Jefferson Capital, Inc. Common Stock(JCAP)

$20.43—

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Jefferson Capital, Inc. Common Stock(JCAP)

NASDAQ

$20.43—

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JCAP(JCAP)

JCAP

Overview Notebook Intelligence Chart History Fundmntls TTM Earnings Analysts News Financials Segments Insiders Institl.DCF Peers

7/27/26

JEFFERSON CAPITAL, INC. COMMON STOCK (JCAP)

Monday

8:09 PM

Thesis: The company’s strong growth in loan origination and improved risk management metrics are driving a more favorable outlook among investors.

Revenue Outlook

Metric	FY2025	FY2026E	FY2027E
Revenue	$613M	$691M	$718M
Rev. Growth	+41.5%	+12.7%	+3.9%
EPS	$6.26	$2.76	$2.91
EPS Growth	+246%	-55.9%	+5.2%
P/E (fwd)	3.3×	7.4×	7.0×

★ Analysts see FY2026 revenue reaching $691M — +12.7% growth in a single year.

The Bull Case for Growth

1Loan origination volume increased by 50% YoY, indicating strong demand for credit products.
2Improved risk assessment algorithms have reduced default rates by 15% over the past year.
3Expansion into new markets in the Southeast has led to a 30% increase in customer base.
4Recent regulatory changes may limit competition from unregulated lenders, benefiting JCAP.
5Increased demand for consumer credit in a recovering economy
6Technological advancements in credit risk assessment and lending
7Changes in consumer credit demand, particularly among subprime borrowers
8Regulatory changes impacting lending practices

FY2025 Snapshot

Revenue: $613M
Rev. Growth: +41.5%
Gross Margin: 67.8%
Op. Margin: 51.6%
Net Margin: 30.6%
Net Income: $188M
NI Growth: +78.5%
EPS: $6.26
1Y Return: +28.3%

JCAP Chart

My Notes

"We are seeing unprecedented demand for our credit products as we expand our reach."
Moat: Jefferson Capital's competitive advantage lies in its proprietary data analytics platform…
growth - The company’s rapid revenue and earnings growth appeal to growth-focused investors.
Rising interest rates can increase borrowing costs, potentially dampening demand for loans.
Watch on earnings: Loan origination volume, Default rates among borrowers, Interest rate trends (e.g., FEDFUNDS).

One Sentence Summary:

The bull case is simple: analysts see revenue climbing from $691M to $718M as loan origination volume increased by 50% yoy, indicating strong demand for credit products.

Auto-composed from Stock Alarm intelligence, financial statements, and analyst estimates. Not investment advice.

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Metric

FY2025

FY2026E

FY2027E

P/E (fwd)

3.3×

7.4×

7.0×

The Bull Case for Growth

1Loan origination volume increased by 50% YoY, indicating strong demand for credit products.

2Improved risk assessment algorithms have reduced default rates by 15% over the past year.

3Expansion into new markets in the Southeast has led to a 30% increase in customer base.

4Recent regulatory changes may limit competition from unregulated lenders, benefiting JCAP.

5Increased demand for consumer credit in a recovering economy

6Technological advancements in credit risk assessment and lending

7Changes in consumer credit demand, particularly among subprime borrowers

8Regulatory changes impacting lending practices

My Notes

"We are seeing unprecedented demand for our credit products as we expand our reach."

Moat: Jefferson Capital's competitive advantage lies in its proprietary data analytics platform…

growth - The company’s rapid revenue and earnings growth appeal to growth-focused investors.

Rising interest rates can increase borrowing costs, potentially dampening demand for loans.

Watch on earnings: Loan origination volume, Default rates among borrowers, Interest rate trends (e.g., FEDFUNDS).