Jefferson Capital, Inc. Common Stock

JCAP

Financial - Credit Services · Financial Services

Price

$19.54

-0.12 (-0.61%)

Market Cap

$1.20B

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count rising — dilution

+73.4% over 7y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 17.3M (2018) → 30.0M (2025)

Jefferson Capital, Inc. provides debt recovery solutions and other related services in the United States, the United Kingdom, Canada, and Latin America. The company primarily purchases portfolios of previously charged-off consumer receivables at deep discounts to face value and manage them by working with individuals as they repay their obligations and work toward financial recovery. It offers consumer receivables, including credit card, secured and unsecured automotive, telecom and utilities, a

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+13.9% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

-29.9% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

82.6%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$26M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

Jefferson Capital, Inc. Common Stock is a rare growth stock that's already generating positive cash flow while growing at 14%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Gross Margin

87.3%

Premium pricing power — 87.3% gross margin

Operating Margin

45.4%

Excellent — 45.4% operating margin

ROCE

4.3%

Weak — 4.3% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+30.0%

Fast-growing sales (30.0% YoY)

EPS YoY

+874.0%

Earnings growing fast (874.0% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

159%

Turns 159% of profit into real cash

FCF Margin

40.3%

Converts sales into free cash efficiently (40.3%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

3.24

Heavy debt load (3.24)

Interest Cover

0.00x

Dangerous — barely covers interest (0.0x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

1.0x

Attractive valuation — P/E 1.0

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

-5.8

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend Yield

5.10%

Healthy income — 5.10% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend Growth

N/A

no trend

Data not available

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