Jefferson Capital, Inc. / De (JCAP) intrinsic value & 10-year financials
Jefferson Capital, Inc. / De (JCAP) has a Graham intrinsic value of $187.34 per share. At $20.53 on Oct 17, 2026, the stock trades 89% below that value. Over the last 4 fiscal years revenue grew 37.8% a year to $613.3M, with an average return on invested capital of 43.7%.
- Graham intrinsic value
- $187.34
- Share price (Oct 17, 2026)
- $20.53
- Price vs Graham value
- 89% below
- Market cap
- $616.2M
- Revenue (FY2025)
- $613.3M
- Revenue growth (4-yr CAGR)
- 37.8%
- ROIC (10-yr avg)
- 43.7%
- Free cash flow (FY2025)
- —
JCAP 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $613.3M | $188.0M | $5.64 | — | 51.6% | 12.3% |
| FY2024 | $433.3M | $128.9M | — | — | 50.8% | 60.2% |
| FY2023 | $323.1M | $111.5M | — | — | 50.8% | 58.5% |
| FY2022 | — | — | — | — | — | — |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
Jefferson Capital, Inc. / DE revenue growth over the past decade is N/A; insufficient history prevents a reliable 10-year CAGR calculation.
Jefferson Capital, Inc. / DE has earned high returns on invested capital, averaging 43.7% ROIC over the available history. High ROIC is consistent with a durable franchise, but it is not by itself proof of an economic moat.
Jefferson Capital, Inc. / DE capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, Jefferson Capital, Inc. / DE is modeled at 15.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $187.34 per share.