JCAP
Jefferson Capital, Inc.22.10
+0.30+1.38%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
1.29BP/E (TTM)
9.29Basic EPS (TTM)
2.38Dividend Yield
0.01%Recent Filings
8-K
8-K
Q3 collections soar 63%
Jefferson Capital crushed Q3 2025 with collections surging 63% to $236.8 million and deployments hitting a record $151.0 million, up 22% year-over-year, fueled by strong portfolio cash flows. Revenue climbed 36% to $150.8 million, driving pre-tax income to $45.5 million and a $0.24 quarterly dividend. Yet leverage dropped to 1.59x amid favorable delinquency trends. They inked a $302.8 million Bluestem portfolio deal, closing Q4.
8-K
Acquires $303M credit portfolio
Jefferson Capital announced an asset purchase agreement on October 24, 2025, to acquire a suspended revolving credit card receivables portfolio from Bluestem for $302.8 million, with receivables at a $488.2 million face value as of June 30, 2025. The deal includes a $20 million escrow for implementation and servicing transition to CardWorks, expected to close in Q4 2025 pending HSR approval. Concurrently, the company amended its credit agreement, boosting commitments to $1 billion, slashing margins by 50 basis points, and extending maturity to 2030. This bolsters portfolio scale while optimizing debt costs.
8-K
Q2 revenue up 47%
Jefferson Capital crushed Q2 2025 with revenue surging 47% to $152.7 million, fueled by 85% collections growth to $255.7 million and a record $2.9 billion ERC. Pre-tax income climbed 82% to $62.0 million, while leverage dropped to 1.76x amid undrawn $825 million credit facility and $51.7 million cash. The board declared a $0.24 per share dividend, payable September 4. Collections exploded.
10-Q
Q2 FY2025 results
Jefferson Capital's Q2 FY2025 results showed robust topline momentum, with total revenues climbing 47.1% y/y to $152.7M, driven by 48.4% y/y growth in total portfolio revenue to $140.4M from stronger collections on prior deployments. Net operating income rose 57.1% y/y to $86.6M, while net income jumped 48.1% y/y to $47.7M, or $16.76 diluted EPS (derived from 2.843M shares); YTD figures align with 71.9% y/y net income growth to $111.9M on $307.7M revenues. The Conn's asset acquisition closed in December 2024 for $244.9M cash, recognizing $5.3M other intangible assets (amortized over 31 months) and contributing $24.7M portfolio revenue in Q2. Liquidity strengthened with $51.7M cash and $825M revolver availability against $1.18B debt (8.1% average rate, maturities 2026-2030). Collections outpaced forecasts by $10.6M YTD, yet sustained underperformance in some pools trimmed future recovery estimates. Evolving data privacy regulations pose a key risk to compliance costs.
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