Jefferson Capital announces Q3 adjusted EPS of 74 cents, surpassing consensus estimate of 62 cents.
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Nov 13 2025
0mins
Should l Buy JCAP?
- Q3 Revenue Performance: The company reported Q3 revenue of $150.84 million, exceeding the consensus estimate of $147.74 million.
- CEO's Statement: David Burton, Chairman and CEO, highlighted strong third-quarter results and significant momentum across all key business areas.
- Strategic Execution: The company is effectively executing its differentiated strategy, positioning itself well for future growth.
- Shareholder Value Focus: There is a commitment to driving shareholder value both in the near and long term.
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Analyst Views on JCAP
Wall Street analysts forecast JCAP stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for JCAP is 27.25 USD with a low forecast of 26.00 USD and a high forecast of 29.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
4 Analyst Rating
4 Buy
0 Hold
0 Sell
Strong Buy
Current: 21.670
Low
26.00
Averages
27.25
High
29.00
Current: 21.670
Low
26.00
Averages
27.25
High
29.00
About JCAP
Jefferson Capital, Inc. is an analytically driven purchaser and manager of charged-off and insolvency consumer accounts with operations primarily in the United States, Canada, the United Kingdom and Latin America. The Company purchases and services both secured and unsecured assets, and its client base includes creditors, banks, fintech origination platforms, telecommunications providers, credit card issuers and auto finance companies. The Company purchases portfolios of consumer receivables at deep discounts to face value and manages them by working with individuals as they repay their obligations and work toward financial recovery. Previously charged-off receivables include receivables subject to bankruptcy proceedings. The Company also provides debt servicing and other portfolio management services to credit originators for non-performing loans.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Jefferson Capital Prices 10M Share Offering at $20.50 Each
- Offering Size: Jefferson Capital announced a public offering of 10 million shares at $20.50 each, potentially raising $205 million to strengthen its capital structure for future acquisitions and investments.
- Additional Purchase Option: Underwriters have a 30-day option to purchase an additional 1.5 million shares, which, if exercised, would further increase total capital and enhance market demand and liquidity for the stock.
- Share Repurchase Plan: Concurrently, Jefferson Capital will repurchase 3 million shares at the same price from underwriters, indicating confidence in its stock and potentially boosting earnings per share.
- Underwriter Lineup: The offering is managed by notable financial institutions including Jefferies and Keefe, Bruyette & Woods, reflecting strong market interest and trust in the transaction.
See More
Jefferson Capital Plans to Offer 10 Million Shares in Secondary Offering
- Stock Offering Plan: Jefferson Capital intends to sell 10 million shares of common stock in an underwritten secondary offering, which is expected to provide liquidity to existing shareholders and enhance market confidence.
- Additional Purchase Option: Underwriters will have a 30-day option to purchase an additional 1.5 million shares, further increasing market participation and potentially enhancing stock liquidity.
- Share Repurchase Plan: Jefferson Capital plans to concurrently repurchase 3 million shares of common stock at the price paid by underwriters to selling shareholders, which will reduce the number of shares outstanding and may enhance earnings per share.
- Underwriter Lineup: The secondary offering is being managed by Jefferies and Keefe, Bruyette & Woods as joint-lead book-running managers, reflecting strong market confidence and support for the company.
See More
Cybin Inc Launches $100 Million Equity Program, Shares Drop 6.6%
- Stock Decline: Cybin Inc's shares fell 6.6% to $8.00 in pre-market trading following the announcement of a $100 million at-the-market equity program with Cantor Fitzgerald, which may undermine investor confidence and complicate future fundraising efforts.
- Market Reaction: The drop in Cybin's stock price reflects investor concerns regarding the new financing plan, potentially impacting the company's capital operations and shareholder value moving forward.
- Industry Impact: Concurrently, other biotech firms like Corcept Therapeutics and NovaBay Pharmaceuticals also experienced stock declines, indicating a cautious sentiment across the biotech sector that could affect the overall fundraising environment.
- Investor Focus: The lukewarm market response to Cybin's financing initiative may prompt the company to reassess its capital structure and financing strategies to navigate current market challenges.
See More
Vanda Pharmaceuticals' NEREUS Receives FDA Approval, Shares Surge 17.5%
- FDA Approval: Vanda Pharmaceuticals' NEREUS (tradipitant) has received FDA approval for the prevention of motion-induced vomiting in adults, marking a significant advancement in the company's neuropharmaceutical portfolio and is expected to drive future sales growth.
- Stock Surge: Following the FDA approval announcement, Vanda's shares jumped 17.5% to $8.26 in pre-market trading, reflecting strong market confidence in the new drug's potential and likely attracting increased investor interest.
- Market Outlook: The approval of NEREUS not only opens new market opportunities for Vanda Pharmaceuticals but also enhances its market share in the competitive antiemetic drug sector, strengthening the company's long-term profitability prospects.
- Investor Confidence: This FDA approval boosts investor expectations for Vanda's future performance, potentially prompting more institutional investors to reassess their portfolios, further driving the stock price upward.
See More
Jefferson Capital's Price Target Raised by 19.37%
- Analyst Rating Reaffirmed: On December 24, 2025, Keefe, Bruyette & Woods reiterated their 'Outperform' rating on Jefferson Capital (NasdaqGS:JCAP), indicating strong confidence in its future performance.
- Price Target Forecast: As of December 22, 2025, the average one-year price target for Jefferson Capital is $27.34/share, representing a 19.37% upside from its latest closing price of $22.90/share, reflecting optimistic market expectations for its growth potential.
- Increase in Institutional Holdings: The number of funds or institutions reporting positions in Jefferson Capital increased by 20, or 29.85%, in the last quarter, indicating a growing interest among investors in the company.
- Shareholding Changes: William Blair Investment Management increased its holdings by 35.09% to 1,394K shares, while Adage Capital Partners raised theirs by 32.08% to 1,219K shares, demonstrating enhanced confidence among institutional investors in Jefferson Capital.
See More
Is Jefferson Capital Still a Good Buy Following Its Recent Share Price Increase?
Stock Performance: Jefferson Capital's stock has shown a gradual increase, with a 0.3% rise over the past week, 7.0% over the month, and 12.3% year-to-date, indicating a positive reassessment by the market.
Valuation Insights: The company is currently rated with a 5/6 valuation score, suggesting it is undervalued, with an intrinsic value estimated to be 61.9% above its current share price based on the Excess Returns model.
PE Ratio Comparison: Jefferson Capital's price-to-earnings (PE) ratio of 7.48x is below industry averages, indicating it is inexpensive relative to peers, and its current multiple is significantly lower than its Fair Ratio, suggesting the market is not fully recognizing its growth potential.
Narrative Framework: Investors can utilize a Narrative framework to connect their beliefs about Jefferson Capital's future performance with financial forecasts, allowing for a more personalized assessment of the stock's fair value compared to its current price.
See More
Jefferson Capital Prices 10M Share Offering at $20.50 Each
- Offering Size: Jefferson Capital announced a public offering of 10 million shares at $20.50 each, potentially raising $205 million to strengthen its capital structure for future acquisitions and investments.
- Additional Purchase Option: Underwriters have a 30-day option to purchase an additional 1.5 million shares, which, if exercised, would further increase total capital and enhance market demand and liquidity for the stock.
- Share Repurchase Plan: Concurrently, Jefferson Capital will repurchase 3 million shares at the same price from underwriters, indicating confidence in its stock and potentially boosting earnings per share.
- Underwriter Lineup: The offering is managed by notable financial institutions including Jefferies and Keefe, Bruyette & Woods, reflecting strong market interest and trust in the transaction.
See More
Jefferson Capital Plans to Offer 10 Million Shares in Secondary Offering
- Stock Offering Plan: Jefferson Capital intends to sell 10 million shares of common stock in an underwritten secondary offering, which is expected to provide liquidity to existing shareholders and enhance market confidence.
- Additional Purchase Option: Underwriters will have a 30-day option to purchase an additional 1.5 million shares, further increasing market participation and potentially enhancing stock liquidity.
- Share Repurchase Plan: Jefferson Capital plans to concurrently repurchase 3 million shares of common stock at the price paid by underwriters to selling shareholders, which will reduce the number of shares outstanding and may enhance earnings per share.
- Underwriter Lineup: The secondary offering is being managed by Jefferies and Keefe, Bruyette & Woods as joint-lead book-running managers, reflecting strong market confidence and support for the company.
See More
Cybin Inc Launches $100 Million Equity Program, Shares Drop 6.6%
- Stock Decline: Cybin Inc's shares fell 6.6% to $8.00 in pre-market trading following the announcement of a $100 million at-the-market equity program with Cantor Fitzgerald, which may undermine investor confidence and complicate future fundraising efforts.
- Market Reaction: The drop in Cybin's stock price reflects investor concerns regarding the new financing plan, potentially impacting the company's capital operations and shareholder value moving forward.
- Industry Impact: Concurrently, other biotech firms like Corcept Therapeutics and NovaBay Pharmaceuticals also experienced stock declines, indicating a cautious sentiment across the biotech sector that could affect the overall fundraising environment.
- Investor Focus: The lukewarm market response to Cybin's financing initiative may prompt the company to reassess its capital structure and financing strategies to navigate current market challenges.
See More
Vanda Pharmaceuticals' NEREUS Receives FDA Approval, Shares Surge 17.5%
- FDA Approval: Vanda Pharmaceuticals' NEREUS (tradipitant) has received FDA approval for the prevention of motion-induced vomiting in adults, marking a significant advancement in the company's neuropharmaceutical portfolio and is expected to drive future sales growth.
- Stock Surge: Following the FDA approval announcement, Vanda's shares jumped 17.5% to $8.26 in pre-market trading, reflecting strong market confidence in the new drug's potential and likely attracting increased investor interest.
- Market Outlook: The approval of NEREUS not only opens new market opportunities for Vanda Pharmaceuticals but also enhances its market share in the competitive antiemetic drug sector, strengthening the company's long-term profitability prospects.
- Investor Confidence: This FDA approval boosts investor expectations for Vanda's future performance, potentially prompting more institutional investors to reassess their portfolios, further driving the stock price upward.
See More
Jefferson Capital's Price Target Raised by 19.37%
- Analyst Rating Reaffirmed: On December 24, 2025, Keefe, Bruyette & Woods reiterated their 'Outperform' rating on Jefferson Capital (NasdaqGS:JCAP), indicating strong confidence in its future performance.
- Price Target Forecast: As of December 22, 2025, the average one-year price target for Jefferson Capital is $27.34/share, representing a 19.37% upside from its latest closing price of $22.90/share, reflecting optimistic market expectations for its growth potential.
- Increase in Institutional Holdings: The number of funds or institutions reporting positions in Jefferson Capital increased by 20, or 29.85%, in the last quarter, indicating a growing interest among investors in the company.
- Shareholding Changes: William Blair Investment Management increased its holdings by 35.09% to 1,394K shares, while Adage Capital Partners raised theirs by 32.08% to 1,219K shares, demonstrating enhanced confidence among institutional investors in Jefferson Capital.
See More
Is Jefferson Capital Still a Good Buy Following Its Recent Share Price Increase?
Stock Performance: Jefferson Capital's stock has shown a gradual increase, with a 0.3% rise over the past week, 7.0% over the month, and 12.3% year-to-date, indicating a positive reassessment by the market.
Valuation Insights: The company is currently rated with a 5/6 valuation score, suggesting it is undervalued, with an intrinsic value estimated to be 61.9% above its current share price based on the Excess Returns model.
PE Ratio Comparison: Jefferson Capital's price-to-earnings (PE) ratio of 7.48x is below industry averages, indicating it is inexpensive relative to peers, and its current multiple is significantly lower than its Fair Ratio, suggesting the market is not fully recognizing its growth potential.
Narrative Framework: Investors can utilize a Narrative framework to connect their beliefs about Jefferson Capital's future performance with financial forecasts, allowing for a more personalized assessment of the stock's fair value compared to its current price.
See More
