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JCAP Stock Forecast: Jefferson Capital, Inc. Price Predictions for 2026-2027

Last close, 14 Oct 2026
$20
−1.17% on the day

The 5 Wall Street analysts covering Jefferson Capital, Inc. hold a median 12-month price target of $29 — +42.9% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 65 of 100 as at 14 Oct 2026 — in the upper half.

Market cap
$1.2B
Ticker Nerd rank
65 / 100
Median analyst target
$29
Analysts covering
5
Revenue$177.5M+16.3% y/y
Operating income$74.4M
Net income$41.3M
Free cash flow$42.7M
Quarterly, 8 quarters to 30 June 2026 · latest quarter's figure shown
Total return, dividends reinvested
1W
+1.4%
1M
−5.6%
YTD
−5.8%
1Y
+18.4%
From 52W high
−14.5%
From 52W low
+32.2%
$15
$24
52-week range, adjusted closes · the dot is the last close
Ticker Nerd rank

JCAP stock analysis: one number for the whole business

Consensus tells you what everyone already believes. The model scores Jefferson Capital, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.

Where the model ranks itAs at 14 Oct 2026
65 / 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Revisions
94
Value
84
Quality
74
Momentum
64
Growth
59
Size
42
Volatility
40
Issuance
19
Accruals
16

Revisions (94): Analysts have, on balance, been raising their forecasts.

Accruals (16): A large share of reported profit has not shown up as cash, or the balance sheet is expanding quickly — both tend to unwind.

Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen years in markets.

Wall Street

JCAP stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on JCAP, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars
$15$20$25$30Jan 26Apr 26Jul 26Oct 26JCAPHigh $30Median $29Low $24

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Data provided by Twelve Data

What Wall Street says5 analysts
5 Buy0 Hold0 Sell
Low $24Median $29High $30

The green dot is the last close — the median target sits +42.9% from it.

Recent analyst actionsNewest first

Of the 20 most recent actions, 6 moved their price target up and 4 moved it down.

DateFirmActionRatingTarget
14 Aug 2026CitizensMaintainsMarket Outperform$26 → $28
14 Aug 2026Raymond JamesMaintainsOutperform$21 → $24
14 Aug 2026Truist SecuritiesMaintainsBuy$26 → $30
24 Dec 2025Keefe, Bruyette & WoodsReiteratesOutperform—
24 Dec 2025Keefe, Bruyette & WoodsReiteratesOutperform$28
17 Nov 2025Keefe, Bruyette & WoodsMaintainsOutperform—
14 Nov 2025CitizensMaintainsMarket Outperform—
21 July 2025JefferiesInitiatesBuy—
21 July 2025JMP SecuritiesInitiatesMarket Outperform—
21 July 2025Keefe, Bruyette & WoodsInitiatesOutperform—
21 July 2025Raymond JamesInitiatesOutperform—
21 July 2025Truist SecuritiesInitiatesBuy—
23 Apr 2020B. Riley SecuritiesMaintainsBuy$26 → $20
9 Apr 2020KeybancMaintainsOverweight$23 → $17
24 Jan 2020KeybancMaintainsOverweight$20 → $23
17 Dec 2019KeybancMaintainsOverweight$23 → $20
5 Aug 2019Raymond JamesDowngradeMarket Perform—
11 Dec 2018Raymond JamesMaintainsOutperform$22 → $24
27 Sept 2018JefferiesUpgradeBuy$20 → $23
6 Mar 2018KeybancMaintainsOverweight$24 → $22

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Market Radar

This page is one stock. Monday covers all of them.

Computed off the Friday close and sent before the US open.

Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. JCAP appears on the weeks it earns a place.

Free, every Monday. Unsubscribe any time.

Performance

JCAP vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

Over the twelve months to 14 Oct 2026, Jefferson Capital, Inc. returned +18.4% against +17.5% for the S&P 500, dividends included.

JCAP vs S&P 500, last 12 monthsTotal return, rebased to 100
90100110120130140Jan 26Apr 26Jul 26Oct 26JCAPS&P 500

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

Estimates

JCAP analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Which way the estimates are movingNext fiscal year
EPS revision, 90 days
+4.6%
Analysts raising
3
Analysts cutting
0
Fundamentals

Jefferson Capital, Inc. (JCAP) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
22.3×

Cheaper than 33% of US stocks

Price / sales
1.8×

Cheaper than 54% of US stocks

Price / book
2.4×

Cheaper than 37% of US stocks

EV / EBITDA
6.6×

Cheaper than 49% of US stocks

Growth & margins
Revenue growth (YoY)
11.5%

Higher than 56% of US stocks

Earnings growth (YoY)
−13.3%

Higher than 24% of US stocks

Gross margin
63.1%

Higher than 76% of US stocks

Operating margin
61.2%

Higher than 98% of US stocks

Net margin
24.1%

Higher than 85% of US stocks

Returns & dividend
Return on equity
35.0%

Higher than 90% of US stocks

Return on assets
12.5%

Higher than 95% of US stocks

Dividend yield
4.7%

Higher than 92% of US dividend payers

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Key statistics

Jefferson Capital, Inc. (JCAP) statistics: revenue, profit & scale

The headline figures, each with its date. Every row carries its own link — cite it straight from here.

  • Jefferson Capital, Inc. has a market value of $1.2B and an enterprise value of $2.6B.

  • Revenue in the twelve months to 30 June 2026: $659.6M. The latest quarter grew 11.5% year on year.

  • Net income over the same four quarters: $155.0M, a 23.5% net margin.

  • Diluted earnings per share, trailing twelve months: $2.45.

  • Free cash flow in the twelve months to 30 June 2026: $220.1M.

  • Jefferson Capital, Inc. spent $60.6M on dividends in the twelve months to 30 June 2026.

  • Shares outstanding: 57.4M.

  • Trailing P/E: 22.3×; forward P/E: 6.6× — the forward figure prices analyst consensus estimates, not reported earnings.

  • Forward dividend yield: 4.73%, paying out 105% of earnings.

  • Jefferson Capital, Inc. employs 1,120 people — $589K of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 15 Oct 2026

Data provided by Twelve Data

Peers

JCAP vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelCredit Services
CompanyMarket capTKN rank
JCAPJefferson Capital, Inc.$1.2B
65
ATLCAtlanticus Holdings Corp.$1.4B
78
NAVINavient Corp.$880.5M
89
WRLDWorld Acceptance Corp.$799.7M
62
PRAAPRA Group, Inc.$761.8M
84
WUThe Western Union Co.$1.9B
63
GDOTGreen Dot Corp.$685.5M
52

Look up any of the roughly 4,600 stocks we score.

The rank is the raw material. Whether the rules would actually own Jefferson Capital, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →

News

Latest JCAP news & analysis

Jefferson Capital: Low Valuation Backed By Rising Recoveries

Seeking Alpha · 6 Oct 2026neutral

The Seeking Alpha item says Jefferson Capital trades at an 8.5x GAAP P/E and a 5% dividend yield amid market caution about legal and consumer-solvency risks. It highlights portfolio expansion and an 18% rise in estimated remaining recoveries to $3.4 billion, while noting that higher legal and servicing costs have compressed profit margins.

Why it matters — JCAP watchers may weigh the increased recoveries and portfolio activity against the reported margin pressure and cited risks.

Jefferson Capital Announces Pricing of $100 Million of Senior Notes due 2030

GlobeNewsWire · 18 Aug 2026neutral

Jefferson Capital announced the pricing of an offering of $100 million aggregate principal amount of 8.250% senior notes due 2030, to be issued by its indirect wholly-owned subsidiary Jefferson Capital Holdings, LLC as add-on notes under an existing indenture. The notes will be guaranteed on a senior unsecured basis by certain of the issuer's wholly-owned domestic restricted subsidiaries.

Why it matters — The offering expands Jefferson Capital's outstanding debt through additional notes under an existing indenture, which is relevant to the company's capital structure and financing activities.

Jefferson Capital Announces Proposed Private Offering of Senior Notes

GlobeNewsWire · 18 Aug 2026neutral

Jefferson Capital announced a proposed private offering of $100 million in aggregate principal amount of senior notes due 2030, to be issued by its indirect wholly-owned subsidiary Jefferson Capital Holdings, LLC as add-on notes under an existing indenture dated May 2, 2025. The add-on notes will be guaranteed on a senior unsecured basis by certain of the issuer's wholly-owned domestic restricted subsidiaries.

Why it matters — JCAP watchers would care because this new debt offering expands the company's existing senior notes program and could affect its capital structure and leverage.

Jernigan Capital Q2 Earnings Call Highlights

MarketBeat · 14 Aug 2026positive

Jefferson Capital reported higher second-quarter collections, revenue and portfolio purchases in its Q2 earnings call. The company also highlighted expanding opportunities in auto finance and its entry into Mexico's debt-purchasing market.

Why it matters — A JCAP watcher would care because the report points to broadened growth across collections, revenue, auto finance and a new Mexico market entry.

Jefferson Capital, Inc. (JCAP) Q2 2026 Earnings Call Transcript

Seeking Alpha · 14 Aug 2026neutral

Jefferson Capital, Inc. held its Q2 2026 earnings call, the transcript of which was published by Seeking Alpha.

Why it matters — The earnings call transcript provides JCAP watchers with management's commentary on the company's second-quarter performance and outlook.

FAQ

Frequently asked questions about JCAP stock

What is the JCAP stock price forecast for 2026-2027?

The 5 Wall Street analysts covering Jefferson Capital, Inc. have a median 12-month price target of $29, with estimates ranging from $24 to $30. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.

Is JCAP stock a buy right now?

Of the 5 analysts covering Jefferson Capital, Inc., 5 rate it a Buy, 0 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks Jefferson Capital, Inc. 65 out of 100 across roughly 4,600 US stocks as at 14 Oct 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank JCAP?

As at 14 Oct 2026, Jefferson Capital, Inc. ranks 65 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Revisions (94 of 100).

Will JCAP stock go up?

No one can know that. What the data says: the median 12-month target from 5 analysts implies +42.9% from the last close, and Ticker Nerd's factor model ranks Jefferson Capital, Inc. 65 out of 100 as at 14 Oct 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.

What is the JCAP stock forecast for 2030?

No analyst covering Jefferson Capital, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for JCAP are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $24 to $30 over the next 12 months.

How has JCAP stock performed over the past year?

Jefferson Capital, Inc. returned +18.4% over the 12 months to 14 Oct 2026, with dividends reinvested. Past performance does not indicate future returns.

What does Jefferson Capital, Inc. do?

Jefferson Capital Inc. Common Stock is the equity security of Jefferson Capital, a consumer finance and debt recovery company focused on purchasing and servicing charged-off consumer receivables.

What is the latest news on JCAP?

The most recent item we track (Seeking Alpha, 6 Oct 2026): "Jefferson Capital: Low Valuation Backed By Rising Recoveries". The Seeking Alpha item says Jefferson Capital trades at an 8.5x GAAP P/E and a 5% dividend yield amid market caution about legal and consumer-solvency risks. It highlights portfolio expansion and an 18% rise in estimated remaining recoveries to $3.4 billion, while noting that higher legal and servicing costs have compressed profit margins.

Company

About Jefferson Capital, Inc.

Jefferson Capital Inc. Common Stock is the equity security of Jefferson Capital, a consumer finance and debt recovery company focused on purchasing and servicing charged-off consumer receivables. The company works with portfolios that include credit card, automotive, utility, telecom, and other consumer accounts, using analytics and portfolio management tools to help individuals repay obligations and resolve delinquent balances. Jefferson Capital also provides debt servicing and related management services to credit originators and financial institutions handling nonperforming loans. Its operations span the United States, Canada, the United Kingdom, and Latin America, placing it within the broader credit services segment of the financial market. Jefferson Capital Inc. Common Stock represents an interest in a business centered on receivables management, collections, and consumer financial recovery services.

CEO Mr. David M. Burton · 1,120 employees · United States · https://www.jcap.com