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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
Jefferson Capital Inc. (JCAP) surged +2.52% to $19.93, trading at 50% of its 52-week range ($15.5 – $24.44). High-quality cash engine (steady margins, 55% return on capital) with steady institutional support.
MINNEAPOLIS, Oct. 29, 2026 (GLOBE NEWSWIRE) -- Jefferson Capital, Inc. (NASDAQ: JCAP) (“Jefferson Capital”), a leading analytically driven purchaser and manager of charged-off, insolvency and active consumer accounts, to
Community Financial (CBU) delivered earnings and revenue surprises of +1.68% and +0.43%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +41.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on JCAP today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for JCAP. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
Why JCAP Stock surged +2.52% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 55% return on capital) with steady institutional support.