JCAP
Jefferson Capital·NASDAQ
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JCAP fundamentals
Jefferson Capital (JCAP) released its earnings on Mar 12, 2026: revenue was 152.47M (YoY --), missed estimates; EPS was 0.67 (YoY --), missed estimates.
Revenue / YoY
152.47M
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EPS / YoY
0.67
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Report date
Mar 12, 2026
JCAP Earnings Call Summary for Q4,2025
- Revenue and Collections Surge: Q4 2025 collections up 41% YoY to $245 million, revenue $155 million (30% YoY), driven by Conn's and Bluestem portfolios.
- Strong Efficiency Metrics: Cash efficiency ratio 71%, with 68% underlying trend excluding special portfolios. Legal channel costs up 86% YoY but aligned with growth.
- Macroeconomic Tailwinds: Elevated delinquencies (25% lower consumer savings) and low unemployment (6.6%) support portfolio performance. Insolvency filings up 20% YoY in U.S. and Canada.
- Financial Strength: Debt-to-EBITDA 1.9x, below peers. $500 million bonds at 6% coupon provide low-cost funding flexibility.
- 2026 Outlook: Tax rate 24.5%, with stable returns expected as special portfolios runoff. Legal channel growth to continue with process improvements.
Earnings
EPS
Revenue
Revenue & Expenses
JCAP has released its 2025 Q4 earnings report, with revenue of 154.80M, reflecting a YoY change of 30.10%, and net profit of 37.73M, showing a YoY change of 39.98%. The Sankey diagram below clearly presents JCAP's revenue sources and cost distribution.
Key Indicators
Jefferson Capital (JCAP) key financial stats and ratios, covering profitability, financial health, and leverage.
Income Statement
Jefferson Capital (JCAP)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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Breakdown
Balance Sheet
Jefferson Capital (JCAP)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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Breakdown
Cash Flow
Jefferson Capital (JCAP)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Revenue Breakdown
Where does Jefferson Capital (JCAP) generate its revenue? Explore its key revenue streams and top earning regions.
By Business
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Dividend
Track Jefferson Capital (JCAP) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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Dividend Yield
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What were the key takeaways from Jefferson Capital's earnings call?What is the revenue and EPS growth rate for Jefferson Capital year over year?What is Jefferson Capital's latest dividend and current dividend yield?What does Jefferson Capital do and what are its main business segments?What were the key takeaways from Jefferson Capital’s earnings call?What guidance did Jefferson Capital's management provide for the next earnings period?What factors drove the changes in Jefferson Capital's revenue and profit?Did Jefferson Capital beat or miss consensus estimates last quarter?
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