Jefferson Capital, Inc. (JCAP) Income Statement
JCAP 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsJCAP revenue and net income
Where JCAP's revenue goes
2025Each bar shows an amount and its share of revenue. JCAP kept 30.6% of revenue as net income.
JCAP profit margins
JCAP growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +41.5% | +138.7% | +118.9% | — |
| Gross profit | +34.8% | +116.2% | +103.5% | — |
| Operating income | +43.7% | +171.0% | +171.6% | — |
| Net income | +78.5% | +61.8% | +66.8% | — |
| EPS (diluted) | +80.1% | +17.7% | +26.2% | — |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
JCAP quarterly EPS vs estimates
Jefferson Capital beat the analyst EPS estimate in 5 of the last 6 quarters. Next report: November 12, 2026 (estimate $0.56).
JCAP income statement
| 2025 | 2024 | 2023 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $613.3M | $433.3M | $323.1M | $45.1M | $31.2M | $12.2M | $6.5M | $1.7M |
| Cost of revenue | $197.7M | $124.9M | $84.6M | $4.0M | $1.7M | $271,000 | $0 | $0 |
| Gross profit | $415.6M | $308.4M | $238.4M | $41.1M | $29.5M | $11.9M | $6.5M | $1.7M |
| Research & development | — | — | — | $205,000 | $386,000 | $271,000 | $396,000 | $539,000 |
| Sales, general & admin | $147.4M | $88.1M | $69.1M | $16.6M | $14.3M | $9.0M | $9.0M | $4.4M |
| Total operating expenses | $99.1M | $88.1M | $74.4M | $25.2M | $18.4M | $9.8M | $9.4M | $5.0M |
| Operating income | $316.5M | $220.3M | $164.1M | $15.9M | $11.1M | $2.1M | −$2.9M | −$3.2M |
| Interest expense | $105.8M | — | — | $8.5M | $2.2M | $1.1M | $559,000 | — |
| Income before taxes | $218.4M | $138.0M | $120.6M | $44.4M | $54.4M | $14.6M | $16.0M | −$2.9M |
| Income taxes | $30.5M | $32.7M | $9.0M | $37.0M | $45.4M | $13.5M | $19.4M | $279,000 |
| Net income | $188.0M | $105.3M | $111.5M | $44.4M | $54.4M | $14.6M | $16.0M | −$2.9M |
| EBITDA | $329.5M | $158.1M | $121.2M | $59.2M | $60.0M | $16.1M | $16.7M | −$2.9M |
| EPS (diluted) | $3.26 | $1.81 | — | $2.00 | $2.75 | $1.02 | $2.42 | −$0.49 |
| Gross margin | 67.8% | 71.2% | 73.8% | 91.1% | 94.5% | 97.8% | 100.0% | 100.0% |
| Operating margin | 51.6% | 50.8% | 50.8% | 35.3% | 35.5% | 17.6% | −43.8% | −184.9% |
| Net margin | 30.6% | 24.3% | 34.5% | 98.5% | 174.2% | 119.4% | 245.2% | −168.8% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Jun '20 | Mar '20 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $177.5M | $176.4M | $154.8M | $150.8M | $152.7M | $154.9M | $118.9M | $110.6M | $103.8M | $100.0M | $11.7M | $11.7M |
| Cost of revenue | −$23.1M | $67.3M | $47.4M | $50.3M | $46.0M | $38.7M | $36.9M | $31.2M | $30.5M | $28.3M | $2.6M | $2.0M |
| Gross profit | $200.6M | $109.1M | $107.4M | $100.5M | $106.7M | $116.2M | $82.1M | $79.4M | $73.3M | $71.6M | $9.0M | $9.7M |
| Research & development | — | — | — | — | — | — | — | — | — | — | $28,000 | $52,000 |
| Sales, general & admin | $30.4M | $4.5M | $40.1M | $36.4M | $9.4M | $26.8M | $27.8M | $22.5M | $22.3M | $22.4M | $7.8M | $7.5M |
| Total operating expenses | $117.8M | $28.9M | $63.3M | $30.5M | $20.0M | $26.9M | $28.3M | $19.9M | $128.5M | $19.7M | $7.8M | $7.6M |
| Operating income | $81.4M | $80.2M | $44.1M | $70.0M | $86.6M | $89.3M | $53.8M | $59.4M | −$55.1M | $51.9M | $1.3M | $2.1M |
| Interest expense | $30.4M | $30.6M | $28.6M | $77.18B | $25.8M | — | — | — | — | — | $3.1M | $3.2M |
| Income before taxes | $53.3M | $51.1M | $44.1M | $45.5M | $61.9M | $67.0M | $29.9M | $39.2M | $34.1M | $34.8M | $474,000 | −$106.5M |
| Income taxes | $12.0M | $13.4M | $6.4M | $7.2M | $14.3M | $16.4M | $26.5M | $2.4M | $1.9M | $1.9M | $815,000 | −$53.6M |
| Net income | $41.3M | $37.6M | $37.7M | $38.4M | $47.7M | $50.7M | $3.4M | $36.9M | $32.2M | $32.9M | −$341,000 | −$52.8M |
| EBITDA | $84.5M | $82.5M | $45.2M | $46.5M | $89.0M | $67.3M | $42.0M | $41.4M | $37.5M | $36.2M | $6.4M | −$48.0M |
| EPS (diluted) | $0.67 | $0.73 | $0.69 | $0.79 | $0.81 | $0.97 | — | — | — | — | — | — |
| Gross margin | 113.0% | 61.8% | 69.4% | 66.6% | 69.8% | 75.0% | 69.0% | 71.8% | 70.6% | 71.6% | 77.5% | 82.5% |
| Operating margin | 45.9% | 45.4% | 28.5% | 46.4% | 56.7% | 57.7% | 45.2% | 53.7% | −53.1% | 52.0% | 10.8% | 17.7% |
| Net margin | 23.3% | 21.3% | 24.4% | 25.4% | 31.2% | 32.7% | 2.8% | 33.3% | 31.0% | 32.9% | −2.9% | −451.7% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in JCAP's financial statements (latest annual report filed March 13, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
JCAP financial results
In fiscal year 2025 (ended December 31, 2025), Jefferson Capital reported revenue of $613.3 million, up 41.5% from the year before. It had net income of $188.0 million (up 78.5%), a net profit margin of 30.6%. Diluted earnings per share came to $3.26. Over five years revenue grew at an average rate of 118.9% a year.
See the JCAP stock overview for the latest quote and news, or the JCAP chart for price history and technical indicators.
JCAP income statement FAQ
What is Jefferson Capital's annual revenue?
Jefferson Capital reported total revenue of $613.3 million for fiscal year 2025, which ended on December 31, 2025. That was up 41.5% from $433.3 million the previous year.
Is Jefferson Capital profitable?
Yes. Jefferson Capital reported net income of $188.0 million in fiscal 2025, a net profit margin of 30.6%; its operating margin was 51.6%.
What is Jefferson Capital's gross margin?
Jefferson Capital's gross margin was 67.8% in fiscal 2025: for every $100 of revenue, Jefferson Capital kept $68 after the direct cost of its products and services.
How fast is Jefferson Capital growing?
Revenue grew 118.9% a year on average over the last five fiscal years, from $12.2 million to $613.3 million.
What are Jefferson Capital's earnings per share?
Jefferson Capital earned $3.26 per diluted share in fiscal 2025, compared with $1.81 a year earlier.
When will Jefferson Capital report its next earnings?
Jefferson Capital is expected to report results for the quarter ending September 30, 2026 on November 12, 2026.
When does Jefferson Capital's fiscal year end?
Jefferson Capital's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 13, 2026.