Jefferson Capital, Inc. / DE
JCAPNasdaqFinancials · Short-Term Business Credit Institutions · DE · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY25 | FY24 | FY23 | |
|---|---|---|---|
| Revenue | $613.3M | $433.3M | $323.1M |
| Operating income | $316.5M | $220.3M | $164.1M |
| Net income | $188.0M | $128.9M | $111.5M |
| Total assets | $2.09B | $1.65B | — |
| Total liabilities | $1.61B | $1.27B | — |
| Equity | $476.1M | $382.5M | $303.6M |
| EPS (diluted) | $5.64 | — | — |
| Shares out. | 58.3M | 0 | — |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- 51.6%
- Net margin
- 30.6%
- Return on equity
- 39.5%
- Return on assets
- 9.0%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 77.2%
- Debt / equity
- 3.38×
- Book value / share
- $8.17
- Revenue growth (YoY)
- 41.5%
- Net income growth (YoY)
- 45.8%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −3.9%clean
- Piotroski F-Score
- 6/8mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 5 good- High leverage (liabilities > 70% of assets)
- Operating margin is positive
- Strong return on equity (>15%)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Wellington Management Group LlpPassive (13G)May 15, 2026
- Jcf Iv Jcap Holding L.P.Passive (13G)May 8, 2026
- Burton David M.Passive (13G)Jan 16, 2026
- J.C. Flowers Iv L.P.Passive (13G)Aug 12, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Burton David M.Officer — SEE REMARKS | Jan 9, 2026 | Sell | 385,000 | $20.50 |
| Jcf Iv Jcap Holding L.P.10% owner | Jan 9, 2026 | Sell | 11.0M | $19.63 |
| J.C. Flowers Iv L.P.10% owner | Aug 22, 2025 | J | 13.5M | $0.00 |
| J.C. Flowers Iv L.P.10% owner | Jun 27, 2025 | Sell | 2.7M | $15.00 |
| Burton David M.Officer — SEE REMARKS | Jun 25, 2025 | Grant | 4.2M | — |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 763,416 | 3.8 | -0.3% |
| Apr 30, 2026 | 765,337 | 2.8 | -7.3% |
| Apr 15, 2026 | 825,376 | 3.0 | -1.3% |
| Mar 31, 2026 | 836,603 | 1.7 | +49.9% |
| Mar 13, 2026 | 558,001 | 1.8 | +52.4% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Results of operationsMay 14, 2026
- Entered a material agreement · New financial obligationApr 23, 2026
- Director / officer changeMar 18, 2026
- Director / officer changeMar 17, 2026
- Results of operationsMar 12, 2026
- Completed an acquisition or dispositionDec 5, 2025
- Results of operationsNov 13, 2025
- Entered a material agreement · New financial obligationOct 29, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- SCHEDULE 13GMay 15, 2026
- 10-QMay 14, 2026
- 8-KMay 14, 2026
- SCHEDULE 13G/AMay 8, 2026
- 8-KFORM 8-KApr 23, 2026
- DEFA14AApr 21, 2026
- DEF 14AApr 21, 2026
- 4OWNERSHIP DOCUMENTMar 18, 2026
- 3OWNERSHIP DOCUMENTMar 18, 2026
- 3OWNERSHIP DOCUMENTMar 18, 2026
- 8-KFORM 8-KMar 18, 2026
- 8-KFORM 8-KMar 17, 2026
- 4OWNERSHIP DOCUMENTMar 13, 2026
- 10-KMar 13, 2026
- 8-KMar 12, 2026
Event-driven situations (1)
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