Jefferson Capital, Inc. Common Stock (JCAP) Stock Score, Valuation & Financial Research
Jefferson Capital, Inc. Common Stock is in the Financial Services sector and Financial - Credit Services industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 67/100.
Quick answer for JCAP
Jefferson Capital, Inc. Common Stock currently has a Wall Street Score of 67/100. The stored market price is $21.51. Its financial score is 52/100. Its valuation score is 100/100. The latest WSS change is +0.9 points. These figures are a research snapshot, not a buy or sell recommendation.
What Jefferson Capital, Inc. Common Stock does
Jefferson Capital, Inc. is a company that specializes in financial recovery and debt resolution services, operating across the United States, the United Kingdom, Canada, and Latin America. Its primary business involves acquiring large bundles of consumer debt that have previously been written off by original lenders. These portfolios of defaulted accounts are purchased at significantly reduced prices compared to their original value. The company then works directly with individuals to help them settle their obligations and progress towards financial rehabilitation. The types of consumer debt Jefferson Capital manages include, but are not limited to, credit card balances, both secured and unsecured automotive loans, and outstanding bills from telecommunications and utility providers. Additionally, the company extends its expertise to credit originators, offering loan administration and ot
JCAP financial snapshot
- Wall Street Score:
- 67/100
- Current price:
- $21.51
- Market capitalization:
- $1.33B
- Revenue:
- $659.6M
- Net income:
- $155.0M
- Free cash flow:
- $267.7M
- Cash:
- $20.4M
- Total debt:
- $1.41B
- EPS:
- 2.66
- P/E ratio:
- 8.1x
- Financial score:
- 52/100
- Valuation score:
- 100/100
- Revenue score:
- 54/100
What stands out
- Reported year-over-year revenue growth is +0.1%.
- Free cash flow is $267.7M, showing positive cash generation.
- The balance sheet shows $20.4M of cash versus $1.41B of total debt, so leverage deserves attention.
- The latest Wall Street Score change is +0.9 points: JCAP increased 0.9 points because Valuation improved by 15 points.
- The current research record carries a share basis reconciled warning, which should be reviewed alongside the score.
What the numbers mean
Its current valuation score is 100/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 52/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-13.
How to research JCAP
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.