Jefferson Capital slightly beats Q4 revenue estimates on strong deployments and high yields

Jefferson Capital

12/03/2026 21:00

Overview

US consumer debt purchaser's Q4 revenue rose 30%, slightly beating analyst expectations

Adjusted EPS for Q4 rose to $0.69

Company repurchased $58.9 mln of stock as part of follow-on equity offering

Outlook

Company expects Bluestem portfolio to be a meaningful contributor to 2026 results

Company has $224.8 mln in deployments locked in for the next twelve months

Result Drivers

PORTFOLIO PURCHASES - Collections growth was driven by contributions from recent portfolio acquisitions, including Bluestem and Conn’s

STRONG PRIOR DEPLOYMENTS - Revenue growth was primarily a result of strong deployments in prior periods and higher net yields

INCREASED OPERATING EXPENSES - Operating expenses rose mainly due to higher servicing costs, court costs from increased legal channel volume, and stock-based compensation

Company press release: ID:nGNX44TY3r

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 Revenue
Slight Beat*
$154.8 mln
$153.76 mln (6 Analysts)
Q4 Adjusted EPS
$0.69
Q4 EPS
$0.58
Q4 Adjusted Net Income
$44.70 mln
Q4 Adjusted Pretax Profit
$51.10 mln


*Applies to a deviation of less than 1%; not applicable for per-share numbers.

Analyst Coverage

The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 7 "strong buy" or "buy", no "hold" and no "sell" or "strong sell"

The average consensus recommendation for the corporate financial services peer group is "buy"

Wall Street's median 12-month price target for Jefferson Capital Inc is $27.00, about 29.9% above its March 11 closing price of $20.78

The stock recently traded at 7 times the next 12-month earnings vs. a P/E of 7 three months ago

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact reuters.support@thomsonreuters.com.

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)