Jefferson Capital, Inc. (JCAP) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

By Zacks Equity Research | November 13, 2025, 6:00 PM

Jefferson Capital, Inc. (JCAP) reported $150.84 million in revenue for the quarter ended September 2025, representing no change year over year. EPS of $0.74 for the same period compares to $0 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $147.29 million, representing a surprise of +2.41%. The company delivered an EPS surprise of +15.63%, with the consensus EPS estimate being $0.64.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Jefferson Capital, Inc. performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Total Collections: $236.8 million compared to the $242.47 million average estimate based on two analysts.
  • Revenues- Servicing revenue: $9.41 million versus the two-analyst average estimate of $10.5 million.
  • Revenues- Total Portfolio revenue: $139.67 million versus $135.09 million estimated by two analysts on average.

View all Key Company Metrics for Jefferson Capital, Inc. here>>>

Shares of Jefferson Capital, Inc. have returned +11.5% over the past month versus the Zacks S&P 500 composite's +4.6% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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This article originally published on Zacks Investment Research (zacks.com).

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