Jefferson Capital, Inc. (JCAP)
NASDAQ:JCAP
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Earnings Data
Report Date
Aug 13, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.69Last Year’s EPS
0.81Same Quarter Last Year
Strong Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented multiple strong operational and financial results: record collections and revenue, sector-leading cash efficiency, improved leverage (1.79x), strong adjusted cash EBITDA growth, active capital returns (dividend and share repurchase), and expanded revolver capacity. These positives were balanced by meaningful increases in legal-channel and operating expenses (core costs +86% YoY), a quarter-over-quarter slowdown in portfolio purchases versus the prior year period, and macro headwinds—elevated delinquency, rising insolvencies, weaker personal savings, and structural risks in auto finance—that drive both higher portfolio supply and increased collection/legal costs. While the macro backdrop introduces risk and legal-related costs are expected to remain elevated, the company demonstrated strong execution, liquidity and disciplined capital allocation. Overall, the positives (growth, efficiency, liquidity, returns) materially outweigh the challenges, but ongoing legal expense and deployment-replacement execution will be important to monitor.Company Guidance
Record Collections
Generated record collections of $310 million for the quarter, up 19% year-over-year; $54.5 million of collections attributable to the Bluestem portfolio and $31 million attributable to the Conn's portfolio.
Record Revenue and Improved Profitability
Revenue was a record $176 million, up 14% year-over-year. Adjusted EPS was $0.73 and adjusted pretax income was $58 million, producing an adjusted pretax ROE of 50.8%.
Strong Adjusted Cash EBITDA
Adjusted cash EBITDA was $235 million for the quarter, up 12% year-over-year, driven by material collections on portfolios purchased in 2024 and 2025.
Leading Operating Efficiency
Delivered a sector-leading cash efficiency ratio of 73% for the quarter; excluding Bluestem and Conn's collections and expenses, the cash efficiency ratio would have been 68.1%.
Improved Leverage and Strong Liquidity
Net debt to adjusted cash EBITDA improved to 1.79x. Revolver capacity was increased by $150 million to $1.15 billion (completed April 22), with $254 million drawn at March 31 and $300 million capacity earmarked to repay 2026 bonds; the company plans to retain existing bonds given a 6% coupon.
Robust Estimated Remaining Collections (ERC)
Estimated remaining collections (ERC) grew 18% year-over-year to $3.4 billion. ERC is relatively short duration with 52% expected to be collected through 2027 and $1.1 billion expected to be collected in the next 12 months.
Dividend and Shareholder Returns
Board declared a regular quarterly dividend of $0.24 per share (approx. 4.6% annualized yield as of April month end). The company repurchased 3 million shares (~5% of legally issued shares) for $59 million following a follow-on equity offering.
Forward Flow Momentum and Geographic Diversification
Committed forward flows increased ~28% between 12/31 and 3/31. As of March 31, $353 million of deployments were locked in through forward flows and $216 million of deployments were contracted via forward flows for the next 12 months. The company also reported deployment growth in LATAM and the U.K.
JCAP Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
JCAP Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
May 14, 2026 | $18.69 | $17.87 | -4.39% |
Mar 12, 2026 | $20.11 | $19.57 | -2.65% |
Nov 13, 2025 | $20.29 | $21.63 | +6.59% |
Aug 14, 2025 | $18.19 | $17.96 | -1.27% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Jefferson Capital, Inc. (JCAP) report earnings?
Jefferson Capital, Inc. (JCAP) is schdueled to report earning on Aug 13, 2026, After Close (Confirmed).
What is Jefferson Capital, Inc. (JCAP) earnings time?
Jefferson Capital, Inc. (JCAP) earnings time is at Aug 13, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
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What companies are reporting earnings today?
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What is JCAP EPS forecast?
JCAP EPS forecast for the fiscal quarter 2026 (Q2) is 0.69.