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Jefferson Capital, Inc. (JCAP)
NASDAQ:JCAP
Earnings Data
Report Date
Aug 13, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
―Last Year’s EPS
0.81Same Quarter Last Year
Strong Buy
Based on 4 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented strong operational and financial momentum with record collections, deployments, revenue, improved leverage, and successful integration of strategic portfolio purchases (Conn's and Bluestem). Efficiency and underwriting strength were reiterated, and capital structure improvements and shareholder returns were highlighted. Key challenges include materially higher upfront legal/court costs driven by increased legal volumes, seasonality and the need to replace ERC runoff, and macro vulnerabilities tied to lower consumer savings and rising insolvencies. Overall, positive business fundamentals and growth track record outweigh manageable near-term cost and seasonality pressures.Company Guidance
Record Collections and Strong YoY Growth
Generated record collections of $245 million in Q4, up 41% year-over-year, driven by deployments in 2023–2024 and portfolio contributions (Conn's contributed $36M and Bluestem $14M in the quarter).
Record Deployments and Growing ERC
Record deployments of $381 million in Q4, up 6% year-over-year; estimated remaining collections (ERC) reached a record $3.4 billion, up 23% year-over-year, with 58% expected to be collected through 2027 and $1.1 billion expected in the next 12 months.
Revenue and Profitability Improvements
Quarterly revenue was a record $155 million, up 30% year-over-year; adjusted EPS of $0.69; adjusted pretax income of $51 million (up 15% YoY) and adjusted cash EBITDA of $178 million (up 34% YoY).
Sector-Leading Operating Efficiency
Delivered a sector-leading cash efficiency ratio of 71% in Q4 (71% aided by Conn's/Bluestem; 68% excluding those portfolios). Full-year 2025 cash efficiency was 74% (69.7% excluding Conn's/Bluestem), reflecting sustained cost-to-collect advantages.
Strong Capital Structure and Liquidity
Amended revolver increased committed capital by $175 million to $1.0 billion, extended tenor, improved pricing (~50 bps) and effective interest savings (~60 bps); net debt to adjusted cash EBITDA improved to 1.9x, below peers; facility had $232M drawn and $300M capacity earmarked for May 2026 bond repayment (bonds pre-funded via $500M unsecured issuance).
Successful Strategic Transactions and Integration
Completed Bluestem acquisition (closed Dec 4) and Conn's portfolio purchase; both integrated with performance in line with expectations and contributed meaningful revenue/NOI (Conn's: $15.5M portfolio revenue, $1.3M servicing revenue, $10.7M NOI; Bluestem: $5.4M revenue, $2.5M NOI).
Capital Allocation and Shareholder Returns
Conducted a follow-on equity offering improving float and reducing J.C. Flowers ownership to 53%; repurchased ~3 million shares (~5%) for $59M as a tactical move; Board declared a regular quarterly dividend of $0.24/share (≈4.7% annualized yield as of February).
Long-Term Growth Track Record
From 2019 through 2025 Jefferson Capital delivered strong multi-year growth: revenue CAGR 27%, net operating income CAGR 37%, and net income CAGR 43%, highlighting sustained profitability and growth through cycles.
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 |
|---|---|---|---|
Mar 12, 2026 | $20.36 | $19.82 | -2.65% |
Nov 13, 2025 | $20.55 | $21.90 | +6.57% |
Aug 14, 2025 | $18.42 | $18.19 | -1.25% |
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?
Currently, no data Available