Jefferson Capital, Inc. (JCAP)

Jefferson Capital Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023
Revenue	573.79	433.76	336.03
Revenue Growth (YoY)	70.76%	29.09%	-
Cost of Revenue	168.96	130.89	101.7
Gross Profit	404.82	302.87	234.33
Selling, General & Admin	93.4	68.34	51.43
Other Operating Expenses	-3.69	0.42	12.96
Operating Expenses	97.38	74.87	70.28
Operating Income	307.45	228.01	164.05
Interest Expense	-99.24	-77.24	-48.11
Currency Exchange Gain (Loss)	3.27	-5.47	4.64
EBT Excluding Unusual Items	211.48	145.29	120.58
Other Unusual Items	-7.74	-7.74	-
Pretax Income	203.74	137.55	120.58
Income Tax Expense	26.55	8.66	9.05
Earnings From Continuing Operations	177.19	128.89	111.54
Minority Interest in Earnings	-	-	-0.02
Net Income	177.19	128.89	111.52
Net Income to Common	162.31	128.89	111.52
Net Income Growth	58.89%	15.58%	-
Free Cash Flow	264.59	162	118.99
Gross Margin	70.55%	69.83%	69.74%
Operating Margin	53.58%	52.56%	48.82%
Profit Margin	28.29%	29.72%	33.19%
Free Cash Flow Margin	46.11%	37.35%	35.41%
EBITDA	316.83	234.87	169.33
EBITDA Margin	55.22%	54.15%	50.39%
D&A For EBITDA	9.39	6.86	5.28
EBIT	307.45	228.01	164.05
EBIT Margin	53.58%	52.56%	48.82%
Effective Tax Rate	13.03%	6.30%	7.50%
Revenue as Reported	577.47	433.34	323.07

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.

SEC Filings: 10-K · 10-Q