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Jefferson Capital Inc. (JCAP) 12-Month Stock Forecast & Price Target Cone

$19.93 +2.52% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Jefferson Capital Inc. (JCAP) earns a Roarable Rating of A- (Buy) with 83/100 RQD Confidence. High-quality cash engine (steady margins, 55% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE A- • BUY Cap $1.14B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERBUY • A-

3-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw A- · Rk A-

Each axis scored 0–20

12M PRICE TARGET CONE+11.2% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for JCAP)Realized 20D OHLCV Swing Band: ±5.6%

INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your JCAP Position Size: $10,000

Shares at $19.93: 501.8 sh

$1,000$10,000$25,000$50,000$100,000

12M Bear Case FloorTarget $16.34

$8,199

$-1,801 (-18.0%)

12M Consensus BaseTarget $22.17

$11,124

+$1,124 (+11.2%)

12M Bull Case BreakoutTarget $26.16

$13,126

+$3,126 (+31.3%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (43 Desks)

Street Historical Accuracy: 64/100

● Strong Buy / Buy: 32● Hold: 9● Sell: 2

Wall Street Firm	Stance	12M Target	1Y Accuracy	Track Grade
Morgan StanleyInstitutional Equity Desk	OUTPERFORM	$23	74%	A
Goldman SachsSector Coverage Lead	STRONG BUY	$25	69%	B
JP MorganUS Large-Cap Research	HOLD	$19	58%	C

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (JCAP Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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JCAP // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -3.91%🛡️ HOLDING TREND SUPPORT

2026-10-30O $20.12H $20.32L $19.66C $19.93VOL 269.9K

RES: $21.11SUP: $19.22SMA50: $20.47SMA200: $19.99

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

JCAP Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 JCAP Butterfly Map → + Track JCAP →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-10.5%/yr Implied 5Y Growth

vs. +41.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on JCAP today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for JCAP. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for JCAP today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (JCAP)

Financials Rank #2 of 1096 ⚔️ NCZ vs JCAP Full Matrix →

1. Head-to-Head Financials Peer Comparison (JCAP vs. NCZ, BST, HQH, NCV)

Industry: Finance Companies (27 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Jefferson Capital Inc. (JCAP) ranks #2 by composite RQD confidence (83/100, grade A-) and #528 by equity capitalization ($1.14B). Within this direct 5-issuer industry benchmark cohort, JCAP leads on earnings valuation at 6.1x trailing P/E, while JCAP leads on capital efficiency and profitability with 55.2% ROIC and — gross margin. JCAP currently leads its immediate peer cohort in composite quantitative strength at 83/100 (A-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
JCAP ACTIVE Jefferson Capital Inc.	A-	83/100	6.1x	—	55.2%	+2.52%	$1.14B	Benchmark Subject
NCZ Virtus Convertible & Income Fund II of	D	49/100	—	—	—	-1.38%	$1.09B	/ncz-vs-jcap →
BST BlackRock Science and Technology Trust of	D+	58/100	—	—	—	-0.63%	$1.08B	/bst-vs-jcap →
HQH abrdn Healthcare Investors	D+	57/100	—	—	—	+2.34%	$1.01B	/hqh-vs-jcap →
NCV Virtus Convertible & Income Fund of	D	51/100	—	—	—	0.00%	$1.40B	/ncv-vs-jcap →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0002046042

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Jefferson Capital Inc. (JCAP) reported GAAP revenue of $613.3M (+41.5% vs. FY2024 revenue of $433.3M , and +89.8% cumulative change since FY2023) , GAAP net income of $188.0M, operating cash flow of $268.8M, and free cash flow of $268.8M (+59.8% YoY). On the balance sheet, JCAP closed FY2025 with $2.09B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 7/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$613.3M	$188.0M	$268.8M	$268.8M	$2.09B	—
FY2024 (FY)	2024-12-31	$433.3M	$128.9M	$168.2M	$168.2M	$1.65B	—
FY2023 (FY)	2023-12-31	$323.1M	$111.5M	$120.2M	$120.2M	—	—

3. JCAP Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is JCAP stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Jefferson Capital Inc. (NASDAQ: JCAP) is rated A- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 83/100 at a spot price of $19.93 (+2.52% 1D, market cap $1.14B). Pillar breakdown: Fundamental Cash Engine 19/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 18/20, and SEC Balance-Sheet Forensics 19/20. Across 1096 tracked Financials issuers, JCAP ranks #2 in composite RQD confidence.

How does JCAP compare to NCZ and BST in the Financials sector?

Within the Financials sector (Finance Companies), JCAP carries a Roarable A- (83/100 RQD), trailing P/E of 6.1x, gross margin of —, and ROIC of 55.2%. By comparison, NCZ (Virtus Convertible & Income Fund II of) holds a D grade (49/100 RQD, P/E N/A, ROIC —, cap $1.09B) and BST (BlackRock Science and Technology Trust of) posts a D+ grade (58/100 RQD, P/E N/A, ROIC —, cap $1.08B). Among the 5-stock peer group, JCAP leads on earnings multiple (6.1x) while JCAP leads on capital efficiency (55.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for JCAP?

Per JCAP's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0002046042), Jefferson Capital Inc. generated $613.3M in revenue (+41.5% YoY), $188.0M in net income, and $268.8M in free cash flow against $2.09B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is JCAP trading relative to its 50-day, 200-day, and 52-week technical levels?

JCAP last traded at $19.93 (+2.52% on volume of 242,824 shares), positioning the stock -2.64% below its 50-day simple moving average ($20.47) and -0.30% below its 200-day simple moving average ($19.99). Across its 52-week range of $15.50 to $24.44, JCAP sits at the 49.6% percentile with a 14-day RSI of 43.3 (NEUTRAL RANGE) and an implied next-earnings move of ±5.6% ($18.81 to $21.05).

JCAP Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is JCAP's 12-month stock price target?

Jefferson Capital Inc. (JCAP) carries a 12-month consensus base price target of $22.17 (+11.2% from $19.93), with a bull-case target of $26.16 and a bear-case floor of $16.34.

Is JCAP stock a Buy, Hold, or Sell right now?

Roarable's 5-Pillar RQD Quant Engine rates JCAP A- (Buy — BUY) with an RQD Confidence score of 83/100.

Direct Sub-Reports: JCAP RQD Cockpit JCAP 12M Forecast JCAP Earnings & Move JCAP Dividends & DRIP JCAP Insiders & 13F JCAP Whale Options JCAP Profit Sankey JCAP News & Why