What is Jefferson Capital, Inc. Common Stock's Shariah compliance score?

Jefferson Capital, Inc. Common Stock (JCAP) has a Shariah compliance score of 0/100 (Grade: F, Non-Compliant). AAOIFI Standard No. 21 requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30%, (3) interest-bearing deposits below 30%, and (4) prohibited income below 5%.

Does Jefferson Capital, Inc. Common Stock pass AAOIFI screening?

Jefferson Capital, Inc. Common Stock (JCAP) does not pass AAOIFI Shariah screening. AAOIFI Standard No. 21 requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30%, (3) interest-bearing deposits below 30%, and (4) prohibited income below 5%. JCAP's debt-to-market-cap is 148.8%.

How much purification is needed for Jefferson Capital, Inc. Common Stock?

Muslim investors purify the portion of dividends and realized gains that comes from non-permissible income by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification computes the percentage and amount for Jefferson Capital, Inc. Common Stock (JCAP) using the latest financial data.

Where can I screen Jefferson Capital, Inc. Common Stock for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Jefferson Capital, Inc. Common Stock (JCAP) and 8,200+ securities. US-listed stocks and ETFs are screened under AAOIFI Standard No. 21. Bursa Malaysia securities carry the Securities Commission Malaysia's official status. Coins are screened separately, under published scholarly opinion. The verdict is free, with no credit card or signup required for basic screening. The compliance grade, score, and debt ratio are free too; the full ratio breakdown is part of Pro.

JCAPNot HalalF

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Compliance Status

Not Halal

Screened on Oct 16, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is Jefferson Capital, Inc. Common Stock (JCAP) halal? Not Halal. Based on AAOIFI screening, Jefferson Capital, Inc. Common Stock passes the business activity screen but fails financial ratio screens with a compliance score of 0/100 (Grade: F).

Quote this verdict

HalalScreener rates Jefferson Capital, Inc. Common Stock (JCAP) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Oct 16, 2026. Source: https://halalscreener.app/en/stock/JCAP

AvoidBorderlineClean

Business activity

What the company sells is permissible.

Passed

Company debt

Over the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

148.8% of 30.0% limit

PRO DETAIL

The verdict above is final and free.

Pro members can verify every number behind it: interest-bearing deposits, prohibited income breakdown, and the full AAOIFI math.

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Screened according to AAOIFI Standard 21

What this means for you

Most scholars advise not holding JCAP

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

JCAP: Is Jefferson Capital, Inc. Common Stock Halal?

Jefferson Capital, Inc. Common Stock

NASDAQFinancial ServicesUS

$20.53

Market Cap: 1.2B

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About Jefferson Capital, Inc. Common Stock

Jefferson Capital, Inc. is a company that specializes in financial recovery and debt resolution services, operating across the United States, the United Kingdom, Canada, and Latin America. Its primary business involves acquiring large bundles of consumer debt that have previously been written off by original lenders. These portfolios of defaulted accounts are purchased at significantly reduced prices compared to their original value. The company then works directly with individuals to help them settle their obligations and progress towards financial rehabilitation. The types of consumer debt Jefferson Capital manages include, but are not limited to, credit card balances, both secured and unsecured automotive loans, and outstanding bills from telecommunications and utility providers. Additionally, the company extends its expertise to credit originators, offering loan administration and other portfolio management services specifically for their non-performing loans. Established in 2002, Jefferson Capital, Inc. is headquartered in Sartell, Minnesota.

Sector: Financial Services · Industry: Financial - Credit Services

Why this does not pass

Interest-bearing debt is 148.8% of market cap, over the 30% AAOIFI limit.
Income from prohibited sources is over the 5% limit.

Screened under AAOIFI Standard 21. The exact figure behind this is part of Pro; the failing check and its limit are always free.

Shariah Compliance Status

AAOIFI Standard 21Updated Oct 16, 2026

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Institutional-grade Shariah analysis

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PRO DETAIL

The verdict above is final and free.

Pro members can verify every number behind it: interest-bearing deposits, prohibited income breakdown, and the full AAOIFI math.

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Screened according to AAOIFI Standard 21

Compliance History

Not Halal, unchanged since May 2026.

No status changes recorded since we began tracking.

Tracked since May 2026. Updates automatically on each re-screen.

Fiscal: Q2 2026Data source: EDGAR

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

GLDA+

SPDR Gold Shares

$382.01

SLVA+

iShares Silver Trust

$51.51

PSLVA+

Sprott Physical Silver Trust

$18.48

PHYSA+

Sprott Physical Gold Trust

$31.50

CEFA+

Sprott Physical Gold and Silver Trust

$40.45

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Frequently Asked Questions

Is Jefferson Capital, Inc. Common Stock (JCAP) halal to invest in?

Jefferson Capital, Inc. Common Stock (JCAP) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did Jefferson Capital, Inc. Common Stock get a F compliance rating?

Jefferson Capital, Inc. Common Stock (JCAP) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 148.8% (limit 30%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Jefferson Capital, Inc. Common Stock's Shariah verdict?

Jefferson Capital, Inc. Common Stock's verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is Jefferson Capital, Inc. Common Stock re-screened for Shariah compliance?

Jefferson Capital, Inc. Common Stock (JCAP) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Oct 16, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.