Jefferson Capital Past Earnings Performance
Past criteria checks 0/6
Jefferson Capital's earnings have been declining at an average annual rate of -13.3%, while the Consumer Finance industry saw earnings declining at 0.9% annually. Revenues have been growing at an average rate of 28.9% per year. Jefferson Capital's return on equity is 36.4%, and it has net margins of 22.2%.
Key information
-13.28%
Earnings growth rate
n/a
EPS growth rate
| Consumer Finance Industry Growth | 7.20% |
| Revenue growth rate | 28.93% |
| Return on equity | 36.44% |
| Net Margin | 22.22% |
| Last Earnings Update | 31 Mar 2026 |
Recent past performance 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 AlphaRevenue & Expenses Breakdown
How Jefferson Capital makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Mar 26 | 625 | 139 | 101 | 0 |
| 31 Dec 25 | 607 | 169 | 93 | 0 |
| 30 Sep 25 | 574 | 162 | 84 | 0 |
| 30 Jun 25 | 532 | 165 | 71 | 0 |
| 31 Mar 25 | 485 | 160 | 78 | 0 |
| 31 Dec 24 | 434 | 129 | 73 | 0 |
| 31 Dec 23 | 336 | 112 | 55 | 0 |
Quality Earnings: JCAP has a large one-off loss of $66.2M impacting its last 12 months of financial results to 31st March, 2026.
Growing Profit Margin: JCAP's current net profit margins (22.2%) are lower than last year (33%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if JCAP's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: JCAP's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: JCAP had negative earnings growth (-13.3%) over the past year, making it difficult to compare to the Consumer Finance industry average (24.1%).
Return on Equity
High ROE: Whilst JCAP's Return on Equity (36.44%) is high, this metric is skewed due to their high level of debt.
Return on Assets
Return on Capital Employed
Discover strong past performing companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/15 21:42 |
| End of Day Share Price | 2026/06/15 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 |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* 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 |