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Jernigan Capital (JCAP) Financials

Jernigan Capital logo
$17.38 +0.03 (+0.17%)
As of 05/19/2026 03:57 PM Eastern
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Annual Income Statements for Jernigan Capital

Annual Income Statements for Jernigan Capital

This table shows Jernigan Capital's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2023 2024 2025
Period end date 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 112 129 188
Consolidated Net Income / (Loss)		 112 129 188
Net Income / (Loss) Continuing Operations		 112 129 188
Total Pre-Tax Income 		121 138 218
Total Operating Income		 164 220 316
Total Gross Profit		 320 430 611
Total Revenue		 323 433 613
Operating Revenue		 323 433 613
Total Cost of Revenue		 3.52 3.50 2.36
Other Cost of Revenue		 3.52 3.50 2.36
Total Operating Expenses		 155 210 294
Selling, General & Admin Expense		 15 28 37
Depreciation Expense		 2.37 2.61 5.25
Other Operating Expenses / (Income)		 138 179 252
Total Other Income / (Expense), net		 -43 -83 -98
Interest Expense		 48 77 106
Other Income / (Expense), net		 4.64 -5.47 7.73
Income Tax Expense		 9.05 8.66 30
Net Income / (Loss) Attributable to Noncontrolling Interest		 0.02 0.00 0.00
Basic Earnings per Share		 $0.00 $0.00 $5.64
Weighted Average Basic Shares Outstanding		 0.00 0.00 30.02M
Diluted Earnings per Share		 $0.00 $0.00 $5.64
Weighted Average Diluted Shares Outstanding		 0.00 0.00 30.02M
Weighted Average Basic & Diluted Shares Outstanding		 - - 55.33M
Cash Dividends to Common per Share		 - - $0.98

Quarterly Income Statements for Jernigan Capital

This table shows Jernigan Capital's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 32 37 64 48 38 38
Consolidated Net Income / (Loss)		 32 37 64 48 38 38
Net Income / (Loss) Continuing Operations		 32 37 64 48 38 38
Total Pre-Tax Income 		34 39 67 62 46 51
Total Operating Income		 55 59 89 87 70 80
Total Gross Profit		 103 110 154 152 150 176
Total Revenue		 104 111 155 153 151 176
Operating Revenue		 104 111 155 153 151 176
Total Cost of Revenue		 0.98 0.87 0.54 0.56 0.57 0.62
Other Cost of Revenue		 0.98 0.87 0.54 0.56 0.57 0.62
Total Operating Expenses		 48 50 65 66 80 96
Selling, General & Admin Expense		 4.01 3.95 6.71 14 7.96 6.81
Depreciation Expense		 0.56 0.55 1.61 1.25 1.35 0.87
Other Operating Expenses / (Income)		 43 46 57 50 71 88
Total Other Income / (Expense), net		 -21 -20 -22 -25 -25 -29
Interest Expense		 18 20 25 26 26 31
Other Income / (Expense), net		 -2.88 -0.44 2.46 1.09 1.94 1.45
Income Tax Expense		 1.90 2.36 2.68 14 7.15 13
Basic Earnings per Share		 $0.00 $0.00 $0.00 $18.61 $0.59 $0.61
Weighted Average Basic Shares Outstanding		 0.00 0.00 0.00 2.56M 58.28M 55.59M
Diluted Earnings per Share		 $0.00 $0.00 $0.00 $16.76 $0.59 $0.61
Weighted Average Diluted Shares Outstanding		 0.00 0.00 0.00 2.84M 58.28M 55.59M
Weighted Average Basic & Diluted Shares Outstanding		 - - - 58.27M 58.29M 55.42M
Cash Dividends to Common per Share		 - - - $0.25 $0.24 $0.24

Annual Cash Flow Statements for Jernigan Capital

This table details how cash moves in and out of Jernigan Capital's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2023 2024 2025
Period end date 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 5.45 18 9.31
Net Cash From Operating Activities		 120 168 269
Net Cash From Continuing Operating Activities		 121 168 269
Net Income / (Loss) Continuing Operations		 112 129 188
Consolidated Net Income / (Loss)		 112 129 188
Depreciation Expense		 2.37 2.61 5.25
Amortization Expense		 2.91 4.25 6.22
Non-Cash Adjustments To Reconcile Net Income		 3.52 3.50 20
Changes in Operating Assets and Liabilities, net		 0.63 29 50
Net Cash From Investing Activities		 -403 -542 -402
Net Cash From Continuing Investing Activities		 -402 -542 -402
Purchase of Property, Plant & Equipment		 - -6.21 -1.09
Acquisitions		 -5.60 0.00 0.00
Purchase of Investments		 -566 -754 -859
Other Investing Activities, net		 170 218 458
Net Cash From Financing Activities		 290 389 150
Net Cash From Continuing Financing Activities		 290 389 150
Repayment of Debt		 -334 -658 -985
Payment of Dividends		 -31 -36 -63
Issuance of Debt		 655 1,082 1,188
Issuance of Common Equity		 0.00 0.00 10
Other Net Changes in Cash		 - 2.98 -7.26
Cash Interest Paid		 45 58 96
Cash Income Taxes Paid		 9.05 8.67 8.43

Quarterly Cash Flow Statements for Jernigan Capital

This table details how cash moves in and out of Jernigan Capital's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2024 Q4 2024 Q1 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2024 12/31/2024 3/31/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 7.89 17 -7.84 -9.43 1.48 -1.94
Net Cash From Operating Activities		 7.71 77 52 63 75 40
Net Cash From Continuing Operating Activities		 7.71 77 52 63 75 40
Net Income / (Loss) Continuing Operations		 37 27 64 38 38 38
Consolidated Net Income / (Loss)		 37 27 64 38 38 38
Depreciation Expense		 0.55 0.93 1.61 1.35 1.05 0.87
Amortization Expense		 1.09 1.11 1.12 1.52 2.21 1.64
Non-Cash Adjustments To Reconcile Net Income		 0.87 0.86 0.89 9.42 9.06 9.15
Changes in Operating Assets and Liabilities, net		 -32 47 -16 12 25 -9.66
Net Cash From Investing Activities		 -80 -299 -56 -55 -280 -4.02
Net Cash From Continuing Investing Activities		 -80 -299 -56 -55 -280 -4.02
Purchase of Property, Plant & Equipment		 -0.12 -5.76 - -0.11 -0.44 0.00
Purchase of Investments		 -131 -365 -181 -158 -387 -155
Other Investing Activities, net		 52 72 125 103 107 151
Net Cash From Financing Activities		 80 236 -0.46 -16 209 -36
Net Cash From Continuing Financing Activities		 80 236 -0.46 -16 209 -36
Repayment of Debt		 -81 -83 -159 -0.41 -282 -290
Repurchase of Common Equity		 - - 0.00 - - -59
Payment of Dividends		 -20 -16 -16 -16 -16 0.00
Issuance of Debt		 181 335 175 - 506 313
Other Net Changes in Cash		 0.38 2.48 - -2.03 -1.97 -1.55
Cash Interest Paid		 35 6.08 38 30 22 29
Cash Income Taxes Paid		 2.36 2.48 2.70 2.08 1.60 2.33

Annual Balance Sheets for Jernigan Capital

This table presents Jernigan Capital's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2025
Period end date 12/31/2024 12/31/2025
Total Assets		 1,654 2,087
Total Current Assets		 52 35
Cash & Equivalents		 36 23
Accounts Receivable		 17 12
Plant, Property, & Equipment, net		 2.27 1.70
Total Noncurrent Assets		 1,600 2,050
Noncurrent Note & Lease Receivables		 1,515 1,945
Goodwill		 58 58
Intangible Assets		 10 6.54
Other Noncurrent Operating Assets		 17 41
Total Liabilities & Shareholders' Equity		 1,654 2,087
Total Liabilities		 1,272 1,611
Total Current Liabilities		 70 96
Accounts Payable		 70 95
Current Deferred & Payable Income Tax Liabilities		 0.00 0.86
Total Noncurrent Liabilities		 1,202 1,515
Long-Term Debt		 1,195 1,409
Noncurrent Deferred & Payable Income Tax Liabilities		 2.19 102
Other Noncurrent Operating Liabilities		 4.86 4.18
Total Equity & Noncontrolling Interests		 383 476
Total Preferred & Common Equity		 383 476
Total Common Equity		 383 476
Common Stock		 0.00 -50
Retained Earnings		 398 523
Accumulated Other Comprehensive Income / (Loss)		 -16 3.05

Quarterly Balance Sheets for Jernigan Capital

This table presents Jernigan Capital's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q2 2025 Q3 2025 Q1 2026
Period end date 6/30/2025 9/30/2025 3/31/2026
Total Assets		 1,768 1,803 2,084
Total Current Assets		 80 60 41
Cash & Equivalents		 52 42 26
Accounts Receivable		 20 17 15
Plant, Property, & Equipment, net		 2.30 1.87 1.49
Total Noncurrent Assets		 1,685 1,741 2,041
Noncurrent Note & Lease Receivables		 1,606 1,657 1,944
Goodwill		 58 58 58
Intangible Assets		 8.16 7.27 5.87
Other Noncurrent Operating Assets		 13 19 33
Total Liabilities & Shareholders' Equity		 1,768 1,803 2,084
Total Liabilities		 1,357 1,366 1,641
Total Current Liabilities		 76 80 91
Accounts Payable		 76 78 90
Current Deferred & Payable Income Tax Liabilities		 - 1.25 0.93
Total Noncurrent Liabilities		 1,280 1,286 1,550
Long-Term Debt		 1,181 1,183 1,433
Noncurrent Deferred & Payable Income Tax Liabilities		 94 99 113
Other Noncurrent Operating Liabilities		 4.86 4.57 3.89
Total Equity & Noncontrolling Interests		 411 437 443
Total Preferred & Common Equity		 411 437 443
Total Common Equity		 411 437 443
Common Stock		 -69 -61 -41
Retained Earnings		 478 500 487
Accumulated Other Comprehensive Income / (Loss)		 2.72 -2.30 -2.66

Annual Metrics And Ratios for Jernigan Capital

This table displays calculated financial ratios and metrics derived from Jernigan Capital's official financial filings.

Metric 2023 2024 2025
Period end date 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 0.00 0.00 58,290,473.00
DEI Adjusted Shares Outstanding		 0.00 0.00 58,290,473.00
DEI Earnings Per Adjusted Shares Outstanding		 0.00 0.00 3.22
Growth Metrics		 - - -
Profitability Metrics		 - - -
Net Operating Profit after Tax (NOPAT)		 152 206 272
Return On Investment Capital (ROIC_SIMPLE)		 - 13.09% 14.45%
Earnings before Interest and Taxes (EBIT)		 169 215 324
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 174 222 336
Valuation Ratios		 - - -
Leverage & Solvency		 - - -
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 0.00 -1,335 -48
Efficiency Ratios		 - - -
Capital & Investment Metrics		 - - -
Invested Capital		 0.00 1,542 1,862
Increase / (Decrease) in Invested Capital		 0.00 1,542 320
Book Value per Share		 $0.00 $38.25 $8.17
Tangible Book Value per Share		 $0.00 $31.46 $7.06
Total Capital		 0.00 1,577 1,885
Total Debt		 0.00 1,195 1,409
Total Long-Term Debt		 0.00 1,195 1,409
Net Debt		 0.00 1,159 1,386
Capital Expenditures (CapEx)		 0.00 6.21 1.09
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 0.00 -53 -84
Debt-free Net Working Capital (DFNWC)		 0.00 -18 -61
Net Working Capital (NWC)		 0.00 -18 -61
Net Nonoperating Expense (NNE)		 40 78 84
Net Nonoperating Obligations (NNO)		 0.00 1,159 1,386
Total Depreciation and Amortization (D&A)		 5.28 6.86 11
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 $5.64
Adjusted Weighted Average Basic Shares Outstanding		 0.00 0.00 30.02M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $5.64
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 0.00 30.02M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 0.00 55.33M
Normalized Net Operating Profit after Tax (NOPAT)		 152 206 272
Debt Service Ratios		 - - -
Payout Ratios		 - - -

Quarterly Metrics And Ratios for Jernigan Capital

This table displays calculated financial ratios and metrics derived from Jernigan Capital's official financial filings.

Metric Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
DEI Shares Outstanding		 0.00 0.00 0.00 0.00 58,266,307.00 55,329,124.00
DEI Adjusted Shares Outstanding		 0.00 0.00 0.00 0.00 58,266,307.00 55,329,124.00
DEI Earnings Per Adjusted Shares Outstanding		 0.00 0.00 0.00 0.00 0.66 0.68
Growth Metrics		 - - - - - -
Revenue Growth		 0.00% 0.00% 0.00% 47.11% 36.38% 13.87%
EBITDA Growth		 0.00% 0.00% 0.00% 68.44% 23.47% -10.91%
EBIT Growth		 0.00% 0.00% 0.00% 67.85% 22.03% -11.00%
NOPAT Growth		 0.00% 0.00% 0.00% 28.07% 5.68% -31.03%
Net Income Growth		 0.00% 0.00% 0.00% 48.13% 4.02% -41.40%
EPS Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Cash Flow Growth		 0.00% 0.00% 0.00% 0.00% 717.84% -23.30%
Free Cash Flow Firm Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Invested Capital Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Revenue Q/Q Growth		 0.00% 6.55% 0.00% 0.00% -1.22% 0.00%
EBITDA Q/Q Growth		 0.00% 14.77% 0.00% 0.00% -15.88% 0.00%
EBIT Q/Q Growth		 0.00% 12.86% 0.00% 0.00% -17.95% 0.00%
NOPAT Q/Q Growth		 0.00% 7.27% 0.00% 0.00% -11.48% 0.00%
Net Income Q/Q Growth		 0.00% 14.64% 0.00% 0.00% -19.49% 0.00%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 0.00% -96.48% 0.00%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% -33.19% 0.00% 0.00% -47.26%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% 0.00% -3.03% 0.00%
Invested Capital Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 2.41% 0.00%
Profitability Metrics		 - - - - - -
Gross Margin		 99.05% 99.22% 99.65% 99.63% 99.62% 99.65%
EBITDA Margin		 50.89% 54.82% 60.96% 58.27% 49.62% 47.69%
Operating Margin		 53.13% 53.73% 57.61% 56.74% 46.43% 45.45%
EBIT Margin		 50.35% 53.33% 59.20% 57.45% 47.72% 46.27%
Profit (Net Income) Margin		 30.99% 33.34% 41.45% 31.20% 25.43% 21.33%
Tax Burden Percent		 94.43% 94.00% 96.00% 76.97% 84.29% 73.71%
Interest Burden Percent		 65.18% 66.51% 72.94% 70.56% 63.23% 62.54%
Effective Tax Rate		 5.57% 6.01% 4.00% 23.03% 15.71% 26.29%
Return on Invested Capital (ROIC)		 0.00% 0.00% 0.00% 0.00% 0.00% 22.99%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 19.94%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 0.00% 0.00% 0.00% 0.00% 63.34%
Return on Equity (ROE)		 0.00% 0.00% 0.00% 0.00% 0.00% 86.33%
Cash Return on Invested Capital (CROIC)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Return on Assets (OROA)		 0.00% 0.00% 0.00% 0.00% 0.00% 14.09%
Return on Assets (ROA)		 0.00% 0.00% 0.00% 0.00% 0.00% 6.50%
Return on Common Equity (ROCE)		 0.00% 0.00% 0.00% 0.00% 0.00% 86.33%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)		 52 56 86 67 59 59
NOPAT Margin		 50.16% 50.50% 55.31% 43.67% 39.14% 33.50%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 3.37% 3.63% 3.05%
Return On Investment Capital (ROIC_SIMPLE)		 - - - 4.19% 3.64% 3.15%
Cost of Revenue to Revenue		 0.95% 0.78% 0.35% 0.37% 0.38% 0.35%
SG&A Expenses to Revenue		 3.86% 3.57% 4.33% 9.47% 5.28% 3.86%
R&D to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 45.93% 45.49% 42.04% 42.90% 53.19% 54.20%
Earnings before Interest and Taxes (EBIT)		 52 59 92 88 72 82
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 53 61 94 89 75 84
Valuation Ratios		 - - - - - -
Price to Book Value (P/BV)		 0.00 0.00 0.00 0.13 2.30 2.41
Price to Tangible Book Value (P/TBV)		 0.00 0.00 0.00 0.15 2.70 2.82
Price to Revenue (P/Rev)		 0.00 0.00 0.00 0.00 0.00 1.68
Price to Earnings (P/E)		 0.00 0.00 0.00 0.00 0.00 6.62
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 1.39% 3.74%
Earnings Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 15.10%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.00 0.77 1.36 1.34
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.00 0.00 0.00 3.90
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00 0.00 7.61
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 0.00 7.88
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 0.00 10.11
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 0.00 0.00 9.64
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - -
Debt to Equity		 0.00 0.00 0.00 2.88 2.70 3.24
Long-Term Debt to Equity		 0.00 0.00 0.00 2.88 2.70 3.24
Financial Leverage		 0.00 0.00 0.00 2.75 2.61 3.18
Leverage Ratio		 0.00 0.00 0.00 4.30 4.12 4.71
Compound Leverage Factor		 0.00 0.00 0.00 3.04 2.61 2.94
Debt to Total Capital		 0.00% 0.00% 0.00% 74.20% 73.00% 76.40%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 74.20% 73.00% 76.40%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 0.00% 0.00% 0.00% 25.80% 27.00% 23.60%
Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 4.40
Net Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 4.32
Long-Term Debt to EBITDA		 0.00 0.00 0.00 0.00 0.00 4.40
Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 5.85
Net Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 5.75
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 5.85
Altman Z-Score		 0.00 0.00 0.00 0.00 0.00 1.12
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - -
Current Ratio		 0.00 0.00 0.00 1.05 0.75 0.46
Quick Ratio		 0.00 0.00 0.00 0.94 0.75 0.46
Cash Flow Metrics		 - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 0.00 0.00 -1,474 -1,519 -1,791
Operating Cash Flow to CapEx		 0.00% 6,270.73% 0.00% 0.00% 59,509.43% 0.00%
Free Cash Flow to Firm to Interest Expense		 0.00 0.00 0.00 -57.08 -57.38 -58.57
Operating Cash Flow to Interest Expense		 0.00 0.39 2.08 0.00 2.38 1.30
Operating Cash Flow Less CapEx to Interest Expense		 0.00 0.38 2.08 0.00 2.38 1.30
Efficiency Ratios		 - - - - - -
Asset Turnover		 0.00 0.00 0.00 0.00 0.00 0.30
Accounts Receivable Turnover		 0.00 0.00 0.00 0.00 0.00 42.02
Inventory Turnover		 0.00 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover		 0.00 0.00 0.00 0.00 0.00 426.03
Accounts Payable Turnover		 0.00 0.00 0.00 0.00 0.00 0.03
Days Sales Outstanding (DSO)		 0.00 0.00 0.00 0.00 0.00 8.69
Days Inventory Outstanding (DIO)		 0.00 0.00 0.00 0.00 0.00 0.00
Days Payable Outstanding (DPO)		 0.00 0.00 0.00 0.00 0.00 13,436.99
Cash Conversion Cycle (CCC)		 0.00 0.00 0.00 0.00 0.00 -13,428.31
Capital & Investment Metrics		 - - - - - -
Invested Capital		 0.00 0.00 0.00 1,541 1,578 1,850
Invested Capital Turnover		 0.00 0.00 0.00 0.00 0.00 0.69
Increase / (Decrease) in Invested Capital		 0.00 0.00 0.00 1,541 1,578 1,850
Enterprise Value (EV)		 0.00 0.00 0.00 1,182 2,146 2,476
Market Capitalization		 150 150 150 52 1,006 1,069
Book Value per Share		 $0.00 $0.00 $0.00 $160.41 $7.51 $8.00
Tangible Book Value per Share		 $0.00 $0.00 $0.00 $134.56 $6.39 $6.85
Total Capital		 0.00 0.00 0.00 1,592 1,620 1,876
Total Debt		 0.00 0.00 0.00 1,181 1,183 1,433
Total Long-Term Debt		 0.00 0.00 0.00 1,181 1,183 1,433
Net Debt		 0.00 0.00 0.00 1,130 1,140 1,407
Capital Expenditures (CapEx)		 0.00 0.12 0.00 0.00 0.11 0.00
Debt-free, Cash-free Net Working Capital (DFCFNWC)		 0.00 0.00 0.00 -48 -62 -76
Debt-free Net Working Capital (DFNWC)		 0.00 0.00 0.00 3.60 -20 -49
Net Working Capital (NWC)		 0.00 0.00 0.00 3.60 -20 -49
Net Nonoperating Expense (NNE)		 20 19 21 19 21 21
Net Nonoperating Obligations (NNO)		 0.00 0.00 0.00 1,130 1,140 1,407
Total Depreciation and Amortization (D&A)		 0.56 1.64 2.73 1.25 2.87 2.52
Debt-free, Cash-free Net Working Capital to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% -11.93%
Debt-free Net Working Capital to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% -7.79%
Net Working Capital to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% -7.79%
Earnings Adjustments		 - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 $0.00 $18.61 $0.59 $0.61
Adjusted Weighted Average Basic Shares Outstanding		 0.00 0.00 0.00 2.56M 58.28M 55.59M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $0.00 $16.76 $0.59 $0.61
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 0.00 0.00 2.84M 58.28M 55.59M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 0.00 0.00 58.27M 58.29M 55.42M
Normalized Net Operating Profit after Tax (NOPAT)		 52 56 86 67 59 59
Normalized NOPAT Margin		 50.16% 50.50% 55.31% 43.67% 39.14% 33.50%
Pre Tax Income Margin		 32.82% 35.47% 43.18% 40.54% 30.17% 28.94%
Debt Service Ratios		 - - - - - -
EBIT to Interest Expense		 2.87 2.99 3.70 3.40 2.72 2.67
NOPAT to Interest Expense		 2.86 2.83 3.45 2.58 2.23 1.93
EBIT Less CapEx to Interest Expense		 0.00 2.98 3.70 0.00 2.72 2.67
NOPAT Less CapEx to Interest Expense		 0.00 2.82 3.45 0.00 2.23 1.93
Payout Ratios		 - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 29.41%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 29.41%

Financials Breakdown Chart

Key Financial Trends

Here is a concise, data-driven snapshot of Jefferson Capital, Inc. (JCAP) drawn from the last four quarters of 2024–2025. The focus is on identifying trends in revenue, profits, and cash flows, along with balance-sheet implications for retail investors.

  • Top-line growth in 2025: Operating revenue rose from Q2 2024's $103,804,000 to Q2 2025's $152,708,000 (+~47%), and similarly from Q3 2024's $110,601,000 to Q3 2025's $150,842,000 (+~36%).
  • Profitability improving: Net income from continuing operations increased to $47,651,000 in Q2 2025 (vs. $32,168,000 in Q2 2024) and to $38,362,000 in Q3 2025 (vs. $36,878,000 in Q3 2024).
  • Operating cash flow remains strong: Net cash from continuing operating activities was $63,080,000 in Q3 2025 and $75,168,000 in Q4 2025, indicating robust cash generation through 2025 (compared with $77,350,000 in Q4 2024).
  • Liquidity support from financing: Q4 2025 included a significant debt issuance of $506,007,000 and a net financing cash flow of $208,735,000, expanding liquidity to fund investments.
  • Leverage remains high: Long-Term Debt around $1.183B (Q3 2025) and Total Liabilities about $1.366B, with Total Equity near $410.8M, suggesting a heavily indebted balance sheet.
  • Asset base modestly higher in 2025: Total assets rose to about $1.803B by Q3 2025, up from roughly $1.767B in Q2 2025.
  • Cash balance fluctuates: Cash and equivalents were about $42.3M in Q3 2025, down from $51.7M in Q2 2025, leaving a modest near-term liquidity buffer.
  • Dividend policy stable: Cash dividends per share hovered around $0.24–$0.25 in 2025, indicating a steady return to shareholders rather than accelerated payout growth.
  • Investing activities are cash drains: Significant outflows for investments in 2025 quarters (example: Q2 2025 net investing cash flow around −$131.3M; Q3 2025 around −$157.95M), which pressure near-term liquidity.
  • Debt burden and interest costs rising: Interest expense was $26.47M in Q3 2025, with a large total long-term debt load (~$1.18B), increasing ongoing debt service obligations.
  • Net financing activity in some quarters was negative: In Q3 2025, net cash from financing activities (and continuing financing activities) ran negative, reflecting repayments/dividends alongside debt service despite other financing gains in Q4 2025.
05/20/26 01:48 AM ETAI Generated. May Contain Errors.

Jernigan Capital Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Jernigan Capital's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Jernigan Capital's net income appears to be on an upward trend, with a most recent value of $187.97 million in 2025, rising from $111.54 million in 2023. The previous period was $128.89 million in 2024. Check out Jernigan Capital's forecast to explore projected trends and price targets.

Jernigan Capital's total operating income in 2025 was $316.50 million, based on the following breakdown:
  • Total Gross Profit: $610.93 million
  • Total Operating Expenses: $294.43 million

Over the last 2 years, Jernigan Capital's total revenue changed from $323.07 million in 2023 to $613.29 million in 2025, a change of 89.8%.

Jernigan Capital's total liabilities were at $1.61 billion at the end of 2025, a 26.7% increase from 2024, and a 26.7% increase since 2024.

In the past 1 years, Jernigan Capital's cash and equivalents has ranged from $23.23 million in 2025 to $35.51 million in 2024, and is currently $23.23 million as of their latest financial filing in 2025.

Over the last 2 years, Jernigan Capital's book value per share changed from 0.00 in 2023 to 8.17 in 2025, a change of 816.8%.


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Financial statements for NASDAQ:JCAP last updated on 5/19/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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