Is Jefferson Capital, Inc. / DE (JCAP) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Credit Services | ✗ NOT HALAL | |||
| DJIM | Excluded — Credit Services | ✗ NOT HALAL | |||
| MSCI | Excluded — Credit Services | ✗ NOT HALAL | |||
| S&P | Excluded — Credit Services | ✗ NOT HALAL | |||
| FTSE | Excluded — Credit Services | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 78.1% | |
| Operating Margin | 105.8% | |
| Net Margin | 31.0% | |
| Return on Equity (ROE) | 43.8% | |
| Return on Assets (ROA) | 12.8% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $269M |
| Free Cash Flow | $268M |
| Total Debt | $1.4B |
| Debt-to-Equity | 296.8 |
| Current Ratio | 5.0 |
| Total Assets | $2.1B |
Price & Trading
| Last Close | $19.14 |
| 50-Day MA | $21.02 |
| 200-Day MA | $19.67 |
| Avg Volume | 380K |
|
52-Week Range
$15.98
| |
About Jefferson Capital, Inc. / DE (JCAP)
Jefferson Capital, Inc. provides debt recovery solutions and other related services in the United States, the United Kingdom, Canada, and Latin America. It primarily purchases portfolios of previously charged-off consumer receivables at deep discounts to face value and manage them by working with individuals as they repay their obligations and work toward financial recovery. The company offers consumer receivables, including credit card, secured and unsecured automotive, utilities, telecom, and other receivables. It also provides debt servicing and other portfolio management services to credit originators for nonperforming loans. Jefferson Capital, Inc. was founded in 2002 and is headquartered in Minneapolis, Minnesota.
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Frequently Asked Questions
Is Jefferson Capital, Inc. / DE (JCAP) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Jefferson Capital, Inc. / DE is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Jefferson Capital, Inc. / DE's debt ratio?
Jefferson Capital, Inc. / DE's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Jefferson Capital, Inc. / DE's key financial metrics?
Jefferson Capital, Inc. / DE has a market capitalization of $1.0B, trailing P/E ratio of 3.3, and revenue of $613M. The company maintains a gross margin of 78.1% and a net margin of 31.0%. Return on equity stands at 43.8%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.