Jefferson Capital (JCAP) Q2 2026 earnings — TrendMatrix coverage
Reported
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Full disclosure
Key numbers
- Reported EPS
- $0.77
- Estimate
- $0.70
- Surprise
- +10.0%
- Revenue (period 2026-06-30)
- $177.5M
- Score at report (before → after)
- 6.6 → 6.6/10
Revenue source: xbrl.
How the report landed
Jefferson Capital (JCAP) beat the $0.70 estimate with diluted EPS of $0.77 — a large 10.0% upside surprise. TrendMatrix's engine moved from Sell (6.6/10) to Hold at 6.6/10 after the report.
Where TrendMatrix's rating stands now
TrendMatrix currently rates JCAP Buy (Wait) at 6.6/10.
4 of the last 4 quarters beat the estimate; this quarter's +10.0% surprise compares with a +12.3% four-quarter average. Next scheduled report: 2026-11-16.
What supports the rating
- V7 quality resilience bonus: +0.2 (Q=7.5 in RISK_OFF)
- Sector modifier (Financial Services): +1.0
What argues against it
- Concentration risk — Supplier: two credit card issuers
- Leverage penalty (D/E 3.0): -1.5
- Negative momentum
This section and the ones below it reflect TrendMatrix’s latest engine read — they update after the report date and are not frozen to it.
The levels TrendMatrix's engine tracks
- Current price
- $21.35
- Entry target
- $19.04
- Price target
- $24.53
- Stop
- $17.65
- Upside to target
- +14.9%
- Reward-to-risk
- 2.3:1
Risk check: RSI 28 — a level conventionally read as oversold.
Model outputs from TrendMatrix’s engine as of 2026-09-04 — shown for context, not personalized investment advice.
JCAP at TrendMatrix's latest read
For financials, the EPS print is only half the story: credit costs, reserve builds, and rate sensitivity decide how a quarter actually lands.
- Industry
- Credit Services
- Market cap
- $1.23B
- P/E (fwd)
- 7.0
- 52-week range
- $15.50–$24.44
- Off 52-week high
- 12.6%
- RSI (14)
- 28
- Volume vs avg
- 0.59×
- Score today
- 6.6/10