| Factor | Score | Distribution | Value | Avg | Rank |
|---|---|---|---|---|---|
Valuation | 91 | 8.0x | 17.3x | Top tier | |
Growth | 54 | 22.8% | 7.1% | Around median | |
Quality | 97 | — | — | Top tier | |
Safety | 28 | — | — | Bottom tier | |
Capital Return | 82 | 4.77% | 0.06% | Top tier | |
Momentum | 64 | 10.3% | -1.6% | Around median | |
Sentiment | 22 | 2 | 3 | Bottom tier |
10-year US Treasury yield 4.96% as of 2026-10-22. Estimates computed from company data and analyst targets, not investment advice.
Ten ratios that matter, each compared against its sector median and average — so you can see whether a number is rich or cheap relative to peers in the same sector.
Jefferson Capital purchases consumer credit portfolios and collects their receivables, including performing accounts, charged-off debts, and bankruptcy accounts, both secured and unsecured. The company seeks to generate returns by purchasing these portfolios and managing collections, while retaining pricing, modeling, and data capabilities and outsourcing resource-intensive operating activities to external service providers. Its performing portfolio capabilities have expanded from credit cards through Bluestem and installment loans through Conn's into auto finance, with entry into Mexico's debt purchasing market in July 2026.
In quarter 2 of fiscal year 2026, ended 2026-06-30, revenue according to EL7 data was approximately 177.5 million dollars, net income was 41.3 million dollars, and diluted earnings per share were 0.67 dollars. The operating margin calculated by EL7 was 45.9%, and operating cash flow according to EL7 data was approximately 43.3 million dollars during the same quarter. A reliable year-over-year revenue growth comparison is unavailable. To illustrate the scale of annual operations, revenue in fiscal year 2025, ended 2025-12-31, was approximately 613.3 million dollars, and net income was 188.0 million dollars.
Collections in quarter 2 of fiscal year 2026, ended 2026-06-30, were approximately 301 million dollars, up 18% compared with the same quarter of the previous fiscal year, versus portfolio purchases of 152 million dollars, up 21% on the same basis. The Bluestem portfolio contributed collections of 41 million dollars and the Conn's portfolio contributed collections of 24 million dollars during the quarter, illustrating their importance to the collection mix. At quarter-end, estimated remaining collections were 3.4 billion dollars, up 18% compared with the end of the same quarter of the previous fiscal year; these are estimates of future collections, not recognized revenue.
Q2 FY2026
When: 2026-11-12
Collections level compared with the 301 million dollar benchmark
Cash efficiency ratio excluding Bluestem and Conn's compared with the 67.8% benchmark
The median analyst target in the 2026-10-19 data is approximately 30 dollars, within a range of 24 dollars to 30 dollars, a low-confidence indicative estimate because it relies on two analysts and reflects the pricing of expected growth alongside analysts' tendency toward optimistic targets. The industry-multiple value is 10 dollars, within a range of 5.35 dollars to 20 dollars, based on book value at a median multiple of 1.2 times across 64 companies, and therefore measures the outcome of pricing the company on its book value in line with its peers. The two methods diverge, as the analyst target range exceeds the industry-multiple value range, reflecting the different weights each assigns to expected growth and book value.
Figures in the text are as of 2026-10-19; the live price is shown at the top of the page.
Jefferson Capital purchases consumer credit portfolios and manages their collections, including performing portfolios, charged-off portfolios, and bankruptcy accounts. In quarter 2 of fiscal year 2026, ended 2026-06-30, revenue according to EL7 data was approximately 177.5 million dollars, while collections totaled 301 million dollars, so the two figures represent different measures of activity. Bluestem contributed collections of 41 million dollars and Conn's contributed collections of 24 million dollars during the same quarter.
Auto finance added a third category to Jefferson Capital's performing portfolio purchasing capabilities, after credit cards through Bluestem and installment loans through Conn's. Portfolio purchases reached 185 million dollars in July 2026, with a substantial portion invested in performing and nonperforming auto portfolios. The ability to handle secured, unsecured, and bankruptcy accounts provides a broader scope for serving portfolio sellers, but vehicle repossession and legal documentation increase the complexity of some collection operations. On the 2026-08-13 call, management cautioned against assuming that July's purchases would recur every month.
Automated analysis for informational purposes only — not investment advice.
Estimated remaining collections balance compared with the 3.4 billion dollar benchmark
Forward flow agreement commitments totaled 480.7 million dollars on 2026-06-30, including 312 million dollars relating to the twelve months following that date. Management estimated that purchases of 565 million dollars would be needed over the same period to replace expected collections and maintain the estimated remaining collections balance. The contracts provide an important base for execution, but they alone do not cover the full estimated replacement requirement, and maintaining the balance does not mean growing it.
Diluted shares totaled 55.6 million in quarter 2 of fiscal year 2026, ended 2026-06-30, versus 2.8 million in quarter 2 of fiscal year 2025, ended 2025-06-30, an increase of 1854.1%. Diluted earnings per share were 0.67 dollars in quarter 2 of fiscal year 2026, versus 16.76 dollars in quarter 2 of fiscal year 2025. Net income was 41.3 million dollars and 47.7 million dollars for the two periods, respectively, making the change in the share base essential to understanding the difference in earnings per share alongside the change in earnings.
The cash efficiency ratio was 72.2% in quarter 2 of fiscal year 2026, ended 2026-06-30, versus 67.8% after excluding Bluestem and Conn's collections and expenses. Operating cash flow according to EL7 data was approximately 43.3 million dollars during the same quarter, while the ratio of net debt to adjusted cash earnings before interest, taxes, depreciation, and amortization was 1.71 times at quarter-end. Borrowings under the revolving credit facility totaled 226 million dollars against commitments of 1.15 billion dollars on 2026-06-30, but the company announced on 2026-08-13 that it had drawn financing and transferred 300 million dollars to the bond trustee to repay bonds maturing in August 2026. The quarter-end figures therefore reflect the financing position before the announced repayment transaction.