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Financial Analysis

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JCAP$19.96+0.00%
Fair $19.96+0.0%

JCAP

Jefferson Capital, Inc.

Financial Services / Credit ServicesNasdaqGS

$19.96

+0.00 (+0.00%)

Fairly Valued+0.0%Fair Value $19.96Fund rank 24/100 · Data gapFallback financials|
SA 11/F
F-Score: 5/9
High Debt

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 100.0/100

Data gap 24/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 50/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

11/100

F

Piotroski

5/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

12/100

SEC 0%

Latest source: unknownPeriods: 3Warnings: 1unknown: 3
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified. Debt-to-Equity ratio is 3.68, above the 2.0 threshold
Thesis & Journal · JCAPLocal privado en este navegador · Jefferson Capital, Inc.
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$1.2B

P/E

N/A

•

EV/EBITDA

N/A

•

ROE

39.5%

↑

Gross Margin

N/A

•

Debt/Equity

3.68

↑
No hay histórico de precio usable para pintar el gráfico TradingView.

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2023–2025 · 2 años de histórico normalizado

Revenue CAGR

+37.8%

FCF CAGR

—

FCF margin

—

FCF / Net income

—

Latest source

Provider fallback

Margin decomposition

Último año: revenue $613.3M · net income $188.0M · FCF —

2023-FY → 2025-FY

Gross margin

—— pts

Operating margin

51.6%+0.8% pts

Net margin

30.6%-3.9% pts

FCF margin

—— pts
MetricTTM
2025
2024
2023
Income Statement
Revenue$613.3M$613.3M$433.3M$323.1M
Net Income$188.0M$188.0M$128.9M$111.5M
EBITDA$321.7M$321.7M$222.9M$166.4M
EPS5.645.64——
Operating Margin51.6%51.6%50.8%50.8%
Net Margin30.6%30.6%29.7%34.5%
Balance Sheet
Debt/Equity3.683.68——
Returns
ROE39.5%39.5%33.7%36.7%
Growth & Yield
Revenue Growth41.5%41.5%34.1%—

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

-32.0%

fácil

EPS terminal req.

$1.77

Spread vs growth

73.6%

5Y implied EPS CAGR

-17.6%

fácil

EPS terminal req.

$2.14

Spread vs growth

59.1%

10Y implied EPS CAGR

-4.8%

fácil

EPS terminal req.

$3.45

Spread vs growth

46.3%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · available periodreconcilia total n/d
Return attribution requires positive start and end prices.

Unavailable: positive start/end prices are required.