measure | Value |
| --- | --- |
| Revenue, trailing twelve months | $659.6M |
| Net income, trailing twelve months | $155M |
| Net margin | 23.5% |
| Operating margin | 45.8% |
| Return on equity | 32.6% |
| Debt to equity | 3.69 |
| Diluted EPS, trailing twelve months | $2.51 |
| Share price | $19.46 |
| Market value | $1.1B |
| Price / earnings | 7.7x |
| Price / sales | 1.7x |

## More on this company

- [Overview](https://inspectstocks.com/stocks/jcap)
- [Financial statements](https://inspectstocks.com/stocks/jcap/financials)
- [Competitors](https://inspectstocks.com/stocks/jcap/peers)
- [Earnings](https://inspectstocks.com/stocks/jcap/earnings)

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Source: InspectStocks, built from the company’s own SEC filings. This describes a business — it is not investment advice and not a recommendation to buy or sell anything.