# Jefferson Capital share price today (Jefferson Capital, Inc., JCAP)

> Jefferson Capital, Inc.'s share price, valuation and earnings point in different directions. The next one or two quarters should make it clearer. JCAP · Financials · Credit Services · data as of 3 November 2026. Page: https://www.sectoralpha.in/us/stocks/jcap

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## Key numbers

- Business trend: Slowing from a peak, from fewer quarters than usual
- Price: $20.08 (+6.4% in a year)
- P/BV: 2.4× (lower than 64% of the last 1 year)
- Revenue (Jun 2026): $169 M (+11.5% on a year ago)
- Profit (Jun 2026): $37.2 M (−22.0% on a year ago)
- Net margin: 22.1% (−9.4 points on a year ago)
- ROE: 35%, FY25
- ROA: 12.52%, latest

Biggest thing to watch: the price is not yet in a clear uptrend, so timing is the risk more than the business. ## What is the Jefferson Capital share price today? Jefferson Capital, Inc.'s share price was $20.08 at the close on 3 November 2026. That is 0.6% above its average price over the last 200 trading days. In the last 52 weeks it traded between $16 and $24, and at that close it sat 49% of the way up from that low. Over the past 13 weeks it has done worse than the S&P 500, and it has been behind for 2 weeks running. Over the last 1 year the share price moved +19% while the S&P 500 moved +21%, so it is behind the index over that whole period. It was last ahead over 13 weeks in the week of 23 October 2026. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What dividend does Jefferson Capital pay? Jefferson Capital, Inc. paid $0.96 per share over the last four reported quarters. The most recent declaration was $0.24 for Jun 2026. At today's price of $20.08 that is a yield of 4.78%, based on dividends already paid, not a forecast. ## Which stock lists is Jefferson Capital on? Jefferson Capital is not in the Nasdaq 100, the S&P 500 or the Dow Jones 30, and is not on the US tech stocks list. ## Is Jefferson Capital profitable? Jefferson Capital, Inc. earned $37.2 M of net profit in the Jun 2026 quarter, −22.0% on the same quarter a year earlier. Full-year FY25 profit was $169 M. Over 2 years profit has grown 23.2% a year on average. That is 22.1% of the quarter's revenue. The same quarter a year earlier earned $47.7 M. For the full year, FY25 profit was $169 M (+31.4% on the year before). Why profit moved: revenue changed +11.5% on a year earlier and the margin moved −9.4 percentage points. Sales did the work while the margin got thinner. On average over the last four quarters, profit changed −12.4% and revenue +22.3%. Profit is growing slower than sales: rising costs are taking part of the growth. ## How much revenue does Jefferson Capital make, and is it growing? Jefferson Capital, Inc. reported $169 M of income in the Jun 2026 quarter, +11.5% on the same quarter a year earlier. That is the 10th quarter in a row with growth on the year before. Over 2 years it has grown 34.4% a year on average. The last full year, FY25, came in at $607 M. The last four reported quarters add to $643 M. FY25 revenue was $607 M, +40.0% on the year before. Recent pace: the last four quarters grew +22.3% on average, against 34.4% a year over the longer run, so this year is growing slower than its own long-run rate. Is growth speeding up? Revenue over the last 12 months grew +20.7%, against +32.8% a year over the last 8 quarters (rolling over); profit over the last 12 months grew −20.6%, against +8.9% a year (rolling over). ## How much does Jefferson Capital keep from what it earns? Jefferson Capital, Inc.'s net margin was 22.1% in the Jun 2026 quarter, 9.4 percentage points lower than the same quarter a year ago. Across 3 years it has been between 27.9% and 33.2%. The latest quarter is below every full year in that period. Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason. ## How many of Jefferson Capital's loans have gone bad? Jefferson Capital, Inc. does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report. Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up. ## How fast is Jefferson Capital's loan book growing? Jefferson Capital, Inc.'s revenue was $607 M in FY25, +40.0% on the year before, so the loan book is growing. The latest quarter was +11.5% on a year earlier. The net margin on that income is 22.1%, −9.4 percentage points on a year ago. Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year. In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Quarterly loan-quality figures are missing here, so revenue growth and margin are the two we watch. ## What is Jefferson Capital's P/BV ratio, and how does it compare with its own history? Jefferson Capital, Inc.'s P/BV is 2.4×, in the middle of its own history: higher than 36% of past readings. Its usual P/BV (the middle reading) is 2.5×, over 1 year of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth. In short: the multiple is about average against its own past, so the book value trend underneath matters more than the multiple. ## Is the Jefferson Capital business getting better or worse? Jefferson Capital, Inc.'s business is slowing from a peak. Revenue and profit growth have slowed sharply (revenue growth from +51.3% at its peak to +11.5% now), while ROE is still 29.3%. This is based on 10 quarters of 3 measures, with some gaps. Why it matters: slowing from a peak is where good stories often end quietly. One or more growth lines have an extreme jump caused by comparing with a near-zero or loss-making quarter. Those jumps are capped before reading and drawn at the edge of the chart, so one odd quarter does not decide the result. This reading has some gaps: at least one line is short, or the return line is not the quarterly series, so treat it with a little more caution. ## How much does Jefferson Capital earn on its equity and assets? Jefferson Capital, Inc. earned a return on equity of 36% in FY25. Its lowest yearly reading on file was 34% in FY24. On its assets, every $100 earned about $12.52, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together. That is above the level a bank needs to grow its net worth steadily. Why ROE moved: profit grew 23.2% a year over 2 years while net worth grew more slowly. When earnings recover faster than net worth builds up, ROE climbs off its low. ## Does Jefferson Capital have too much debt? For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead. For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here. ## What is the Jefferson Capital shareholding pattern? 6.6% of Jefferson Capital, Inc.'s tradable shares are in short positions, which are bets that the price will fall, so some traders are betting against it. At normal trading volumes, closing those positions would take about 4.1 days. US companies do not publish a quarter-by-quarter list of owners, so this page uses short interest instead. It is a single reading at one point in time; we do not have its history. Why it is at this level: the figure does not say who holds the short positions or why, so we show the level without guessing the story. ## How far is Jefferson Capital from balance-sheet trouble? For Jefferson Capital, Inc., the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead. ## How does Jefferson Capital rank in its industry? 52.9 out of 100, rank 16 of 29 in Credit Services, with 76% of the evidence available. Jefferson Capital, Inc. scores 52.9 out of 100 against the 29 companies it is compared with in Credit Services, ranking 16. The valuation scores well, but earnings are not improving yet, so the business does not back up the low multiple so far. The four parts add up to the total exactly: 11 + 19.3 + 14.9 + 7.7 = 52.9. This is the same number shown on the industry page; it is worked out once for the whole group and read here. What would change it: The score would fall if ROA turns down or gross NPA rises while the share price lags its sector. ## Which companies is Jefferson Capital compared with? Jefferson Capital ranks 16 of 29 Credit Services companies on the 4-Factor Sector Score, with 52.9 out of 100. 1. [Encore Capital Group, Inc.](https://www.sectoralpha.in/us/stocks/ecpg) ECPG · breaking out · Most evidence points up · 67% evidence 72.1 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 23.3/35 · Income 29.5% · Profit n/a · 45% evidence Capital efficiency 18.4/25 · ROA 8.5% · ROE 34.3% · GNPA n/a · 68% evidence Valuation 16.0/20 · P/BV 1.85× · P/BV÷ROE 0.05 · 70% evidence Relative strength 14.4/20 · Lead over its industry 26.3% · Lead over S&P 500 22.7% · 1 year 111% · 100% evidence · 8 of 12 weeks ahead Exact sum: 23.3 + 18.4 + 16 + 14.4 = 72.1 · What this means: Earnings, capital efficiency and relative strength all agree. The open questions are about management, upcoming events and risks. 2. [EZCORP, Inc.](https://www.sectoralpha.in/us/stocks/ezpw) EZPW · turning · Most evidence points up · 76% evidence 69.5 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 27.5/35 · Income 28.6% · Profit 62.2% · 71% evidence Capital efficiency 17.2/25 · ROA 8.2% · ROE 17.9% · GNPA n/a · 68% evidence Valuation 13.1/20 · P/BV 1.82× · P/BV÷ROE 0.1 · 70% evidence Relative strength 11.7/20 · Lead over its industry 1.9% · Lead over S&P 500 -0.9% · 1 year 62.4% · 100% evidence · 1 of 12 weeks ahead Exact sum: 27.5 + 17.2 + 13.1 + 11.7 = 69.5 · What this means: Earnings, capital efficiency and relative strength all agree. The open questions are about management, upcoming events and risks. 3. [Mastercard Incorporated](https://www.sectoralpha.in/us/stocks/ma) MA · breaking out · Most evidence points up · 80% evidence 68.9 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 24.6/35 · Income 15.3% · Profit 19% · 81% evidence Capital efficiency 20.6/25 · ROA 25.7% · ROE 284.8% · GNPA n/a · 68% evidence Valuation 5.3/20 · P/BV 71.68× · P/BV÷ROE 0.25 · 70% evidence Relative strength 18.4/20 · Lead over its industry 17.2% · Lead over S&P 500 13.7% · 1 year 17.2% · 100% evidence · 11 of 12 weeks ahead Exact sum: 24.6 + 20.6 + 5.3 + 18.4 = 68.9 · What this means: Earnings, capital efficiency and relative strength all agree. The open questions are about management, upcoming events and risks. 4. [Visa Inc.](https://www.sectoralpha.in/us/stocks/v) V · breaking out · Most evidence points up · 80% evidence 67.7 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 23.6/35 · Income 14.8% · Profit 17.7% · 81% evidence Capital efficiency 20.1/25 · ROA 20.3% · ROE 63.6% · GNPA n/a · 68% evidence Valuation 4.8/20 · P/BV 18.27× · P/BV÷ROE 0.29 · 70% evidence Relative strength 19.2/20 · Lead over its industry 20.4% · Lead over S&P 500 16.8% · 1 year 25.1% · 100% evidence · 10 of 12 weeks ahead Exact sum: 23.6 + 20.1 + 4.8 + 19.2 = 67.7 · What this means: Earnings, capital efficiency and relative strength all agree. The open questions are about management, upcoming events and risks. 5. [Atlanticus Holdings Corporation](https://www.sectoralpha.in/us/stocks/atlc) ATLC · quiet · Most evidence points up · 76% evidence 66.8 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 22.9/35 · Income 60% · Profit 38.1% · 71% evidence Capital efficiency 15.9/25 · ROA 2.4% · ROE 26.9% · GNPA n/a · 68% evidence Valuation 14.6/20 · P/BV 2.1× · P/BV÷ROE 0.08 · 70% evidence Relative strength 13.4/20 · Lead over its industry 18.7% · Lead over S&P 500 14.8% · 1 year 71.2% · 100% evidence · 2 of 12 weeks ahead Exact sum: 22.9 + 15.9 + 14.6 + 13.4 = 66.8 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 6. [Sezzle Inc.](https://www.sectoralpha.in/us/stocks/sezl) SEZL · turning · Evidence leans up · 76% evidence 64.7 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 20.1/35 · Income 43.3% · Profit 55.8% · 71% evidence Capital efficiency 19.8/25 · ROA 48.4% · ROE 112% · GNPA n/a · 68% evidence Valuation 6.7/20 · P/BV 24.77× · P/BV÷ROE 0.22 · 70% evidence Relative strength 18.1/20 · Lead over its industry 21.4% · Lead over S&P 500 17.3% · 1 year 106.7% · 100% evidence · 2 of 12 weeks ahead Exact sum: 20.1 + 19.8 + 6.7 + 18.1 = 64.7 · What this means: A strong business with a high valuation: it would need rising earnings, or a lower multiple, to score better on value. 7. [PRA Group, Inc.](https://www.sectoralpha.in/us/stocks/praa) PRAA · losing its lead · Evidence leans up · 76% evidence 64.3 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 16.9/35 · Income 17.6% · Profit -391.2% · 71% evidence Capital efficiency 13.8/25 · ROA 5% · ROE 12.1% · GNPA n/a · 68% evidence Valuation 16.7/20 · P/BV 0.65× · P/BV÷ROE 0.05 · 70% evidence Relative strength 16.9/20 · Lead over its industry 11.7% · Lead over S&P 500 8.3% · 1 year 34.9% · 100% evidence · 8 of 12 weeks ahead Exact sum: 16.9 + 13.8 + 16.7 + 16.9 = 64.3 · What this means: Relative strength against the index is 8.3%, and revenue and profit growth are weak. 8. [Green Dot Corporation](https://www.sectoralpha.in/us/stocks/gdot) GDOT · quiet · Evidence leans up · 67% evidence 63.9 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 22.3/35 · Income 19.2% · Profit n/a · 45% evidence Capital efficiency 14.8/25 · ROA 3.4% · ROE 23.5% · GNPA n/a · 68% evidence Valuation 16.8/20 · P/BV 0.81× · P/BV÷ROE 0.04 · 70% evidence Relative strength 10.0/20 · Lead over its industry -1.9% · Lead over S&P 500 -4.9% · 1 year 7.7% · 100% evidence · 0 of 12 weeks ahead Exact sum: 22.3 + 14.8 + 16.8 + 10 = 63.9 · What this means: The evidence is balanced: no factor stands out, so another reported quarter is needed before the picture is clearer. 9. [Enova International, Inc.](https://www.sectoralpha.in/us/stocks/enva) ENVA · quiet · Evidence leans up · 80% evidence 62.7 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 25.8/35 · Income 29.3% · Profit 30.4% · 81% evidence Capital efficiency 18.1/25 · ROA 6% · ROE 29% · GNPA n/a · 68% evidence Valuation 13.3/20 · P/BV 2.65× · P/BV÷ROE 0.09 · 70% evidence Relative strength 5.5/20 · Lead over its industry -1.7% · Lead over S&P 500 -5.1% · 1 year 40.2% · 100% evidence · 4 of 12 weeks ahead Exact sum: 25.8 + 18.1 + 13.3 + 5.5 = 62.7 · What this means: Earnings are strong; relative strength in its sector is -1.7% and the one-year return is 40.2%. 10. [Bread Financial Holdings, Inc.](https://www.sectoralpha.in/us/stocks/bfh) BFH · turning · Evidence leans up · 80% evidence 59.7 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 14.8/35 · Income 7.3% · Profit 11.7% · 81% evidence Capital efficiency 14.6/25 · ROA 2.6% · ROE 17.5% · GNPA n/a · 68% evidence Valuation 16.1/20 · P/BV 1.09× · P/BV÷ROE 0.06 · 70% evidence Relative strength 14.2/20 · Lead over its industry 18.8% · Lead over S&P 500 15.2% · 1 year 67.1% · 100% evidence · 3 of 12 weeks ahead Exact sum: 14.8 + 14.6 + 16.1 + 14.2 = 59.7 · What this means: Relative strength against the index is 15.2%, and revenue and profit growth are weak. 11. [Capital One Financial Corporation](https://www.sectoralpha.in/us/stocks/cof) COF · basing · Evidence leans up · 60% evidence 59.5 out of 100 Growth Capital Valuation Relative
12. [PayPal Holdings, Inc.](https://www.sectoralpha.in/us/stocks/pypl) PYPL · losing its lead · Evidence leans up · 76% evidence 58.6 out of 100 Growth Capital Valuation Relative
13. [Affirm Holdings, Inc.](https://www.sectoralpha.in/us/stocks/afrm) AFRM · basing · Evidence leans up · 76% evidence 58.4 out of 100 Growth Capital Valuation Relative
14. [FirstCash Holdings, Inc.](https://www.sectoralpha.in/us/stocks/fcfs) FCFS · quiet · Evidence leans up · 80% evidence 55.9 out of 100 Growth Capital Valuation Relative
15. [Credit Acceptance Corporation](https://www.sectoralpha.in/us/stocks/cacc) CACC · quiet · Evidence leans up · 76% evidence 54.7 out of 100 Growth Capital Valuation Relative
16. Jefferson Capital, Inc. this page JCAP · quiet · Evidence leans up · 76% evidence 52.9 out of 100 Growth Capital Valuation Relative How the score adds up Growth & earnings 11.0/35 · Income 20.7% · Profit -20.4% · 71% evidence Capital efficiency 19.3/25 · ROA 11.7% · ROE 32.8% · GNPA n/a · 68% evidence Valuation 14.9/20 · P/BV 2.27× · P/BV÷ROE 0.07 · 70% evidence Relative strength 7.7/20 · Lead over its industry -3.3% · Lead over S&P 500 -6.3% · 1 year 3.2% · 100% evidence · 5 of 12 weeks ahead Exact sum: 11 + 19.3 + 14.9 + 7.7 = 52.9 · What this means: The valuation scores well, but earnings are not improving yet, so the business does not back up the low multiple so far. 17. [OneMain Holdings, Inc.](https://www.sectoralpha.in/us/stocks/omf) OMF · quiet · Evidence leans up · 76% evidence 52.8 out of 100 Growth Capital Valuation Relative
18. [American Express Company](https://www.sectoralpha.in/us/stocks/axp) AXP · basing · Evidence leans up · 80% evidence 52.7 out of 100 Growth Capital Valuation Relative
19. [Federal Agricultural Mortgage Corporation](https://www.sectoralpha.in/us/stocks/agm) AGM · quiet · Evidence leans up · 76% evidence 52.1 out of 100 Growth Capital Valuation Relative
20. [Synchrony Financial](https://www.sectoralpha.in/us/stocks/syf) SYF · basing · Evidence leans down · 80% evidence 49.8 out of 100 Growth Capital Valuation Relative
21. [World Acceptance Corporation](https://www.sectoralpha.in/us/stocks/wrld) WRLD · quiet · Evidence leans down · 69% evidence 46.3 out of 100 Growth Capital Valuation Relative
22. [Ally Financial Inc.](https://www.sectoralpha.in/us/stocks/ally) ALLY · basing · Evidence leans down · 60% evidence 45.6 out of 100 Growth Capital Valuation Relative
23. [The Western Union Company](https://www.sectoralpha.in/us/stocks/wu) WU · basing · Evidence leans down · 76% evidence 41.0 out of 100 Growth Capital Valuation Relative
24. [SoFi Technologies, Inc.](https://www.sectoralpha.in/us/stocks/sofi) SOFI · basing · Evidence leans down · 76% evidence 40.7 out of 100 Growth Capital Valuation Relative
25. [Klarna Group plc](https://www.sectoralpha.in/us/stocks/klar) KLAR · basing · Evidence leans down · 61% evidence 35.1 out of 100 Growth Capital Valuation Relative
26. [Upstart Holdings, Inc.](https://www.sectoralpha.in/us/stocks/upst) UPST · basing · Too little evidence to rank firmly · 55% evidence 33.7 out of 100 Growth Capital Valuation Relative
27. [Nelnet, Inc.](https://www.sectoralpha.in/us/stocks/nni) NNI · basing · Most evidence points down · 76% evidence 31.6 out of 100 Growth Capital Valuation Relative
28. [Navient Corporation](https://www.sectoralpha.in/us/stocks/navi) NAVI · quiet · Most evidence points down · 76% evidence 30.4 out of 100 Growth Capital Valuation Relative
29. [SLM Corporation](https://www.sectoralpha.in/us/stocks/slm) SLM · quiet · Most evidence points down · 80% evidence 24.8 out of 100 Growth Capital Valuation Relative

Missing figures are not scored as bad. They lower the confidence and pull the final score toward the middle. Relative strength counts only when the company has a reading for this week; with no reading, that factor is left out and its 20 points are shared across the other three in proportion. Financial companies use P/BV÷ROE and asset quality; PEG, industrial OPM and ROCE are excluded. Under relative strength, one mark per week shows the last 12 weeks: a mark is filled where the company led S&P 500 by 5% or more over the 13 weeks ending that week, which is the same test used everywhere on this site. Price stage places the company on the same six-step path the industry is placed on (basing, turning, breaking out, leader, fading, asleep), read from how many weeks running it has led S&P 500 and whether that lead is growing or shrinking. It describes where the share price stands, not the direction of earnings, and it is not a recommendation; it is left blank for a company whose weekly history is too short or too stale to read. The figures in this ranking come from the industry comparison: results through the Sep 2026 quarter, and the P/E at that quarter's end. The sections above use the latest weekly price, so a P/E or return there can differ a little from the one here. The stage words in this ranking (such as losing its lead or breaking out) describe the lead over the index, not the price phase in the price section. Related companies: [Credit Services](https://www.sectoralpha.in/us/sectors/credit-services), all 29 compared on one page. ## Which companies are close to Jefferson Capital in size? Jefferson Capital is the 25th largest of 42 Credit Services companies on Sector Alpha by market value (scores of 3 November 2026). Just above it: The Western Union Company, EZCORP, Inc. and Atlanticus Holdings Corporation. Just below it: Navient Corporation, PRA Group, Inc. and World Acceptance Corporation. ### Credit Services companies close in size

1. [The Western Union Company](https://www.sectoralpha.in/us/stocks/wu) $1.9 billion
2. [EZCORP, Inc.](https://www.sectoralpha.in/us/stocks/ezpw) $1.8 billion
3. [Atlanticus Holdings Corporation](https://www.sectoralpha.in/us/stocks/atlc) $1.4 billion
4. Jefferson Capital, Inc. $1.2 billion
5. [Navient Corporation](https://www.sectoralpha.in/us/stocks/navi) $775 million
6. [PRA Group, Inc.](https://www.sectoralpha.in/us/stocks/praa) $748 million
7. [World Acceptance Corporation](https://www.sectoralpha.in/us/stocks/wrld) $745 million

[All 42 Credit Services companies, largest first](https://www.sectoralpha.in/us/sectors/credit-services#all-companies)

### Companies close in size in other industries

1. [Verastem, Inc.](https://www.sectoralpha.in/us/stocks/vstm) $1.2 billion · Biotechnology
2. [Ategrity Specialty Insurance Company Holdings](https://www.sectoralpha.in/us/stocks/asic) $1.2 billion · Insurance - Property & Casualty
3. Jefferson Capital, Inc. $1.2 billion
4. [MarineMax, Inc.](https://www.sectoralpha.in/us/stocks/hzo) $1.2 billion · Specialty Retail
5. [Carter's, Inc.](https://www.sectoralpha.in/us/stocks/cri) $1.2 billion · Apparel Retail

## What else do people ask about Jefferson Capital? ### What were Jefferson Capital's latest quarterly results? Jefferson Capital, Inc. reported total income of $169 M and net profit of $37.2 M for the Jun 2026 quarter. Income rose 11.5% and profit fell 22.0% compared with a year earlier. Earnings per share were $0.67. The net margin was 22.1%, 9.4 percentage points lower than a year earlier (as of 3 November 2026). ### What is Jefferson Capital's market cap? Jefferson Capital, Inc.'s market capitalisation is $1.2 B at a stock price of $20.08. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 3 November 2026). ### How is Jefferson Capital performing? Jefferson Capital, Inc.'s latest readings are below. In its latest quarter, income rose 11.5% and profit fell 22.0% compared with a year earlier. Over the past 13 weeks it has done worse than the S&P 500, for 2 weeks running. This describes what the data did, not a rating (as of 3 November 2026). ### Will Jefferson Capital's stock price go up? This page does not forecast Jefferson Capital, Inc.'s stock price. What it shows instead: the stock price is $20.08. Its P/BV of 2.4× is higher than 36% of its own last 1 years. Nobody can reliably say which way a price will move, and this site does not try (as of 3 November 2026). ### Where is Jefferson Capital in its business cycle? Jefferson Capital, Inc.'s FY25 net margin was 27.9%, against a 3-year range of 27.9% to 33.2%: the low end of its own range, which is often where recoveries start. The latest quarter was 22.1%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 3 November 2026). ### What could break the Jefferson Capital story? Biggest thing to watch: the price is not yet in a clear uptrend, so timing is the risk more than the business. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 3 November 2026). ### Is Jefferson Capital a stock worth studying right now? What the numbers show: Jefferson Capital, Inc.'s share price, valuation and earnings point in different directions. The next one or two quarters should make it clearer. The main open question: the next one or two quarters of results. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 3 November 2026). This is research, not advice. We’re not SEBI-registered.