Jefferson Capital, Inc. / DE (JCAP) reported revenue of $613.29M and net income of $187.96M for the fiscal year ended 2025-12-31. This page shows 3 annual periods of income statement, balance sheet and cash flow figures normalized from Jefferson Capital, Inc. / DE’s SEC filings, each linked to the filing it came from. It is classified by the SEC under Short-Term Business Credit Institutions.
Banks, brokers and insurers present a top line that is not comparable with an operating company’s revenue: it is reported net of interest expense, or as premiums earned, depending on the filer. The figures are the filer’s own and are traceable to the filing; the comparison across classes is what does not hold.
Income
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Revenue | $613.29M | $433.34M | $323.07M |
| Cost of revenue | Unavailable | Unavailable | Unavailable |
| Gross profit | Unavailable | Unavailable | Unavailable |
| Operating income | $316.50M | $220.27M | $164.05M |
| Net income | $187.96M | $128.89M | $111.52M |
| Research & development | Unavailable | Unavailable | Unavailable |
| Weighted-average diluted shares | shares 30.02M | Unavailable | Unavailable |
| Pretax income | $218.44M | $137.55M | $120.58M |
| Income tax expense | $30.47M | $8.66M | $9.04M |
| Diluted EPS | $5.64 | Unavailable | Unavailable |
| Selling, general & administrative | Unavailable | Unavailable | Unavailable |
| General & administrative | Unavailable | Unavailable | Unavailable |
| Selling & marketing | Unavailable | Unavailable | Unavailable |
Balance
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash & equivalents | $23.23M | $35.51M | $14.37M |
| Total assets | $2.09B | $1.65B | Unavailable |
| Current assets | Unavailable | Unavailable | Unavailable |
| Total liabilities | $1.61B | $1.27B | Unavailable |
| Current liabilities | Unavailable | Unavailable | Unavailable |
| Total equity incl. NCI | $476.14M | $382.53M | $303.59M |
| Temporary (mezzanine) equity | Unavailable | Unavailable | Unavailable |
| Inventory | Unavailable | Unavailable | Unavailable |
| Accounts receivable | $12.24M | $16.53M | Unavailable |
| Goodwill | $58.01M | $57.68M | $57.17M |
| Long-term debt | $1.75B | Unavailable | Unavailable |
| Accounts payable | Unavailable | Unavailable | Unavailable |
Cash flow
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Operating cash flow | $268.81M | $168.21M | $120.22M |
| Capital expenditures | Unavailable | Unavailable | Unavailable |
| Investing cash flow | -$401.94M | -$542.36M | -$403.41M |
| Financing cash flow | $149.70M | $388.82M | $289.86M |
| Net change in cash | $9.31M | $17.64M | $5.45M |
| Stock-based compensation | $17.22M | $0 | Unavailable |
| Common dividends paid | $63.46M | $36.00M | $30.56M |
| Common share repurchases | Unavailable | Unavailable | Unavailable |
| Depreciation & amortization | $5.25M | $2.61M | $2.37M |
Derived
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Free cash flow | Unavailable | Unavailable | Unavailable |
| Gross margin | Unavailable | Unavailable | Unavailable |
| Operating margin | 51.6% | 50.8% | 50.8% |
| FCF margin | Unavailable | Unavailable | Unavailable |
| SBC / revenue | 2.8% | 0.0% | Unavailable |
| Current ratio | Unavailable | Unavailable | Unavailable |
| Revenue YoY growth | 41.5% | 34.1% | Unavailable |
| Net margin | 30.6% | 29.7% | 34.5% |
| R&D / revenue | Unavailable | Unavailable | Unavailable |
| CapEx / revenue | Unavailable | Unavailable | Unavailable |
| Long-term debt / equity | Unavailable | Unavailable | Unavailable |
| Effective tax rate | 13.9% | 6.3% | 7.5% |
Amounts are abbreviated; the exact reported value is carried in each cell. — means unavailable, not zero. Open JCAP in the interactive workspace to inspect any figure back to its filing.
Source filings
Every accounting identity this site checks — the balance sheet, the gross profit bridge and the cash flow statement — reconciles in every period shown.