Insider buying last 90 days
No open-market insider purchases were filed for JCAP in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every JCAP insider filing, plotted on the chart in Gekko.Open JCAP in Gekko
NASDAQ: JCAP
Jefferson Capital (JCAP) Stock Analysis & Forecast
Oct 12 close
$20.35+0.42 (+2.1%)
Gekko Brief
AI summaryOct 12 closeJefferson Capital trades at an 8.5x GAAP P/E with a 5% dividend yield, a valuation that reflects market caution around legal and consumer solvency risks even as the company pursues aggressive portfolio expansion. Coverage points to $185 million deployed in July and entry into Mexico as supporting revenue growth and future cash flow visibility, alongside rising recovery estimates.
JCAP closed at $20.35, up 2.1%, sitting between its 50-day average of $20.89 and 200-day average of $20.15, a mixed trend picture. The GekkoIndex reads 59.2, placing the stock in the Neutral zone, down 6.7 over the past five sessions. Price stands 14.5% below Gekko Fair Value of $23.81, with the one-month return at -4.8% against a three-month gain of 8.5%.
JCAP's next earnings report is set for 12 November 2026, 30 days out and beyond a typical 20-trading-day window; the prior quarter produced adjusted EPS of $0.81 against a $0.63 estimate, with a 2.5% reaction, part of a streak of 5 beats in the last 6 quarters. No insider, Congress or unusual options activity appears in the recent windows. Two analysts carry buy ratings with a consensus target of $28.20, implying 38.6% consensus upside.
Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.
Jefferson Capital price vs fair value
Close $20.35200-day averageGekko Fair Value $23.81
Jefferson Capital quick facts
- Market cap
- $1.25B
- P/E ratio
- 21.9
- Forward P/E
- —
- EPS, TTM
- $0.91
- Revenue, TTM
- $642.7M
- Profit margin
- 24.1%
- Dividend yield
- 2.40%
- Beta
- —
- Volume
- 244,668 avg 283,297
- 1-year return
- +13.8%
- Typical daily move
- ±2.5%
- Typical 20-day move
- ±7.5%
- 50-day average
- $20.89
- 200-day average
- $20.15
- Next earnings
- Nov 12
- Shares outstanding
- 57.43M
Jefferson Capital swing-trade checklist
Jefferson Capital scores 2 supportive, 2 mixed and 0 headwinds across the 4 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
2 supportive2 mixed0 headwinds
- Trendmixed
Averages disagree
Close $20.35 sits between the 50-day ($20.89) and 200-day ($20.15) averages, or the averages disagree.
See the chart - GekkoIndexmixed
59.2, Neutral
Reading 59.2 is in the Neutral zone.
See the GekkoIndex - Fair valuesupportive
14.5% below
Price is 14.5% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings risksupportive
Reports in 31 days
Next report Nov 12, 2026, 31 days away — outside a typical 20-trading-day hold.
See earnings - Seasonalityno data
No data
Not enough years of history for a seasonal read.
A description of current data, not a recommendation. How this page works
Jefferson Capital stock chart and price history
Jefferson Capital closed at $20.35 on Oct 12, 2026, +13.8% over the past year, inside a 52-week range of $15.50 to $24.44.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −4.8%
- 3 months
- +8.5%
- 6 months
- +2.0%
- 1 year
- +13.8%
The full JCAP chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open JCAP in Gekko
Follow Jefferson Capital through every session
Put JCAP on a Gekko watchlist and see its GekkoIndex, Gekko Fair Value and smart money signals update on the chart as they change.
Track JCAP in GekkoFree for 7 days. No credit card required.
About Jefferson Capital
Jefferson Capital works in debt recovery, buying up pools of consumer accounts that banks and other lenders have already written off. It purchases these defaulted portfolios at a fraction of their face value and then works with the individual borrowers to settle what is owed. The debts it handles span credit card balances, car loans both secured and unsecured, and unpaid telecom and utility bills. It operates in the United States, the United Kingdom, Canada, and Latin America.
Beyond buying distressed debt outright, Jefferson Capital also provides loan administration and portfolio management services to credit originators, helping them handle their non-performing loans. Its customers therefore include both the original lenders seeking support with troubled accounts and the individual consumers working to resolve their debts.
Jefferson Capital was established in 2002 and is headquartered in Sartell, Minnesota. Its shares are listed on the NASDAQ under the ticker JCAP.
- Listed
- NASDAQ
- Sector
- Finance
- Industry
- Financial conglomerates
- Website
- jcap.com
Jefferson Capital GekkoIndex: the smart money zone
Jefferson Capital’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 59.2, in the Neutral zone, down 6.7 points over five sessions.
59.2Neutral
Down 6.7 points over five sessions, from the Accumulation zone.
Reading for Oct 12, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 27 | −2.0% | +5.8% | ||
| Accumulation | 95 | +0.4% | +2.4% | ||
| Neutral (current zone) | 174 | +0.8% | +0.6% | ||
| Distribution | 24 | −2.2% | −2.1% | ||
| Selling | 0 | Not available | |||
Average JCAP share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Neutral readings averaged +1.1% over 20 days. Past behaviour doesn’t guarantee future results.
Neutral zone: No clear directional signal. About the five zones →
See every daily GekkoIndex reading plotted over the JCAP price, zone by zone.Track JCAP in Gekko
Is Jefferson Capital stock overvalued? Gekko Fair Value
Jefferson Capital trades 14.5% below Gekko Fair Value of $23.81, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Jefferson Capital shares are worth, recalculated every trading day.
$23.81
Gekko Fair Value, Oct 10, 2026
14.5% Undervalued
At the end of Aug 2026 the price was 18.1% below the estimate.
Gekko Fair ValueShare price, month end
Gekko Fair Value on every chart, with the gap to price updating daily.Open JCAP in Gekko
Jefferson Capital insider and Congress trading
No open-market insider purchases were filed for Jefferson Capital, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in JCAP were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for JCAP, plotted on the chart in Gekko.Open JCAP in Gekko
Buybacks
Jefferson Capital has been buying back its own shares.
- Bought back, quarter ended Mar 31, 2026
- $58.91M
- As a share of market cap
- 4.70%
From company filings.
Jefferson Capital earnings: next date and track record
Jefferson Capital reports on Nov 12, 2026 (31 days away), and beat the EPS estimate in 5 of its last 6 reports.
Next earnings report
Nov 12, 2026
31 days away
- EPS estimate
- $0.70
- Revenue estimate
- $174.8M
5 of 6reports beat the EPS estimate
±4.4%average move across the report
3 of 5reports followed by a gain
Share-price move across each report
Last earnings call, Aug 12, 2026 AI summary
- What they said
- JCAP reported Q2 2026 collections of $301M, up 18% YoY, with deployments of $152M, up 21% YoY. Estimated remaining collections grew 18% to $3.4B. Adjusted EPS was $0.77, with a cash efficiency ratio of 72.2%. Leverage improved to 1.71x. Legal channel collections surged 54% YoY to $64M, with Bluestem and Conn's portfolios contributing $65M combined.
- Guidance
- Management expressed confidence in continued growth, citing near-record consumer credit balances and elevated charge-offs as sustaining portfolio supply. The auto finance segment, representing $1.69T in receivables, was highlighted as a significant emerging opportunity.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Aug 12, 2026 | $0.81 est $0.63 | $177.5M est $169.7M | +2.5% |
| May 14, 2026 | $0.73 est $0.68 | $176.4M est $169.3M | −4.2% |
| Mar 12, 2026 | $0.69 est $0.66 | $154.8M est $153.8M | −4.6% |
| Nov 13, 2025 | $0.79 est $0.62 | $150.8M est $153.9M | +9.4% |
| Aug 14, 2025 | $0.81 est $0.83 | $152.7M est $145.3M | +1.5% |
| May 28, 2025 | $0.97 est $0.00 | — | — |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Jefferson Capital stock forecast and analyst price targets
Analysts’ average 12-month price target for Jefferson Capital is $28.20, +38.6% from the last close, from 2 firms rating the stock in the last 90 days.
$28.20consensus 12-month target, +38.6% from the last close
Each firm’s latest rating in the last 90 days: 2 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Aug 17 | KBW | $30 | +47.4% |
| Aug 14 | Truist Financial | $30 | +47.4% |
| Aug 14 | Truist Financial | $30 | +47.4% |
+0.6%average 20-day move after past Neutral readings
±2.5%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Jefferson Capital market cap and key statistics
Jefferson Capital’s market cap is $1.25B, with a P/E ratio of 21.9 and revenue of $642.7M over the last twelve months.
Valuation
- Market cap
- $1.25B
- P/E ratio
- 21.9
- EPS, TTM
- $0.91
- Gekko Fair Value
- $23.81
Trading
- Volume
- 244,668
- Avg volume, 20 days
- 283,297
- 52-week high
- $24.44
- 52-week low
- $15.50
- Shares outstanding
- 57.43M
Financials
- Revenue, TTM
- $642.7M
- Profit margin
- 24.1%
- Return on equity
- 34.9%
- Quarterly earnings growth, YoY
- −96.0%
Risk and income
- Typical daily move
- ±2.5%
- Typical 20-day move
- ±7.5%
- Dividend yield
- 2.40%
Jefferson Capital stock news this week
2 headlines about Jefferson Capital from the past week, newest first, each linking to the publisher.
Jefferson Capital peers
Jefferson Capital’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| BMNRBitMine Immersion Technologies | Accumulation | 24.7% below |
| MAINMain Street Capital | Accumulation | 7.8% below |
| KYIVKyivstar | Buying | 48.7% below |
| PURRHyperliquid Strategies | Accumulation | 30.3% below |
| IGICInternational General Insurance | Accumulation | 11.9% below |
| MTAMetalla Royalty & Streaming | Accumulation | 7.5% below |
A peer links to its own page where one exists.
Jefferson Capital stock FAQ
What is Jefferson Capital’s market cap?
Jefferson Capital’s market cap is $1.25B at the Oct 12, 2026 close of $20.35, with 57.43M shares outstanding. The shares trade on a P/E ratio of 21.9.
What is the Jefferson Capital stock forecast?
The consensus analyst 12-month price target for Jefferson Capital is $28.20, +38.6% from the last close. Of the 2 firms that rated the stock in the last 90 days, 2 rate it a buy, 0 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is Jefferson Capital stock overvalued or undervalued?
On Gekko’s estimate Jefferson Capital is undervalued: the Oct 12, 2026 close of $20.35 is 14.5% below Gekko Fair Value of $23.81. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Jefferson Capital report earnings next?
Jefferson Capital is expected to report on Nov 12, 2026 (31 days away). Analysts expect earnings of $0.70 per share on revenue of $174.8M. Jefferson Capital beat the earnings estimate in 5 of its last 6 reports, moving 4.4% on average across the report.
What is Jefferson Capital’s 52-week high and low?
Jefferson Capital’s 52-week high is $24.44 and its 52-week low is $15.50; it closed at $20.35 on Oct 12, 2026, +13.8% over the past year.
Is Jefferson Capital stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 2 of the 4 items with data read as supportive (fair value and earnings risk), 2 as mixed (trend and gekkoindex). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
See Jefferson Capital the way Gekko members do
Every GekkoIndex reading, insider trade, options bet and Congress disclosure plotted on the chart, plus the 5,800-name screener and trade planning tools.
Join 1,408 other traders using Gekko
Start Your FREE 7 Day Trial → Every feature unlocked. No credit card required.