Jefferson Capital Inc. / DE
Through the investors’ lenses
1 of 1 cleared2 of 2 criteria
Each of these investors has said in public what they look at before buying. Click a name to see how this company measures up — a tick where it passes one of their tests, a cross where it does not.
Warren Buffett 2/2
| Measure | JCAP | Checked against | |
|---|---|---|---|
| Owner earnings | — | positive | — |
| Return on equity | 39.5% | US median 2.8% | ✓ |
| Debt to equity | — | US median 0.57x | — |
| Operating margin | 51.6% | US median 3.1% | ✓ |
Passes 2 of 2. These are the measures Warren Buffett published, applied to Jefferson Capital Inc. / DE’s own figures — their criteria, not their view of this company. What he looks at, and why →
| Basis | Payout | Why |
|---|---|---|
| GAAP earnings | 17.4% | whyThe figure most screeners publish. |
Only one basis is shown, and that is the point. Operating and free cash flow swing with loan, deposit and reserve movements, so for a lender or insurer neither says anything about whether the dividend is affordable. Investment income is omitted for a second reason: insurers file it under the same tag a BDC uses, but it means investment income on float rather than the money that funds the distribution. Screeners that publish these for a bank are printing arithmetic, not information — and a wide gap between them is noise, not a finding.
Coverage rating 66 / 100 — Adequate. ? Peer standing 41/50Direction 15/30Stability 10/20
The arithmetic
- GAAP earnings — dividends declared per share $0.980 ÷ diluted EPS $5.64
Where the figures came from
- 10-K filed 2026-03-13 · accession 0001104659-26-027199
Every one is public at sec.gov and free to check. That is the point — you should not have to take our word for any of it.
Caveats on this company
- DPS $0.98 filed as declared, but dividends paid imply $2.11 — one of the two underlying facts is wrong. The filed per-share figure is used.
Computed by an open pipeline reading SEC XBRL directly. If any number here looks wrong to you, tell us — that is more useful to us than agreement.
What the GAAP earnings payout ratio measures, and where every company here sits on it.
Also on: rated adequate · when it files.
Who else looks like this
Every figure above is computed from Jefferson Capital Inc. / DE’s own filing, and every company here is measured the same way. Screen all of them on any of these twelve measures, or on the rules two investors published — free, and nothing you screen leaves your browser.
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