# Jefferson Capital, Inc. (JCAP)

> Source: Nexqual · https://nexqual.com/JCAP · data as of 2026-10-15 20:00 UTC · cite as "Nexqual, Jefferson Capital, Inc. (JCAP), nexqual.com/JCAP" · informational, not investment advice.

**Price:** USD 20.74 (+2.17% on the day) · last close of Oct 15, 2026; US market closed, not a live price. Prev close 20.3 · day 20.46–20.84 · 52w 15.5–24.44 · market cap $1.19B · NMS

## Key facts
- 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
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)
|  | 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) |

## Peers (Credit Services)
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%

## More
Full page: https://nexqual.com/JCAP · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt