Earnings Releases·Nov 12, 2026, 4:05 PM ET

Jefferson Capital — Third Quarter 2026 Earnings Summary

Total revenue rose 22.9% year-over-year to $185.5 million, while net income and adjusted EPS reached $46.9 million and $0.83 respectively; collections surged 34.8% to $319.2 million and deployments jumped 110.6% to $318.0 million.
Estimated Remaining Collections (ERC) increased 23.3% to $3.61 billion, driven by triple-digit growth in deployments across the US, UK, and Latin America, alongside a $32.2 million contribution from the Bluestem portfolio to US collections.
Capital management actions included a $0.24 per share quarterly dividend declaration, $58.9 million in common stock repurchases during the nine-month period, and the issuance of $100 million in new senior notes due 2030.
Leverage ratio increased to 1.73x and operating expenses rose 22.7% to $98.4 million, though management expressed confidence in generating attractive shareholder returns with ample capital resources.