# Jefferson Capital Inc. (JCAP) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Capital Markets. Price $21.35, market value $1.2 billion.

## Valuation
- **P/E (trailing): n/a** (negative earnings). Jefferson Capital Inc. reported negative earnings over the last twelve months, so the P/E is not meaningful; use price-to-sales, EV/EBITDA and free-cash-flow yield instead.
- **Price / sales: 1.9×**. Each dollar of revenue is priced at 1.9×.
- **Price / book: 2.6×**. The shares trade at 2.6× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 9.7×**. Enterprise value is 9.7× operating earnings before depreciation, the multiple that ignores how the company is financed.

## Profitability
- **Operating margin: 45.8%**. 45.8% of revenue is left after running the business, an exceptional level.
- **Net margin: 30.6%**. 30.6% of each dollar of sales reaches the bottom line.
- **Return on equity: 39.5%**. 39.5% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on invested capital: 10.8%**. Return on all capital, debt included, is 10.8%.
- **Return on assets: 7.4%**. Each dollar of assets produces 7.4% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 41.5%**. Revenue grew 41.5% over the last year.

## Financial health
- **Cash and short-term investments: $23 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 4.50%** ($0.48 per share, trailing). Jefferson Capital Inc. yields 4.50%, an income-level yield.
- **Payout ratio: 34%**. 34% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 1**. 1 straight year of increases.
- **Dividend growth (5 yr): 0.9%/yr**. The dividend has grown 0.9% a year over five years.

## Price and momentum
- **Total return (1 yr): 18.9%** (YTD -1.9%, 3-mo 31.5%). The shares are up 18.9% over twelve months including dividends.
- **From 52-week high: -12.6%** (37.7% above the low). Trading 13% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 51**. An RSI of 51 is neutral.
- **Beta (1 yr): 0.88** (volatility 36%). Beta of 0.88 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=JCAP · Page: https://foliofundamentals.com/stocks/jcap

Not investment advice.