Jefferson Capital, Inc. (JCAP) Key Metrics
JCAP valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $1.18B
- Enterprise value
- $2.48B
- P/E (TTM)
- 22.6
- Forward P/E
- —
- PEG ratio
- —
- Price / sales
- 1.8
- Price / book
- 2.3
- EV / EBITDA
- 9.2
- Dividend yield
- 4.68% $0.96 a year
- Beta
- —
JCAP key metrics, 2015–2025
Fiscal year ended December 31, 2025 · U.S. dollarsJCAP returns How much profit the business earns on the capital it uses.
JCAP per-share figures Results divided by the shares outstanding at year-end.
JCAP financial health Debt, liquidity and how easily interest is covered.
JCAP efficiency & capital use Working capital cycle and where the cash goes.
JCAP valuation history
JCAP returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
JCAP debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
JCAP cash returned to shareholders
JCAP price vs earnings per share
JCAP key metrics
2015–2025| 2025 | 2024 | 2023 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||
| Market capitalization | $670.5M | — | — | — | — | — | — | — |
| Enterprise value | $2.34B | — | — | — | — | — | — | — |
| P/E ratio | 3.6 | — | — | — | — | — | — | — |
| Price / sales | 1.1 | — | — | — | — | — | — | — |
| Price / book | 1.4 | — | — | — | — | — | — | — |
| Price / free cash flow | 2.5 | — | — | — | — | — | — | — |
| Price / operating cash flow | 2.5 | — | — | — | — | — | — | — |
| EV / sales | 3.8 | — | — | — | — | — | — | — |
| EV / EBITDA | 7.1 | — | — | — | — | — | — | — |
| EV / free cash flow | 8.7 | — | — | — | — | — | — | — |
| Earnings yield | 28.0% | — | — | — | — | — | — | — |
| Free cash flow yield | 39.9% | — | — | — | — | — | — | — |
| Dividend yield | 9.5% | — | — | — | — | — | — | — |
| Shareholder yield (dividends + buybacks) | 9.5% | — | — | — | — | — | — | — |
| Share price at fiscal year-end | $22.34 | — | — | — | — | — | — | — |
| Per share | ||||||||
| Revenue per share | $20.43 | $7.44 | $5.54 | $2.09 | $1.80 | $1.02 | — | — |
| Earnings per share | $6.26 | $1.81 | $1.91 | $2.06 | $3.14 | $1.22 | — | — |
| Operating cash flow per share | $8.96 | $2.89 | $2.06 | −$0.63 | −$0.36 | −$0.30 | — | — |
| Free cash flow per share | $8.92 | $2.78 | $2.04 | −$8.35 | −$16.25 | −$13.36 | — | — |
| Cash per share | $1.58 | $0.61 | $0.25 | $0.15 | $0.50 | $3.94 | — | — |
| Book value per share | $15.86 | $6.57 | $4.72 | $27.28 | $31.65 | $25.67 | — | — |
| Tangible book value per share | $13.71 | $5.40 | $3.62 | $27.28 | $31.44 | $25.67 | — | — |
| Dividends per share | $2.11 | $0.62 | $0.52 | $1.93 | $1.77 | $1.42 | — | — |
| Capex per share | $0.04 | $0.11 | $0.02 | $7.72 | $15.89 | $13.06 | — | — |
| Debt per share | $57.08 | $20.50 | $13.23 | $9.39 | $1.42 | $0.06 | — | — |
| Shares outstanding | 30.0M | 58.3M | 58.3M | 21.6M | 17.3M | 11.9M | — | — |
| Change in shares outstanding | −48.5% | 0.0% | +169.9% | +24.7% | +45.3% | — | — | — |
| Returns & profitability | ||||||||
| Return on equity (ROE) | 43.8% | 32.0% | 25.8% | 7.8% | 12.7% | 6.1% | 11.9% | −2.9% |
| Return on invested capital (ROIC) | 14.8% | 13.1% | 16.7% | 1.2% | 1.3% | 0.6% | −1.6% | −4.4% |
| Return on assets (ROA) | 10.0% | 7.6% | 11.6% | 6.3% | 12.0% | 5.7% | 10.7% | −2.8% |
| Return on tangible assets | 9.3% | 6.6% | 10.6% | 5.5% | 9.3% | 4.6% | 8.3% | −2.8% |
| Free cash flow margin | 43.7% | 37.4% | 36.8% | −399.6% | −901.2% | — | −774.1% | — |
| Income quality (OCF / net income) | 1.43 | 1.60 | 1.08 | −0.31 | −0.12 | −0.25 | −0.34 | — |
| Financial health | ||||||||
| Total debt | $1.71B | $1.19B | $770.9M | $202.8M | $24.6M | $718,000 | $18.6M | — |
| Cash & short-term investments | $47.6M | $35.5M | $14.4M | $3.3M | $8.7M | $47.0M | $67.4M | $43.9M |
| Net debt | $1.67B | $1.16B | $756.6M | $199.5M | $15.9M | −$46.3M | −$48.8M | −$43.9M |
| Debt / equity | 3.60 | 3.12 | 2.81 | 0.34 | 0.04 | 0.00 | 0.11 | — |
| Debt / assets | 0.82 | 0.72 | 0.69 | 0.25 | 0.04 | 0.00 | 0.10 | — |
| Net debt / EBITDA | 5.06 | 7.33 | 6.24 | 3.37 | 0.26 | −2.87 | −2.92 | — |
| Current ratio | 0.20 | 20.16 | 25.09 | 0.79 | 0.96 | 6.79 | 15.41 | 17.73 |
| Quick ratio | 0.20 | 20.16 | 25.09 | 0.79 | −4.40 | 6.79 | 15.41 | 17.73 |
| Interest coverage | 3.0 | — | — | 1.9 | 5.1 | 2.0 | -5.1 | — |
| Working capital | −$240.2M | $1.48B | $984.3M | −$4.5M | −$683,000 | $46.9M | $84.1M | $61.3M |
| Invested capital | $2.14B | $1.54B | $1.03B | $788.4M | $563.8M | $259.6M | $119.6M | $57.4M |
| Tangible asset value | $411.6M | $314.6M | $239.9M | $588.9M | $544.3M | $305.8M | $168.4M | $101.8M |
| Net current asset value | −$1.55B | $281.4M | $213.4M | −$207.3M | −$25.3M | $46.2M | $65.5M | $61.3M |
| Graham number | $47.28 | $16.34 | $14.25 | $35.53 | $47.29 | $26.57 | — | — |
| Graham net-net per share | −$3.19 | −$1.72 | −$0.76 | −$10.06 | $1.03 | $3.66 | — | — |
| Capital allocation | ||||||||
| Dividends paid | $63.5M | $36.0M | $30.6M | $41.7M | $30.6M | $17.0M | $8.5M | $4.3M |
| Share buybacks (net) | — | — | — | $572,000 | $333,000 | $177,000 | $3.2M | — |
| Dividend payout ratio | 33.8% | 34.2% | 27.4% | 94.0% | 56.3% | 116.4% | 53.0% | — |
| Dividends + buybacks / free cash flow | 23.7% | 22.2% | 25.7% | — | — | — | — | — |
| Capex / revenue | 0.2% | 1.4% | 0.4% | 369.4% | 881.0% | 1,275.8% | 690.4% | 3,723.6% |
| Capex / operating cash flow | 0.4% | 3.7% | 1.0% | — | — | — | — | — |
| Capex / depreciation | 0.21 | 0.91 | 0.23 | 26.60 | 78.82 | 291.27 | 402.62 | 3,090.57 |
| Stock-based compensation / revenue | 2.8% | 0.0% | 0.0% | 4.8% | 6.2% | 10.6% | 16.5% | 17.5% |
| R&D / revenue | — | — | — | 0.5% | 1.2% | 2.2% | 6.1% | 30.9% |
| SG&A / revenue | 24.0% | 20.3% | 21.4% | 36.8% | 45.9% | 74.1% | 137.7% | 253.9% |
| Efficiency | ||||||||
| Days sales outstanding | 1,033.2 | 1,061.2 | 570.1 | 38.6 | 70.7 | 432.8 | 1,152.7 | 4,104.4 |
| Days of inventory on hand | — | — | — | — | 20,510.4 | — | — | — |
| Days payables outstanding | 152.5 | 155.5 | 89.0 | 329.9 | 377.4 | 1,235.7 | — | — |
| Cash conversion cycle (days) | 880.8 | 905.6 | 481.1 | -291.2 | 20,203.7 | -803.0 | — | — |
| Receivables turnover | 0.35 | 0.34 | 0.64 | 9.45 | 5.17 | 0.84 | 0.32 | 0.09 |
| Payables turnover | 2.39 | 2.35 | 4.10 | 1.11 | 0.97 | 0.30 | 0.00 | 0.00 |
| Inventory turnover | — | — | — | — | 0.02 | — | — | — |
| Asset turnover | 0.33 | 0.31 | 0.34 | 0.06 | 0.07 | 0.05 | 0.04 | 0.02 |
| Average receivables | $1.74B | $1.26B | $504.6M | $4.8M | $6.0M | $14.5M | $20.6M | $19.6M |
| Average payables | $82.6M | $53.2M | $20.6M | $3.6M | $1.8M | $917,500 | $752,500 | $808,000 |
| Average inventory | — | — | — | — | $96.2M | — | — | — |
| Intangibles / total assets | 3.1% | 4.1% | 5.7% | 0.0% | 0.6% | 0.0% | 0.0% | 0.0% |
Computed from JCAP's annual financial statements (latest annual report filed March 13, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
JCAP valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Jefferson Capital traded at 3.6 times earnings. Based on the latest twelve months, the trailing P/E is 22.6. Jefferson Capital earned a return on equity of 43.8% and a return on invested capital of 14.8% in fiscal 2025. It ended the year with $1.7 billion of debt and $47.6 million in cash and short-term investments, net debt of $1.7 billion. It returned $63.5 million to shareholders: $63.5 million in dividends and $0 in share buybacks, 24% of free cash flow.
See the JCAP income statement, the JCAP chart for price history, or the JCAP stock overview for the latest quote and news.
JCAP key metrics FAQ
What is Jefferson Capital's P/E ratio?
Jefferson Capital's trailing P/E ratio is 22.6 based on the last twelve months of earnings (as of October 18, 2026). At the end of fiscal 2025 it was 3.6.
What is Jefferson Capital's EV/EBITDA?
Jefferson Capital's enterprise value was 7.1 times EBITDA at the end of fiscal 2025 (enterprise value $2.3 billion, EBITDA $329.5 million); the current EV/EBITDA is 9.2.
What is Jefferson Capital's return on equity?
Jefferson Capital's return on equity (ROE) was 43.8% in fiscal 2025: net income of $188.0 million on average shareholders' equity of $429.3 million.
What is Jefferson Capital's ROIC?
Jefferson Capital's return on invested capital was 14.8% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Jefferson Capital have?
Jefferson Capital had total debt of $1.7 billion at the end of fiscal 2025, a debt-to-equity ratio of 3.60 and $1.7 billion of net debt (5.06 times EBITDA).
What is Jefferson Capital's dividend yield?
Jefferson Capital's forward dividend yield is 4.68%. Jefferson Capital paid $63.5 million in dividends in fiscal 2025 ($2.11 per share), a payout ratio of 33.8%.
What is Jefferson Capital's free cash flow yield?
Jefferson Capital generated $267.7 million of free cash flow in fiscal 2025, a free cash flow yield of 39.9% on its market value at year-end ($670.5 million).
What is Jefferson Capital's current ratio?
Jefferson Capital's current ratio was 0.20 at the end of fiscal 2025: current assets were 0.20 times current liabilities.