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Jefferson Capital, Inc. / DE vs Pra: revenue, profit, margins and growth compared

Jefferson Capital, Inc. / DE brought in $613.3M of revenue in fiscal 2025, Pra $1.2B in fiscal 2025. Revenue changed by +41.5% at Jefferson Capital, Inc. / DE and +7.8% at Pra on the year before, so Jefferson Capital, Inc. / DE grew faster. Jefferson Capital, Inc. / DE kept 30.6% of its revenue as net profit, Pra -25.4%.

Side by side, latest fiscal year

JCAPPRAA
Fiscal year endedFY2025 (December 31, 2025)FY2025 (December 31, 2025)
Revenue$613.3M$1.2B
Revenue growth+41.5%+7.8%
Net income$188M-$305.1M
Net margin30.6%-25.4%
Free cash flown/a-$90.4M
Free cash flow marginn/a-7.5%
Earnings per share (diluted)$5.64-$7.79
Cash$23.2M$104.4M
Debt$1.8Bn/a
Price to earnings3.5n/a
Market value$1.1B$777.4M
Dividend yield5.04%n/a
Rank by revenue in sector#226 of 444 · Finance#178 of 444 · Finance

Over the years

Revenue
JCAP FY2023: $323.1MJCAP FY2025: $433.3MJCAP FY2025: $613.3MPRAA FY2018: $908.3MPRAA FY2019: $1BPRAA FY2020: $1.1BPRAA FY2021: $1.1BPRAA FY2022: $966.5MPRAA FY2023: $802.6MPRAA FY2024: $1.1BPRAA FY2025: $1.2BFY18FY19FY20FY21FY22FY23FY24FY25
JCAP $613.3MPRAA $1.2B
Net income
JCAP FY2023: $111.5MJCAP FY2025: $128.9MJCAP FY2025: $188MPRAA FY2018: $65.6MPRAA FY2019: $86.2MPRAA FY2020: $149.3MPRAA FY2021: $183.2MPRAA FY2022: $117.1MPRAA FY2023: -$83.5MPRAA FY2024: $70.6MPRAA FY2025: -$305.1MFY18FY19FY20FY21FY22FY23FY24FY25
JCAP $188MPRAA -$305.1M
Net margin
JCAP FY2023: 34.5%JCAP FY2025: 29.7%JCAP FY2025: 30.6%PRAA FY2018: 7.2%PRAA FY2019: 8.5%PRAA FY2020: 14.0%PRAA FY2021: 16.7%PRAA FY2022: 12.1%PRAA FY2023: -10.4%PRAA FY2024: 6.3%PRAA FY2025: -25.4%FY18FY19FY20FY21FY22FY23FY24FY25
JCAP 30.6%PRAA -25.4%
Revenue growth
JCAP FY2025: +34.1%JCAP FY2025: +41.5%PRAA FY2019: +12.0%PRAA FY2020: +4.8%PRAA FY2021: +2.8%PRAA FY2022: -11.8%PRAA FY2023: -17.0%PRAA FY2024: +38.9%PRAA FY2025: +7.8%FY19FY20FY21FY22FY23FY24FY25
JCAP +41.5%PRAA +7.8%
Free cash flow
PRAA FY2018: $60.3MPRAA FY2019: $115.4MPRAA FY2020: $124.5MPRAA FY2021: $73.7MPRAA FY2022: $8.3MPRAA FY2023: -$100.4MPRAA FY2024: -$98.6MPRAA FY2025: -$90.4MFY18FY19FY20FY21FY22FY23FY24FY25
JCAPPRAA -$90.4M

Fiscal years as each company reports them; the two may end in different months.

Questions about Jefferson Capital, Inc. / DE and Pra

Which is bigger by revenue, Jefferson Capital, Inc. / DE or Pra?

Pra is bigger by revenue: $1.2B in fiscal 2025, against $613.3M for Jefferson Capital, Inc. / DE in fiscal 2025.

Which keeps more of its revenue as profit, Jefferson Capital, Inc. / DE or Pra?

Jefferson Capital, Inc. / DE had a net margin of 30.6% in fiscal 2025; Pra had -25.4% in fiscal 2025.

Which grew revenue faster, Jefferson Capital, Inc. / DE or Pra?

In their latest fiscal years revenue changed by +41.5% at Jefferson Capital, Inc. / DE and +7.8% at Pra.

Where do these numbers come from?

From the annual reports each company files with the SEC (10-K, or 20-F and 40-F for foreign companies), read from their XBRL data. Margins and growth are simple arithmetic on those figures. Nothing here is a recommendation.

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