Jefferson Capital (JCAP) financial statements
Jefferson Capital reported revenue of $613M in fiscal 2025, up 37.8% a year over 2 years.
Net income was $188M and the operating margin 51.6%, against 50.8% in 2023.
Free cash flow was $268M, and the company returned $63M in dividends.
Revenue and free cash flow
Fiscal years, $ billions.
Income statement
Fiscal years, from Jefferson Capital's 10-K filings with the SEC.
| Fiscal year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | $323M | $433M | $613M |
| Operating income | $164M | $220M | $316M |
| Interest expense | $48M | $77M | $106M |
| Pre-tax income | $121M | $138M | $218M |
| Income tax | $9M | $9M | $30M |
| Net income | $112M | $129M | $188M |
| EPS (diluted) | — | — | $5.64 |
| Diluted shares | — | — | 30M |
| Operating margin | 50.8% | 50.8% | 51.6% |
| Net margin | 34.5% | 29.7% | 30.6% |
Balance sheet
Fiscal years, from Jefferson Capital's 10-K filings with the SEC.
| Fiscal year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Cash and short-term investments | $14M | $36M | $23M |
| Property, plant and equipment | — | $2M | $2M |
| Goodwill | $57M | $58M | $58M |
| Total assets | — | $1.7B | $2.1B |
| Total liabilities | — | $1.3B | $1.6B |
| Shareholders' equity | $304M | $383M | $476M |
| Net debt | -$14M | -$36M | -$23M |
Cash flow
Fiscal years, from Jefferson Capital's 10-K filings with the SEC.
| Fiscal year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating cash flow | $120M | $168M | $269M |
| Capital spending | $1M | $6M | $1M |
| Free cash flow | $119M | $162M | $268M |
| Stock-based compensation | $1M | $0 | $17M |
| Dividends paid | $31M | $36M | $63M |
| Free cash flow margin | 36.8% | 37.4% | 43.7% |
| Dividends per share | — | — | $2.11 |
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Open JCAP in InvestinglyQuestions
What was Jefferson Capital's revenue in 2025?
$613M in fiscal 2025, from its 10-K filing.
How much free cash flow does Jefferson Capital generate?
$268M in fiscal 2025 (operating cash flow minus capital spending).
From Jefferson Capital's annual reports filed with the SEC (XBRL data), standardised by Investingly. Information only, not investment advice.