Jefferson Capital Future Growth
Future criteria checks 1/6
Jefferson Capital is forecast to grow earnings and revenue by 5% and 7.2% per annum respectively while EPS is expected to grow by 5.5% per annum.
Key information
5.0%
Earnings growth rate
5.50%
EPS growth rate
| Consumer Finance earnings growth | 19.1% |
| Revenue growth rate | 7.2% |
| Future return on equity | n/a |
| Analyst coverage | Low |
| Last updated | 08 Jul 2026 |
Recent future growth updates
Recent updates
Elevated Consumer Delinquencies And Legal Collections Expansion Will Support Future Earnings Potential
Catalysts About Jefferson Capital Jefferson Capital acquires and services consumer debt portfolios across credit card, auto finance, insolvency and other non-mortgage asset classes in the U.S., Canada, the U.K. and Latin America. What are the underlying business or industry changes driving this perspective?Jefferson Capital: Strong Buy In A Growing NPL Market
Summary Jefferson Capital benefits from a rising supply of non-performing loans, supported by economic pressures and international expansion. Its proprietary data, analytics, and compliance reputation create durable competitive advantages that are hard to replicate. The firm is both growing and profitable, with a long history of operational efficiency and leadership in underpenetrated markets. Yet the stock trades below its economic book value, implying shrinking profitability, while reverse DCF shows significant upside potential. Read the full article on Seeking AlphaEarnings and Revenue Growth Forecasts
| Date | Revenue | Earnings | Free Cash Flow | Cash from Op | Avg. No. Analysts |
|---|---|---|---|---|---|
| 12/31/2027 | 713 | 152 | 767 | 225 | 5 |
| 12/31/2026 | 690 | 145 | 693 | 199 | 5 |
| 3/31/2026 | 625 | 139 | 256 | 257 | N/A |
| 12/31/2025 | 607 | 169 | 268 | 269 | N/A |
| 9/30/2025 | 574 | 162 | 265 | 271 | N/A |
| 6/30/2025 | 532 | 165 | 209 | 216 | N/A |
| 3/31/2025 | 485 | 160 | 178 | 184 | N/A |
| 12/31/2024 | 434 | 129 | 162 | 168 | N/A |
| 12/31/2023 | 336 | 112 | 119 | 120 | N/A |
Analyst Future Growth Forecasts
Earnings vs Savings Rate: JCAP's forecast earnings growth (5% per year) is above the savings rate (3.5%).
Earnings vs Market: JCAP's earnings (5% per year) are forecast to grow slower than the US market (18.1% per year).
High Growth Earnings: JCAP's earnings are forecast to grow, but not significantly.
Revenue vs Market: JCAP's revenue (7.2% per year) is forecast to grow slower than the US market (12.8% per year).
High Growth Revenue: JCAP's revenue (7.2% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if JCAP's Return on Equity is forecast to be high in 3 years time
Discover growth companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/07/09 20:25 |
| End of Day Share Price | 2026/07/09 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
|
| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Jefferson Capital, Inc. is covered by 5 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| David Scharf | Citizens JMP Securities, LLC |
| John Hecht | Jefferies LLC |
| Bose George | Keefe, Bruyette, & Woods |