Dave vs Jefferson Capital, Inc. / DE
Dave and Jefferson Capital, Inc. / DE are similar in size: $554m and $613m of revenue in their latest fiscal years. Dave grew faster (59.7% against 41.5%). Dave kept more of each dollar of sales as profit: a net margin of 35.3% against 30.6%. Dave carries less debt relative to equity (21.3% against 300.7%).
| Latest fiscal year | DaveDAVE, 2025 | Jefferson Capital, Inc. / DEJCAP, 2025 |
|---|---|---|
| Revenue | $554m | $613m |
| Revenue growth | 59.7% | 41.5% |
| Net income | $196m | $188m |
| Operating margin | — | 51.6% |
| Net margin | 35.3% | 30.6% |
| Return on equity | 73.1% | 43.8% |
| Free cash flow | $290m | — |
| Cash | $80.5m | $23.2m |
| Total debt | $75.0m | $1.43bn |
| Debt to equity | 21.3% | 300.7% |
| Dividend per share | — | — |
| Dividend yield | — | 5.2% |
| Share buybacks | $43.7m | — |
| Employees | 280 | — |
| Market value | $4.27bn | $1.16bn |
| Price vs our value range | — | — |
| Moat score | 57 (Moderate) | — |
| Insider trades, 12 months | 0 buys, 110 sales | 0 buys, 4 sales |