Jefferson Capital (JCAP)
Buys distressed consumer receivables at a discount and collects or services them for the original lender.
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Purchases charged-off, insolvency, and active-account consumer receivables across credit card, auto, telecom, and retail installment debt, then collects on them directly or services them for the originating creditor, pricing portfolios through proprietary analytics.
Purchases pools of charged-off, insolvency, and increasingly active-account consumer receivables at a discount to face value, then either works the accounts out directly or services them for the original creditor on a fee basis. Portfolios span credit card, auto, telecom, and retail installment debt, alongside consumer bankruptcies; clients include large banks, card issuers, telecoms, auto lenders, and fintech origination platforms.
Operations are concentrated in the United States, with additional offices in the United Kingdom, Canada, and Colombia. Portfolio pricing and collection strategy run on proprietary analytics the company treats as its core operating edge.
The business traces to 2002, when it was formed to wind down a large catalog retailer's charged-off receivables inside a subprime credit-card issuer, then passed through two successive private-equity owners before listing on Nasdaq in 2025; the prior owner retained majority ownership after the offering.
Company facts
Categories
Target rangeAs of Sep 2, 2026
Latest analyst notes
| Date | Firm | Action | Rating | Prior target | Target |
|---|---|---|---|---|---|
| Aug 17, 2026 | Capital One Financial | Target | $28 | $30 | |
| Aug 14, 2026 | Truist Financial | Target | $30 | ||
| Aug 14, 2026 | Raymond James | Reiterate | Outperform | $21 | $24 |
| May 15, 2026 | Raymond James | Target | $25 | $21 | |
| Mar 6, 2026 | Jefferies | Target | $29 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $20.4M · Total debt $1.41B · Total assets $2.08B · Shareholders' equity $476.2M
- Revenue
- $177.5M
- Operating income
- $81.4M
- Net income
- $41.3M
To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 24, 2026 | Aug 24 | Sep 3 | $0.24 | |
| May 26, 2026 | May 26 | Jun 4 | $0.24 | |
| Mar 24, 2026 | Mar 24 | Apr 2 | $0.24 | |
| Nov 25, 2025 | Nov 25 | Dec 4 | $0.24 | |
| Aug 25, 2025 | Aug 25 | Sep 4 | $0.24 |
| Institutions106 holders · as of Mar 31, 2026 · largest filers plus last quarter's tail | ≈ 38.03% | 21.84M shares | |
| Insiders8 holders · as of Aug 26, 2026 | 9.64% | 5.54M shares | |
| Strategic holders1 holder · as of May 8, 2026 | 56.98% | 32.72M shares | |
| Adds to | 104.65% |
57.43M company shares as of Sep 3, 2026 · institutions as of Mar 31, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
These groups come from separate filings that can overlap, so they add to 104.65%; nothing is left for Other.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Evidence |
|---|---|---|---|
JCF IV JCAP Holding L.P.Strategic10 percent owner | 56.98% | 32.72M | 13Gfiled May 8, 2026 ↗ |
David M. BurtonInsiderdirector, officer: SEE REMARKS | 6.58% | 3.78M | 13Gfiled Jan 16, 2026 ↗ |
Wellington Management Group LLPInstitution | 5.70% | 3.27M | 13Fas of Mar 31, 2026 |
Adage Capital Partners GP, L.L.C.Institution | 3.07% | 1.76M | 13Fas of Mar 31, 2026 |
William Blair Investment Management, LLCInstitution | 2.72% | 1.56M | 13Fas of Mar 31, 2026 |
| See all 25 → | |||
13F — a manager's quarterly holdings · 13D/13G — an ownership statement filed at 5% or more
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 25, 2026 | Penelope JoAnn Person | officer: Chief Commercial Officer | −246 | $22.04 |
| Aug 17, 2026 | Mark Joseph Zellmann | officer: President US Business Lines | −56,000 | $23.75 |
| Jan 9, 2026 | David M. Burton | director, officer: SEE REMARKS | −385,000 | $20.50 |
| Jan 9, 2026 | JCF IV JCAP Holding L.P. | 10 percent owner | −11,000,000 | $19.63 |
- Encore Capital Group
Largest US listed debt buyer via Midland Credit Management; UK overlap via Cabot
- PRA Group
US pure-play debt buyer in the same charged-off consumer receivables market
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Jefferson Capital | $21.16 | +2.37% | $1.30B | 8.0 | 7.2 | 2.0 | +16.3% |
| Encore Capital Group | $97.00 | +0.39% | $2.07B | 7.3 | 6.9 | 1.1 | +11.3% |
| PRA Group | $19.05 | +1.49% | $715.1M | — | 5.6 | 0.5 | +29.4% |
| Median | 7.3 | 6.2 | 0.8 | +20.3% |