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    Jefferson Capital (JCAP)

    Market Price (11/7/2026): $19.89 | Market Cap: $1.1 BilSector: Financials | Industry: Consumer Finance

    Jefferson Capital (JCAP)

    Market Price (11/7/2026): $19.89
    Market Cap: $1.1 Bil
    Sector: Financials
    Industry: Consumer Finance

    Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

    0

    Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 20%, Dividend Yield is 5.5%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 15%, FCF Yield is 20%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 34%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 33%

    Low stock price volatility
    Vol 12M is 36%

    Megatrend and thematic drivers
    Megatrends include Digital & Alternative Assets. Themes include Private Credit.

    Weak multi-year price returns
    2Y Excs Rtn is -20%, 3Y Excs Rtn is -68%

    Debt is significant
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 126%

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 20%, Dividend Yield is 5.5%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 15%, FCF Yield is 20%
    1 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 34%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 33%
    2 Low stock price volatility
    Vol 12M is 36%
    3 Megatrend and thematic drivers
    Megatrends include Digital & Alternative Assets. Themes include Private Credit.
    4 Weak multi-year price returns
    2Y Excs Rtn is -20%, 3Y Excs Rtn is -68%
    5 Debt is significant
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 126%

    JCAP in ETFs

    Weight = JCAP's share of each fund

    VTI0.00%
    IWM0.01%
    NUSC0.03%
    AVUV0.03%
    IWO0.02%
    VTWO0.01%
    SCHA0.01%
    IWN0.01%
    +3 more covered ETFs

    Valuation & Metrics

    FYE: 12/31JCAP [1]S&P 500 [2]
    REVENUE GROWTH
    LTM Revenue [3]$659.6 Mil—
    FY 2026 Sales$708.7 Mil—
    FY 2027 Sales$739.6 Mil—
    FY 2026 Sales Growth7.4%—
    FY 2027 Sales Growth4.4%8.7%
    EARNINGS
    LTM Net Income (GAAP) [3]$155.0 Mil—
    FY 2026 Net Income (Non-GAAP)$88.9 Mil—
    FY 2027 Net Income (Non-GAAP)$91.9 Mil—
    FY 2027 Net Income Growth3.3%13.9%
    FY 2026 EPS (Non-GAAP)$2.97—
    FY 2027 EPS (Non-GAAP)$3.06—
    FY 2027 EPS Growth3.1%—
    VALUATION
    FY 2026 P/S1.61.7
    FY 2027 P/S1.5—
    FY 2026 P/E12.88.7
    FY 2027 P/E12.4—

    [1] JCAP forward figures are analyst consensus for the next two fiscal years (fiscal year end 12/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
    [2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 11/30/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
    [3] LTM = reported trailing-twelve-month actuals (GAAP).
    JCAPS&P 500
    REVENUE GROWTHVERY GOOD
    Rev LTM ($ Bil)0.7
    Rev Chg Q16.3%8.7%
    Rev Chg LTM22.8%8.6%
    Rev Chg 3Y Avg22.8%6.4%
    PROFITABILITYVERY GOOD
    Op Inc LTM ($ Bil)0.3
    CFO LTM ($ Bil)0.2
    Net Inc LTM ($ Bil)0.2
    Op Mgn LTM40.1%19.0%
    CFO/Rev LTM33.5%21.4%
    Net Inc Mgn23.5%13.5%
    VALUATIONVERY LOW
    P/S1.73.1
    P/CFO5.015.2
    P/FCF5.020.1
    P/E7.121.8

    AI Analysis | Feedback

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    Price Chart

    Upcoming
    11/12/2026Earnings ReleaseRev: $174 Mil (E)
    EPS: $0.72 (E)

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 11/5/2026

    Jefferson Capital (JCAP) stock has remained largely at the same level since 7/31/2026 because of the following key factors:

    1. Strong Fiscal Q2 2026 Earnings Beat. Jefferson Capital (JCAP) reported robust financial results for its fiscal Q2 2026, which ended June 30, 2026. On August 13, 2026, the company announced an adjusted earnings per share (EPS) of $0.77, surpassing analyst expectations of $0.69 by 11.59%. This positive surprise was driven by a 17.7% year-over-year increase in total collections, reaching $300.9 million, and a 17.9% rise in Estimated Remaining Collections (ERC) to $3.36 billion. Furthermore, total revenues for the quarter climbed to $177.5 million from $152.7 million in the prior year.

    2. Successful Capital Raising through Senior Notes Offering. In August 2026, Jefferson Capital strengthened its financial position by successfully completing a debt offering. The company announced and priced $100 million of senior notes due in 2030 on August 18, 2026. This strategic move provided additional capital, likely for ongoing portfolio acquisitions and operational funding, which typically signals confidence in future growth prospects to investors.

    Show more
    Updated on 11/5/2026

    Jefferson Capital (JCAP) stock has remained largely at the same level since 7/31/2026 because of the following key factors:

    1. Strong Fiscal Q2 2026 Earnings Beat. Jefferson Capital (JCAP) reported robust financial results for its fiscal Q2 2026, which ended June 30, 2026. On August 13, 2026, the company announced an adjusted earnings per share (EPS) of $0.77, surpassing analyst expectations of $0.69 by 11.59%. This positive surprise was driven by a 17.7% year-over-year increase in total collections, reaching $300.9 million, and a 17.9% rise in Estimated Remaining Collections (ERC) to $3.36 billion. Furthermore, total revenues for the quarter climbed to $177.5 million from $152.7 million in the prior year.

    2. Successful Capital Raising through Senior Notes Offering. In August 2026, Jefferson Capital strengthened its financial position by successfully completing a debt offering. The company announced and priced $100 million of senior notes due in 2030 on August 18, 2026. This strategic move provided additional capital, likely for ongoing portfolio acquisitions and operational funding, which typically signals confidence in future growth prospects to investors.

    3. Multiple Analyst Price Target Upgrades. Following the release of the strong fiscal Q2 2026 results, several financial analysts upgraded their price targets for JCAP in mid-August 2026. For example, Truist and Keefe Bruyette both raised their price targets to $30, from $26 and $28 respectively. Raymond James also increased its target to $24 from $21, and Citizens raised its target to $28 from $26. These upgrades, collectively contributing to an average analyst "Buy" rating and a consensus 12-month price target of $28.2, indicated increased confidence in JCAP's future performance and value.

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    Stock Movement Drivers

    Fundamental Drivers

    The -0.3% change in JCAP stock from 7/31/2026 to 11/6/2026 was primarily driven by a -7.6% change in the company's Net Income Margin (%).
    (LTM values as of)731202611062026Change
    Stock Price ($)19.8919.83-0.3%
    Change Contribution By: 
    Total Revenues ($ Mil)6356603.9%
    Net Income Margin (%)25.4%23.5%-7.6%
    P/E Multiple6.97.13.6%
    Shares Outstanding (Mil)56560.1%
    Cumulative Contribution-0.3%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    7/31/2026 to 11/6/2026
    ReturnCorrelation
    JCAP-0.3% 
    Market (SPY)-1.6%14.7%
    Sector (XLF)0.4%31.5%

    Fundamental Drivers

    The -2.0% change in JCAP stock from 4/30/2026 to 11/6/2026 was primarily driven by a -23.3% change in the company's Net Income Margin (%).
    (LTM values as of)430202611062026Change
    Stock Price ($)20.2319.83-2.0%
    Change Contribution By: 
    Total Revenues ($ Mil)6136607.6%
    Net Income Margin (%)30.6%23.5%-23.3%
    P/E Multiple6.37.113.2%
    Shares Outstanding (Mil)58565.0%
    Cumulative Contribution-2.0%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    4/30/2026 to 11/6/2026
    ReturnCorrelation
    JCAP-2.0% 
    Market (SPY)2.6%8.6%
    Sector (XLF)10.0%33.8%

    Fundamental Drivers

    The 10.2% change in JCAP stock from 10/31/2025 to 11/6/2026 was primarily driven by a 0.0% change in the company's P/E Multiple.
    (LTM values as of)1031202511062026Change
    Stock Price ($)17.9919.8310.2%
    Change Contribution By: 
    Total Revenues ($ Mil)�6600.0%
    Net Income Margin (%)�23.5%0.0%
    P/E Multiple�7.10.0%
    Shares Outstanding (Mil)58565.0%
    Cumulative Contribution0.0%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    10/31/2025 to 11/6/2026
    ReturnCorrelation
    JCAP10.2% 
    Market (SPY)8.7%23.4%
    Sector (XLF)10.5%34.0%

    Fundamental Drivers

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    Market Drivers

    10/31/2023 to 11/6/2026
    ReturnCorrelation
    JCAP  
    Market (SPY)81.9%28.3%
    Sector (XLF)84.4%33.5%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    JCAP Return----23%-8%14%
    Peers Return59%-23%17%2%8%1%58%
    S&P 500 Return27%-19%24%23%16%12%105%

    Monthly Win Rates [3]
    JCAP Win Rate----57%55% 
    Peers Win Rate73%38%55%43%55%53% 
    S&P 500 Win Rate75%42%67%75%67%45% 

    Max Drawdowns [4]
    JCAP Max Drawdown------32% 
    Peers Max Drawdown-20%-39%-38%-24%-35%-33% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: ECPG, PRAA, NAVI, SLM, OMF.
    [3] Win Rate = % of calendar months in which monthly returns were positive
    [4] Max drawdown represents maximum peak-to-trough decline within a year
    [5] 2026 data is for the year up to 11/6/2026 (YTD)

    How Low Can It Go

    JCAP has limited trading history. Below is the Financials sector ETF (XLF) in its place.

    EventXLFS&P 500
    2025 US Tariff Shock
      % Loss-15.5%-18.8%
      % Gain to Breakeven18.4%23.1%
      Time to Breakeven80 days79 days
    Summer-Fall 2023 Five Percent Yield Shock
      % Loss-10.7%-9.5%
      % Gain to Breakeven12.0%10.5%
      Time to Breakeven26 days24 days
    2023 SVB Regional Banking Crisis
      % Loss-16.1%-6.7%
      % Gain to Breakeven19.1%7.1%
      Time to Breakeven270 days31 days
    2022 Inflation Shock & Fed Tightening
      % Loss-22.3%-24.5%
      % Gain to Breakeven28.6%32.4%
      Time to Breakeven467 days427 days
    2020 COVID-19 Crash
      % Loss-42.8%-33.7%
      % Gain to Breakeven74.8%50.9%
      Time to Breakeven289 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-19.7%-19.2%
      % Gain to Breakeven24.5%23.8%
      Time to Breakeven123 days105 days

    Compare to ECPG, PRAA, NAVI, SLM, OMF

    In The Past

    State Street Financial Select Sector SPDR ETF's stock fell -15.5% during the 2025 US Tariff Shock. Such a loss loss requires a 18.4% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    JCAP has limited trading history. Below is the Financials sector ETF (XLF) in its place.

    EventXLFS&P 500
    2022 Inflation Shock & Fed Tightening
      % Loss-22.3%-24.5%
      % Gain to Breakeven28.6%32.4%
      Time to Breakeven467 days427 days
    2020 COVID-19 Crash
      % Loss-42.8%-33.7%
      % Gain to Breakeven74.8%50.9%
      Time to Breakeven289 days140 days
    2015-2016 China Devaluation / Global Growth Scare
      % Loss-21.4%-12.2%
      % Gain to Breakeven27.3%13.9%
      Time to Breakeven272 days62 days
    2011 US Debt Ceiling Crisis & European Contagion
      % Loss-26.1%-17.9%
      % Gain to Breakeven35.3%21.8%
      Time to Breakeven162 days123 days
    2008-2009 Global Financial Crisis
      % Loss-78.3%-53.4%
      % Gain to Breakeven359.8%114.4%
      Time to Breakeven2329 days1085 days

    Compare to ECPG, PRAA, NAVI, SLM, OMF

    In The Past

    State Street Financial Select Sector SPDR ETF's stock fell -15.5% during the 2025 US Tariff Shock. Such a loss loss requires a 18.4% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    About Jefferson Capital (JCAP)

    Jernigan Capital, Inc. (JCAP) operates as an equity real estate investment trust (REIT) specializing in the self-storage sector. As a REIT, the company primarily invests in and owns real estate properties designed for self-storage. Its business model allows investors to participate in the ownership and operation of income-producing real estate without directly owning the properties themselves.

    The company's main offering involves developing, acquiring, and managing self-storage facilities throughout the United States. Essentially, Jernigan Capital provides rental units for individuals and businesses seeking secure and accessible storage space. Its primary customers include individuals needing to store personal belongings due to moving, downsizing, or decluttering, as well as businesses requiring space for inventory, equipment, or documents. The company serves the broad U.S. domestic market seeking flexible and convenient storage solutions.

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    AI Analysis | Feedback

    • Self-storage unit rentals: Provides rentable storage spaces of various sizes for individuals and businesses to store their personal or commercial items.
    • Real estate investment in self-storage facilities: Acquires, develops, and manages self-storage properties as an equity real estate investment trust, generating revenue from rental income and property appreciation.

    AI Analysis | Feedback

    Based on the description provided for Jernigan Capital, Inc., which invests in and owns self-storage facilities, its major customers are the tenants who rent storage units. The company primarily sells its services to individuals and businesses requiring temporary or long-term storage solutions.

    The up to three main categories of customers are:

    1. Individuals and Households: This is the largest customer segment, comprising people who need storage for personal reasons. This includes individuals undergoing life transitions such as moving, downsizing, divorce, or dealing with an estate. Other common uses include decluttering, storing seasonal items (holiday decorations, sports equipment), or safeguarding belongings during home renovations or travel.

    2. Small and Medium-sized Businesses (SMBs): Businesses often utilize self-storage for various operational needs. This can include storing inventory (especially for e-commerce, retail, or contractors), archiving important documents and records, keeping tools and equipment secure, or holding excess supplies and merchandise. These businesses benefit from the flexibility and cost-effectiveness compared to traditional warehouse space.

    3. Students: College and university students frequently use self-storage units to store their belongings during summer breaks, study abroad programs, or when transitioning between dorms or apartments. This provides a convenient and often more affordable solution than transporting items long distances or leaving them in temporary housing.

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    Jefferson Capital (JCAP) operates primarily in the debt recovery solutions and consumer receivables market, purchasing portfolios of charged-off consumer receivables and providing debt servicing. The addressable markets for these services in the regions where the company operates are as follows:

    • United States: The market size for Debt Collection Agencies in the U.S. is estimated at $13.6 billion in 2025. The Debt Collection Services market in the United States is projected at $9.63 billion in 2025.
    • United Kingdom: The market size for Debt Collection Agencies in the UK is £2.0 billion (approximately $2.54 billion USD at current exchange rates) in 2025.
    • Canada: The Debt Collection Agencies market in Canada is valued at $955.7 million in 2026.
    • Latin America: The Debt Collection Services market in Latin America is estimated to be $1.53 billion in 2025.

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    Peer Outperformance in Consumer Finance

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    Share of Consumer Finance constituents that JCAP has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
    1Y
    59%
    of 32 industry peers · 7.7% return
    3Y
    —
    insufficient peer history
    5Y
    —
    insufficient peer history
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    Median price return by industry across the Financials sector, ranked by 5Y. Consumer Finance is JCAP's own industry. Use this to see which corners of the sector have carried the returns.
    Industry Names 1Y med3Y med5Y med Top 3 by 5Y
    Reinsurance 6 31.5%72.2%120.1% SPNT 168% · RGA 162% · RNR 136%
    Diversified Banks 12 29.5%141.7%89.7% CM 143% · RY 126% · JPM 125%
    Investment Banking & Brokerage 13 -5.2%88.4%87.0% IBKR 322% · SNEX 156% · GS 140%
    Life & Health Insurance 20 10.9%59.8%74.8% JXN 510% · UNM 237% · FG 211%
    Property & Casualty Insurance 42 16.1%74.6%65.5% TRV 172% · PGR 165% · ACGL 160%
    Multi-Sector Holdings 3 9.4%56.0%60.3% BRK-B 98% · VOYA 60% · JEF 34%
    Multi-line Insurance 9 6.3%69.1%56.4% AIZ 105% · GNW 99% · L 95%
    Regional Banks 264 31.1%86.2%47.1% CBC 272% · FCNCA 172% · NIC 137%
    Insurance Brokers 15 3.4%11.0%31.9% LIFE 298% · ARX 89% · WTW 52%
    Financial Exchanges & Data 15 18.3%33.9%22.5% CBOE 183% · VIRT 130% · CME 70%
    Asset Management & Custody Banks 84 -6.0%20.9%14.0% VCTR 229% · WT 212% · AAMI 204%
    Consumer Finance ← 30 3.3%80.6%5.0% ENVA 326% · FCFS 128% · AXP 93%
    Commercial & Residential Mortgage Finance 14 -44.3%34.3%2.1% FNMA 344% · FMCC 301% · ACT 151%
    Diversified Financial Services 4 -4.1%19.9%-1.4% FRHC 155% · EQH 70%
    Specialized Finance 3 27.2%28.6%-21.2% HASI -21% · CACC -23%
    Transaction & Payment Processing Services 17 20.1%9.6%-27.5% V 103% · MA 93% · CPAY 86%
    Mortgage REITs 35 -18.6%-10.0%-39.4% RITM 33% · DX 16% · AGNC 10%
    Diversified Capital Markets 20 -44.1%-6.5%-68.1% LPLA 80% · TW 38% · RIOT -47%
    Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

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    Peer Comparisons

    Peers to compare with:

    Financials

    JCAPECPGPRAANAVISLMOMFMedian
    NameJefferso.Encore C.PRA Navient SLM OneMain  
    Mkt Price19.89115.6512.928.4116.9356.3018.41
    Mkt Cap1.12.50.50.83.16.51.8
    Rev LTM6601,9851,3436001,7915,2111,567
    Op Inc LTM265775347---347
    FCF LTM221151-38340-3823,212186
    FCF 3Y Avg-132-74476-3572,952132
    CFO LTM221176-31340-3823,212199
    CFO 3Y Avg-169-69476-3572,952169

    Growth & Margins

    JCAPECPGPRAANAVISLMOMFMedian
    NameJefferso.Encore C.PRA Navient SLM OneMain  
    Rev Chg LTM22.8%27.2%17.6%-18.9%-6.7%7.0%12.3%
    Rev Chg 3Y Avg-19.1%16.9%-22.9%1.9%7.2%7.2%
    Rev Chg Q16.3%18.3%29.1%-3.8%-31.2%6.6%11.4%
    QoQ Delta Rev Chg LTM3.9%4.4%6.7%-1.0%-8.7%1.6%2.8%
    Op Inc Chg LTM9.5%76.8%67.8%---67.8%
    Op Inc Chg 3Y Avg-49.9%368.2%---209.0%
    Op Mgn LTM40.1%39.0%25.8%---39.0%
    Op Mgn 3Y Avg-30.7%15.9%---23.3%
    QoQ Delta Op Mgn LTM-1.6%1.3%4.0%---1.3%
    CFO/Rev LTM33.5%8.9%-2.3%56.7%-21.3%61.6%21.2%
    CFO/Rev 3Y Avg-10.6%-6.5%52.8%-19.2%60.9%10.6%
    FCF/Rev LTM33.4%7.6%-2.8%56.7%-21.3%61.6%20.5%
    FCF/Rev 3Y Avg-8.2%-7.0%52.8%-19.2%60.9%8.2%

    Valuation

    JCAPECPGPRAANAVISLMOMFMedian
    NameJefferso.Encore C.PRA Navient SLM OneMain  
    Mkt Cap1.12.50.50.83.16.51.8
    P/S1.71.20.41.31.81.21.3
    P/Op Inc4.23.21.4---3.2
    P/EBIT4.23.4-6.7---3.4
    P/E7.17.0-1.9-16.15.58.46.3
    P/CFO5.014.0-15.72.3-8.22.02.2
    Total Yield19.6%14.4%-53.8%1.5%21.2%19.6%17.0%
    Dividend Yield5.5%0.0%0.0%7.7%3.2%7.7%4.3%
    FCF Yield 3Y Avg-10.4%-10.6%35.4%-7.4%47.4%10.4%
    D/E1.31.77.755.52.03.72.9
    Net D/E1.31.77.154.51.43.52.6

    Returns

    JCAPECPGPRAANAVISLMOMFMedian
    NameJefferso.Encore C.PRA Navient SLM OneMain  
    1M Rtn-0.6%16.5%-36.3%-6.9%-25.1%0.4%-3.8%
    3M Rtn-5.2%15.4%-34.7%-5.7%-37.8%-11.9%-8.8%
    6M Rtn2.2%37.9%-32.6%2.3%-23.8%4.0%2.2%
    12M Rtn8.1%144.9%-5.4%-22.7%-35.3%1.9%-1.8%
    3Y Rtn14.1%163.3%-23.5%-42.4%20.5%87.1%17.3%
    1M Excs Rtn0.7%16.6%-35.4%-8.2%-24.3%0.8%-3.8%
    3M Excs Rtn-3.8%22.7%-31.0%1.9%-36.9%-10.0%-6.9%
    6M Excs Rtn-1.8%33.9%-36.6%-1.6%-27.7%0.0%-1.7%
    12M Excs Rtn-6.9%157.2%-17.8%-37.2%-49.9%-13.8%-15.8%
    3Y Excs Rtn-67.6%126.5%-77.5%-119.6%-47.4%15.0%-57.5%

    Comparison Analyses

    null

    Financials

    $ Mil | FY: 12/312026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q1
    Period End6/30/20263/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/2024
    Filing Date8/13/20265/14/20263/13/202611/14/20258/14/20256/27/20256/27/202511/14/20258/14/20256/27/2025
    Key Financials Quarterly          
    Total Revenue178176155151153155119111104100
    Net Income41383838486427373233
    EPS0.670.610.580.5918.611.100.460.630.550.56
    Key Financials TTM          
    Total Revenue TTM660635613577537488433---
    Net Income TTM155161188177176160129---
    Growth Rates Quarterly          
    Total Revenue Growth16.3%13.9%30.1%36.4%47.1%55.0%----
    Net Income Growth-13.3%-41.4%40.0%4.0%48.1%95.2%----
    Margins Quarterly          
    Net Income Margin23.3%21.3%24.4%25.4%31.2%41.5%22.7%33.3%31.0%32.9%
    Cash & Debt          
    Total Cash20262342522736---
    Total Debt1,4061,4371,4091,1871,1861,2081,195000
    Net Debt / (Cash)1,3851,4111,3861,1451,1351,1801,159---
    Cash Flows Quarterly          
    FCF from Operations4340756379527784835
    Cash Flows TTM          
    FCF from Operations TTM221257269271216184168---
    Returns to Shareholders Quarterly          
    Dividends30016161616162000
    Share Repurchases-059-0-0-0-0-0-0-0-0
    Return on Invested Capital (ROIC) Quarterly          
    ROIC16.6%14.3%15.3%17.7%20.3%23.6%13.4%---
    Return on Invested Capital (ROIC) TTM          
    ROIC TTM15.3%15.0%16.8%19.1%19.0%16.4%14.3%---

    Segment Financials

    Revenue by Segment
    $ Mil202520242023
    Single Segment613433323
    Total613433323


    Price Behavior

    Price Behavior
    Market Price$19.83 
    Market Cap ($ Bil)1.1 
    First Trading Date03/27/2015 
    Distance from 52W High-16.5% 
       50 Days200 Days
    DMA Price$20.32$19.62
    DMA Trenddowndown
    Distance from DMA-2.4%1.1%
     3M1YR
    Volatility35.9%35.8%
    Downside Capture70.5564.09
    Upside Capture63.8666.22
    Correlation (S&P 500)25.1%27.1%
    JCAP Betas & Captures as of 10/31/2026

     1M2M3M6M1Y3Y
    Beta0.490.580.750.320.72-0.21
    Up Beta-0.28-0.800.350.110.650.10
    Down Beta1.641.302.090.251.060.40
    Up Capture37%38%45%31%57%10%
    Bmk +ve Days12182862130427
    Stock +ve Days10172655121161
    Down Capture-17%77%58%54%69%60%
    Bmk -ve Days10253664121325
    Stock -ve Days12263871129174

    [1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
    Based On 1-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with JCAP
    JCAP6.0%35.8%0.22-
    Sector ETF (XLF)10.0%15.3%0.4134.1%
    Equity (SPY)9.5%13.6%0.4023.8%
    Gold (GLD)1.6%28.7%0.056.8%
    Commodities (DBC)38.4%21.2%1.42-19.8%
    Real Estate (VNQ)11.3%14.2%0.5131.4%
    Bitcoin (BTCUSD)-26.9%43.6%-0.6015.2%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 5-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with JCAP
    JCAP2.6%35.3%0.32-
    Sector ETF (XLF)9.0%18.4%0.3533.5%
    Equity (SPY)11.3%17.3%0.4828.3%
    Gold (GLD)17.5%19.1%0.742.4%
    Commodities (DBC)8.1%19.6%0.30-15.9%
    Real Estate (VNQ)1.3%18.9%-0.0426.5%
    Bitcoin (BTCUSD)4.1%51.6%0.2617.7%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 10-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with JCAP
    JCAP1.3%35.3%0.32-
    Sector ETF (XLF)13.2%22.1%0.5433.5%
    Equity (SPY)15.0%18.0%0.7028.3%
    Gold (GLD)11.9%16.5%0.592.4%
    Commodities (DBC)7.5%18.1%0.33-15.9%
    Real Estate (VNQ)5.9%20.7%0.2426.5%
    Bitcoin (BTCUSD)60.1%66.3%1.0017.7%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How

    Short Interest

    Short Interest: As Of Date10152026
    Short Interest: Shares Quantity1.1 Mil
    Short Interest: % Change Since 930202626.1%
    Average Daily Volume0.3 Mil
    Days-to-Cover Short Interest4.2 days
    Basic Shares Quantity55.5 Mil
    Short % of Basic Shares2.0%

    Earnings Returns History

    Updated 9/16/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    8/13/202611.1%3.4%0.6%
    5/14/2026-4.4%-7.0%-11.5%
    3/12/2026-2.7%-0.5%-0.7%
    11/13/20256.6%-0.1%7.6%
    8/14/2025-1.3%-5.1%-4.7%
    SUMMARY STATS   
    # Positive212
    # Negative343
    Median Positive8.8%3.4%4.1%
    Median Negative-2.7%-2.8%-4.7%
    Max Positive11.1%3.4%7.6%
    Max Negative-4.4%-7.0%-11.5%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    8/13/202611.1%3.4%0.6%
    5/14/2026-4.4%-7.0%-11.5%
    3/12/2026-2.7%-0.5%-0.7%
    11/13/20256.6%-0.1%7.6%
    8/14/2025-1.3%-5.1%-4.7%
    SUMMARY STATS   
    # Positive212
    # Negative343
    Median Positive8.8%3.4%4.1%
    Median Negative-2.7%-2.8%-4.7%
    Max Positive11.1%3.4%7.6%
    Max Negative-4.4%-7.0%-11.5%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    06/30/202608/13/202610-Q
    03/31/202605/14/202610-Q
    12/31/202503/13/202610-K
    09/30/202511/14/202510-Q
    06/30/202508/14/202510-Q
    03/31/202506/27/2025424B4
    12/31/202302/05/2025DRS/A
     Collapse to Preview
    Report DateFiling DateFiling
    06/30/202608/13/202610-Q
    03/31/202605/14/202610-Q
    12/31/202503/13/202610-K
    09/30/202511/14/202510-Q
    06/30/202508/14/202510-Q
    03/31/202506/27/2025424B4
    12/31/202302/05/2025DRS/A

    Insider Activity

    Updated 8/26/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Person, Penelope JoannChief Commercial OfficerDirectSell826202622.042465,4229,637,321Form
    2Zellmann, Mark JosephPresident US Business LinesDirectSell819202623.7556,0001,330,10115,147,639Form
    3Jcf, Iv Jcap Holding LP See FootnotesSell113202619.6311,000,000215,916,800642,289,825Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Person, Penelope JoannChief Commercial OfficerDirectSell826202622.042465,4229,637,321Form
    2Zellmann, Mark JosephPresident US Business LinesDirectSell819202623.7556,0001,330,10115,147,639Form
    3Jcf, Iv Jcap Holding LP See FootnotesSell113202619.6311,000,000215,916,800642,289,825Form

    Industry Resources

    External Quote Links


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    Core Cache Last Updated: 11/6/2026