Jefferson Capital (JCAP) Q3 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 · Editorial policy
Key numbers
- Adjusted EPS
- $0.83
- Estimate
- $0.73
- Surprise
- +13.7%
- Revenue (period 2026-09-30)
- $185.5M
- Score at report (before → after)
- 6.4 → 6.7/10
Revenue source: xbrl.
How the report landed
Jefferson Capital (JCAP) beat the $0.73 estimate with adjusted EPS of $0.83 — a large 13.7% upside surprise. TrendMatrix's engine moved from Buy (Wait) (6.4/10) to Hold at 6.7/10 after the report.
Where TrendMatrix's rating stands now
TrendMatrix currently rates JCAP Hold at 6.7/10.
3 of the last 4 quarters beat the estimate; this quarter's +13.7% surprise compares with a +8.3% four-quarter average. Next scheduled report: 2027-03-18.
What supports the rating
- Strong earnings beat streak (3/4)
- Positive news sentiment (+0.67)
What argues against it
- Concentration risk — Supplier: two credit card issuers
- Leverage penalty (D/E 3.0): -1.5
- Value-trap signals (2/5): High leverage (D/E 3.0), Negative free cash flow
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
- $20.88
- Price target
- $24.53
- Stop
- $19.42
- Upside to target
- +17.5%
- Reward-to-risk
- 1.8:1
The stock trades at 19.3× trailing but 6.7× forward earnings — consensus estimates already build in a substantial earnings recovery.
Risk check: trading volume is running 1.8× its average — elevated turnover around the report window.
Model outputs from TrendMatrix’s engine as of 2026-11-15 — 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
- $1.20B
- P/E (fwd)
- 6.7
- P/E (ttm)
- 19.3
- 52-week range
- $15.50–$24.44
- Off 52-week high
- 14.6%
- RSI (14)
- 55
- Volume vs avg
- 1.82×
- Score today
- 6.7/10