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

Core Insights - Jefferson Capital, Inc. (JCAP) reported revenue of $150.84 million for the quarter ended September 2025, showing no year-over-year change, with an EPS of $0.74 compared to $0 a year ago [1] - The reported revenue exceeded the Zacks Consensus Estimate of $147.29 million by 2.41%, and the EPS surpassed the consensus estimate of $0.64 by 15.63% [1] Financial Performance Metrics - Total collections for the quarter were $236.8 million, slightly below the average estimate of $242.47 million from two analysts [4] - Servicing revenue was reported at $9.41 million, compared to the average estimate of $10.5 million from two analysts [4] - Total portfolio revenue reached $139.67 million, exceeding the estimated $135.09 million from two analysts [4] Stock Performance - Shares of Jefferson Capital, Inc. have returned +11.5% over the past month, outperforming the Zacks S&P 500 composite's +4.6% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]