Jefferson Capital, Inc. (JCAP) Stock Price & Analysis
Jefferson Capital, Inc. (JCAP) closed at USD 20.74 on Thursday, October 15, 2026, up 2.17% on the day. The US market is currently closed; this is not a live price.
The prior close was USD 20.3; the Oct 15, 2026 session ranged USD 20.46–20.84 on volume of 214,900 shares. Market capitalization is $1.19B, with a 52-week range of USD 15.5–24.44 (NMS). Source: Nexqual, retrieved October 16, 2026 at 05:20 UTC.
Also available as compact Markdown for AI agents: nexqual.com/JCAP.md
Key facts (JCAP)
- Analysts: Strong Buy (mean 1.40 on a 1–5 scale) (5 analysts), mean target USD 28.2 (range 24–30).
- Total return with dividends: 1Y +22.9% vs S&P 500 +18.1%; 5Y +16.1% vs S&P 500 +85.1%.
- Next earnings: 2026-11-16, EPS estimate USD 0.73, revenue estimate $177M.
Analysts (JCAP)
Consensus Strong Buy (mean 1.40 on a 1–5 scale), 5 analysts; mean target USD 28.2 (low 24, high 30).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-08-14 | Raymond James | Target raised | Outperform | $21 → $24 |
| 2026-08-14 | Truist Securities | Target raised | Buy | $26 → $30 |
| 2026-08-14 | Citizens | Target raised | Market Outperform | $26 → $28 |
Total return (dividends reinvested) (JCAP)
| 1Y (from 2025-10-16) | 5Y (from 2025-06-23) | |
|---|---|---|
| Total return | +22.9% | +16.1% |
| S&P 500 (SPY) | +18.1% | +85.1% |
| Per year | +23.0% | +12.0% |
| Volatility (annualized) | 35.5% | 33.8% |
| Max drawdown | -31.8% (Jan 2026→Jun 2026) | -28.4% (Jan 2026→Jun 2026) |
Key Statistics (as of October 16, 2026 at 05:20 UTC)
| Price | USD 20.74 |
|---|---|
| Change | ▲ 2.17% (up) |
| Previous Close | USD 20.3 |
| Open | USD 20.62 |
| Day Range | USD 20.46 – 20.84 |
| 52-Week Range | USD 15.5 – 24.44 |
| Volume | 214,900 shares |
| Market Cap | $1.19B |
| Exchange | NMS |
Technical Analysis (JCAP)
Nexqual's technical model rates JCAP "NEUTRAL" based on 3 bullish and 3 bearish signals across 127 daily candles, as of October 16, 2026 at 05:20 UTC.
| Overall Signal | NEUTRAL |
|---|---|
| RSI (14) | 58.92 (neutral) |
| vs SMA50 | Below (USD 20.89) |
| MACD | -0.06 (negative) |
Analyst Ratings (JCAP)
Wall Street analysts rate JCAP "Strong Buy" based on 5 analysts, with a mean price target of USD 28.2 (range USD 24–30), per Nexqual as of October 16, 2026 at 05:20 UTC.
| Consensus Rating | Strong Buy |
|---|---|
| Analyst Count | 5 |
| Mean Target | USD 28.2 |
| High Target | USD 30 |
| Low Target | USD 24 |
| Buy / Hold / Sell | 5 / 0 / 0 |
Earnings (JCAP)
| Next Earnings Date | 2026-11-16 |
|---|---|
| EPS Estimate | USD 0.73 |
| Revenue Estimate | $177.02M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 0.77 vs est 0.7 ▲ beat |
| 2026-03-31 | USD 0.73 vs est 0.68 ▲ beat |
| 2025-12-31 | USD 0.69 vs est 0.66 ▲ beat |
| 2025-09-30 | USD 0.79 vs est 0.62 ▲ beat |
Source: Nexqual, October 16, 2026 at 05:20 UTC.
Financials & Fundamentals (JCAP)
| Total Revenue | $642.72M |
|---|---|
| Revenue Growth (latest quarter, YoY) | +11.50% |
| Gross Margin | +75.16% |
| Operating Margin | +61.20% |
| Profit Margin | +24.12% |
| ROE | +34.95% |
| Debt / Equity | 2.96 |
| Current Ratio | 5.36 |
| Total Cash | $20.41M |
| Total Debt | $1.41B |
Source: Nexqual, October 16, 2026 at 05:20 UTC.
Financial Health Score (JCAP)
Nexqual rates Jefferson Capital, Inc.'s overall financial health "Strong" across five dimensions, as of October 16, 2026 at 05:20 UTC.
| Growth | Strong — Revenue +42% YoY (annual) |
|---|---|
| Profitability | Strong — Gross margin 75%, operating 61% |
| Balance Sheet | Weak — $20M cash vs $1.41B debt |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: Short-Term Business Credit Institutions) |
| Efficiency | Strong — ROE 35%, ROA 12.5% |
Ownership (JCAP)
| Insider Ownership | +8.83% |
|---|---|
| Institutional Ownership | +95.98% |
| Shares Outstanding | 57.43M |
| Float | 16.77M |
| Short % of Float | +4.50% |
Source: Nexqual, October 16, 2026 at 05:20 UTC.
Leadership (JCAP)
Jefferson Capital, Inc. is led by David M. Burton (age 60), President, CEO & Chairman, per Nexqual as of October 16, 2026 at 05:20 UTC.
| President, CEO & Chairman | David M. Burton (age 60) |
|---|---|
| President of U.S. Business Lines | Mark Zellmann (age 43) |
| CFO & Treasurer | Christo Realov (age 45) |
Major Backers & Investors (JCAP)
Notable institutional backers of Jefferson Capital, Inc. include William Blair Investment Management, LLC, Wellington Management, Adage Capital Partners GP L.L.C., according to Nexqual as of October 16, 2026 at 05:20 UTC.
Active Investors
| Investor | Stake |
|---|---|
| William Blair Investment Management, LLC | 4.25% |
| Wellington Management | 4.04% |
| Adage Capital Partners GP L.L.C. | 3.24% |
| Principal Financial Group, Inc. | 2.98% |
| Punch & Associates Investment Management, Inc. | 2.52% |
| Goldman Sachs | 2.23% |
| Nantahala Capital Management, LLC | 1.31% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 4.29% |
| Vanguard Group | 2.58% |
| Geode Capital | 1.38% |
Source: Nexqual, October 16, 2026 at 05:20 UTC.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| ATLC | Atlanticus Holdings Corporation | USD 93.54 | ▼ 1.28% |
| NAVI | Navient Corporation | USD 9.56 | ▲ 1.49% |
| WRLD | World Acceptance Corporation | USD 172.37 | ▼ 2.75% |
| LU | Lufax Holding Ltd | USD 0.88 | ▼ 3.97% |
| PRAA | PRA Group, Inc. | USD 19.95 | ▼ 2.54% |
| FINV | FinVolution Group | USD 3.16 | ▲ 2.93% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 16, 2026 at 05:20 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt