The combination of accelerating collections, margin expansion, and deleveraging suggests improving fundamentals. The Bluestem acquisition is already contributing and could drive further upside in 2026. Traders should monitor deployment trends and ERC growth as leading indicators of future cash flows.
Price Chart
Executive Summary
Jefferson Capital reported strong fourth quarter and full-year 2025 results, driven by record collections, revenue, and profitability. Collections surged 41% YoY to $245.3 million, revenue grew 30% to $154.8 million, and GAAP EPS reached $0.58, up 50% from the prior year. The company also improved its leverage ratio and announced a $0.24 per share dividend. Recent Bluestem and Conn’s portfolio acquisitions contributed meaningfully to performance.
Key Financial Metrics
Key Facts
- Record quarterly collections grew 41% YoY to $245.3 million
- Fourth quarter revenue up 30% to $154.8 million
- GAAP EPS of $0.58, up 50% YoY; Adjusted EPS of $0.69
- Leverage ratio improved to 1.82x from 2.72x
- Board declared $0.24 per share quarterly dividend
- Bluestem portfolio acquisition closed, contributing $5.4M in revenue in Q4
Financial Impact
Revenue up 30% YoY, net income up 40%, with strong cash flow generation ($268.8M operating cash flow in 2025)
Risk Factors
- Heavy reliance on portfolio acquisitions for growth
- Forward-looking statements about 2026 performance are uncertain
- Concentrated ownership (J.C. Flowers still owns 53%) may impact stock volatility
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-3255112 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Aug 21, 2026 9w ago | 8-K | $22.29 $20.25 | ▼ −9.15% | ▼ −8.63% | $20.04 (−10.09%) |
Jul 20, 2026 14w ago | EFFECT | $19.06 $23.65 | ▲ +24.08% | ▲ +19.96% | $20.04 (+5.14%) |
Jul 4, 2026 16w ago | Institutional Cluster | $18.55 $20.11 | ▲ +8.41% | ▲ +8.98% | $20.04 (+8.03%) |
Jul 2, 2026 16w ago | S-3 | $18.82 $20.06 | ▲ +6.59% | ▲ +7.00% | $20.04 (+6.48%) |
Jun 11, 2026 19w ago | Institutional Cluster | $16.28 $18.52 | ▲ +13.76% | ▲ +11.87% | $20.04 (+23.10%) |
May 19, 2026 23w ago | Court Ruling | $16.85 $17.15 | ▲ +1.82% | ▲ +0.82% | $20.04 (+18.95%) |
May 14, 2026 23w ago | 8-K | $17.62 $16.36 | ▲ +7.16% | ▲ +9.28% | $20.04 (−13.72%) |
Apr 30, 2026 25w ago | Press Release | $20.87 $16.66 | ▼ −20.17% | ▼ −25.46% | $20.04 (−3.98%) |
Mar 18, 2026 31w ago | Press Release | $20.00 $21.28 | ▲ +6.40% | ▼ −1.22% | $20.04 (+0.20%) |
Mar 12, 2026 32w ago | Press Release | $19.58 $19.96 | ▲ +1.96% | ▼ −1.63% | $20.04 (+2.37%) |
US Market Status
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