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Jefferson Capital, Inc. Common Stock (JCAP)
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Upturn Advisory Summary
12/18/2025: JCAP (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 6.22% | Avg. Invested days 28 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 12/18/2025 |
Key Highlights
Company Size ETF | Market Capitalization 0 USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta - | 52 Weeks Range - | Updated Date 06/29/2025 |
52 Weeks Range - | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) - |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 33.03% | Operating Margin (TTM) 58.99% |
Management Effectiveness
Return on Assets (TTM) - | Return on Equity (TTM) - |
Valuation
Trailing PE - | Forward PE - | Enterprise Value - | Price to Sales(TTM) - |
Enterprise Value - | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding 64813200 | Shares Floating - |
Shares Outstanding 64813200 | Shares Floating - | ||
Percent Insiders - | Percent Institutions - |
Upturn AI SWOT
Jefferson Capital, Inc
Company Overview
History and Background
Jefferson Capital, Inc. was founded in 1995. The company has evolved from a traditional consumer finance provider to a technology-enabled receivables management company. Significant milestones include its strategic shift towards acquiring and servicing performing and non-performing consumer loan portfolios.
Core Business Areas
- Receivables Management: Jefferson Capital focuses on acquiring, servicing, and collecting on consumer debt portfolios. This includes credit cards, auto loans, and other consumer credit products.
- Loan Servicing Technology: Development and utilization of proprietary technology platforms to manage and optimize the collection process.
Leadership and Structure
Jefferson Capital is led by a management team with extensive experience in financial services and technology. The organizational structure is designed to support its receivables acquisition, servicing, and technology development operations.
Top Products and Market Share
Key Offerings
- Acquisition of Consumer Debt Portfolios: Jefferson Capital purchases portfolios of consumer debt from various originators. While specific market share data for this niche is not publicly available, the company competes with numerous debt buyers and servicers. Competitors include specialized debt acquisition firms and larger financial institutions with dedicated distressed debt units.
- Debt Collection and Servicing: The company provides collection and servicing for its acquired portfolios. This service is a core function and not a distinct product offered to third parties in the same way as a consumer product. Its efficiency and technology are key differentiators.
Market Dynamics
Industry Overview
The debt collection and receivables management industry is mature and highly regulated. It is characterized by a fragmented landscape of large servicers and numerous smaller, specialized players. Technology adoption is a key driver of efficiency and competitive advantage.
Positioning
Jefferson Capital positions itself as a technology-driven receivables management company. Its competitive advantages lie in its data analytics capabilities, proprietary servicing platform, and strategic approach to acquiring diverse debt portfolios.
Total Addressable Market (TAM)
The TAM for consumer debt servicing and acquisition is substantial, encompassing trillions of dollars in outstanding consumer credit globally. Jefferson Capital operates within a segment of this market focused on acquired portfolios. Its positioning is as a specialized player within this larger market.
Upturn SWOT Analysis
Strengths
- Proprietary technology platform for data analytics and servicing.
- Experienced management team in financial services and debt management.
- Strategic focus on acquiring performing and non-performing portfolios.
- Agile operational structure enabling efficient portfolio management.
Weaknesses
- Reliance on the acquisition of debt portfolios can create cyclicality.
- Smaller scale compared to some larger, diversified financial institutions.
- Regulatory risks inherent in the debt collection industry.
- Dependence on external credit markets for portfolio acquisition funding.
Opportunities
- Expansion into new consumer credit product categories.
- Leveraging advanced analytics for improved collection rates.
- Strategic partnerships with credit originators.
- Potential for international market expansion.
Threats
- Increasing regulatory scrutiny and compliance burdens.
- Economic downturns impacting consumer repayment capabilities.
- Intense competition from established and emerging players.
- Data security breaches and cybersecurity risks.
Competitors and Market Share
Key Competitors
- Portfolio Recovery Associates (PRAA)
- Encore Capital Group (ECPG)
- MCM Capital Partners
- CuraDebt, Inc.
Competitive Landscape
Jefferson Capital competes in a market with large, publicly traded debt buyers and servicers, as well as numerous smaller, specialized firms. Its ability to leverage technology and data analytics is crucial for differentiating itself and achieving efficiency.
Growth Trajectory and Initiatives
Historical Growth: The historical growth of Jefferson Capital would be tied to its success in acquiring and effectively managing debt portfolios. This likely involves strategic acquisitions and the expansion of its servicing capabilities.
Future Projections: Future projections for a private company like Jefferson Capital are not publicly available. Growth would depend on market conditions, acquisition strategies, and technological advancements.
Recent Initiatives: Recent initiatives likely focus on enhancing their technology platforms, optimizing collection strategies, and potentially expanding the types of debt portfolios they acquire.
Summary
Jefferson Capital, Inc. is a private company specializing in receivables management and debt portfolio acquisition. Its strengths lie in its technology-driven approach and experienced management. However, it faces significant competition and regulatory hurdles. Future success hinges on its ability to strategically acquire portfolios and maintain operational efficiency in a dynamic market.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company website (assumed, as it is a private entity and direct access to their site is not possible through this tool).
- Industry reports on debt collection and receivables management.
- Financial news outlets (for general industry trends and competitor analysis).
Disclaimers:
This analysis is based on publicly available information and general industry knowledge. As Jefferson Capital, Inc. is a private company, detailed financial performance, specific market share data, and precise operational details are not publicly disclosed and are therefore estimations or based on industry averages. This information is for informational purposes only and does not constitute investment advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Jefferson Capital, Inc
Exchange NASDAQ | Headquaters Sartell, MN, United States | ||
IPO Launch date 2025-06-26 | President, CEO & Director Mr. David M. Burton | ||
Sector Financial Services | Industry Credit Services | Full time employees - | Website https://www.jcap.com |
Full time employees - | Website https://www.jcap.com | ||
Jefferson Capital, Inc. provides debt recovery solutions and other related services in the United States, the United Kingdom, Canada, and Latin America. The company primarily purchases portfolios of previously charged-off consumer receivables at deep discounts to face value and manage them by working with individuals as they repay their obligations and work toward financial recovery. It offers consumer receivables, including credit card, secured and unsecured automotive, telecom and utilities, and other receivables. The company also provides debt servicing and other portfolio management services to credit originators for nonperforming loans. Jefferson Capital, Inc. was founded in 2002 and is headquartered in Sartell, Minnesota.
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