3 years of revenue, profit, cash flow and balance-sheet history through FY2025,
from SEC filings — with a computed, factual read of the trend.
Updated Overview →
Growth & profitability
Revenue has grown 37.8% per year over the past 2 years.
Net income has grown slower than revenue (29.8% vs 37.8% per year).
Operating margin has been roughly flat, at 51.6% in the latest year.
Financial health
Total debt ($1.8B) exceeds cash ($23M); net debt is $1.7B.
Operating income covered interest expense 3.0× in the latest year, down from 3.4× 2 years ago.
Total debt is 5.5× EBITDA.
Shareholder returns
Dividends have been paid for 3 consecutive years, consuming 33.8% of earnings.
The dividend has grown 44.1% per year over the past 2 years.
Revenue & net income
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Free cash flow (CFO − capex)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key annual figures
FY
Revenue
Net income
Gross M
Op M
FCF
Total debt
Cash
2025
$613M
$188M
0.0%
51.6%
—
$1.8B
$23M
2024
$433M
$129M
0.0%
50.8%
—
—
$36M
2023
$323M
$112M
0.0%
50.8%
—
—
$14M
Revenue & net income
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Free cash flow (CFO − capex, quarterly)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key quarterly figures
Quarter
Revenue
Net income
Gross M
Op M
FCF
Total debt
Cash
Mar '26
$176M
$38M
0.0%
45.4%
—
—
$26M
Dec '25
$155M
$38M
0.0%
45.6%
—
$1.8B
$23M
Sep '25
$151M
$38M
0.0%
46.4%
$63M
—
$42M
Jun '25
$153M
$48M
0.0%
56.7%
—
—
$52M
Mar '25
$155M
$64M
0.0%
57.6%
—
—
$27M
Dec '24
$119M
$27M
0.0%
45.2%
—
—
$36M
Sep '24
$111M
$37M
0.0%
53.7%
$8M
—
$18M
Jun '24
$104M
$32M
0.0%
53.1%
—
—
$10M
Valuation over time
How the market has priced JCAP against its own fundamentals since 2025-06 —
each month-end's share price set against the most recent annual filing, so the multiple moves
as price runs ahead of (or behind) earnings. Split-adjusted.
The price-to-earnings ratio has fallen from 8.0× (Jun '25) to 5.4× (Jun '26).
The price-to-sales ratio has fallen from 2.4× (Jun '25) to 1.6× (Jun '26).
The dividend yield has risen from 3.5% (Jun '25) to 6.3% (Jun '26).
Price / earnings (P/E)
P/E
Price / sales (P/S)
P/S
Dividend yield (%)
Dividend yield %
Frequently asked questions
Is JCAP growing its revenue and profit?
Over the past 2 years, Jefferson Capital, Inc. / DE's revenue has grown 37.8% per year, and net income grown 29.8% per year. These are computed facts, not advice.
How much debt does JCAP have?
As of FY2025, Jefferson Capital, Inc. / DE reported $1.8B of total debt against $23M of cash; operating income covered interest expense 3.0×.
What is JCAP's profit margin?
In FY2025, gross margin was —, operating margin 51.6%, and net margin 30.6%.
What is JCAP's P/E ratio?
As of Jun '26, Jefferson Capital, Inc. / DE traded at a price-to-earnings ratio of about 5.4× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S and dividend yield have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted ·
growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price
against the latest annual filing. Informational only — not investment advice.