Financial PerformanceRevenue growth averaged 25% over the last five years with EBITDA expanding 37% annually, driven by rising portfolio purchases and strong profitability.
Operational EfficiencyThe company is the most efficient among its major peers, with a cash efficiency ratio averaging in the high sixties, significantly ahead of public competitors.
Regulatory ComplianceJCAP has a very clean record amidst a stable regulatory backdrop, having passed every compliance audit and multiple reviews by the CFPB.