JCAP
Jefferson Capital, Inc. / DE
Overview
Jefferson Capital, Inc. purchases portfolios of nonperforming consumer receivables—including credit card, auto, utilities, and telecom debt—at discounts to face value and collects them through legal and voluntary channels across the U.S., Canada, U.K., and Latin America.
Jefferson Capital, Inc. / DE is a Financial Services company operating in Credit Services with a $928.3M market cap.
Most recent earnings call: Q1 FY26 on May 14, 2026.
3 earnings calls indexed on Spoken Alpha.
Behavioral analysis
Management language signature
Disclosures
Investor Relations
Extracted from Unknown source, 2026-06-21.
Transcripts
Recent earnings calls
Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.
History
Earnings history
Reported quarters with consensus, surprise, and 1-day reaction context.
Track Record
SampleSpoken Alpha tracks JCAP's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Beats consensus 10/10 quarters but stock falls 60% of the time
SampleWhen a company consistently beats but the stock doesn't react, consensus is usually set too low or the buy-side number is materially above sell-side. Watch for guidance walk-downs ahead of the print.
Raised guidance 8 quarters in a row
SampleConsecutive raises tighten the bar quarter over quarter. Watch the most recent print for the magnitude of the beat — a smaller beat against a higher bar is the early signal that the regime is breaking.
Quarterly beats & misses
Sample| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $3.15 | $2.54 | +24.2% | -2.0% | -4.7% |
| Q4 FY2026 | $2.80 | $2.32 | +20.7% | +2.9% | +1.7% |
| Q3 FY2026 | $3.26 | $2.55 | +27.9% | -2.3% | -5.1% |
| Q2 FY2026 | $3.04 | $2.61 | +16.3% | +0.6% | -2.1% |
| Q1 FY2025 | $2.79 | $2.42 | +15.3% | +8.3% | +9.5% |
| Q4 FY2025 | $3.03 | $2.49 | +21.6% | -1.8% | -2.3% |
| Q3 FY2025 | $3.16 | $2.49 | +27.1% | -0.5% | -3.3% |
| Q2 FY2025 | $2.99 | $2.48 | +20.7% | -2.1% | -2.4% |
| Q1 FY2024 | $3.26 | $2.61 | +24.8% | -0.7% | +0.6% |
| Q4 FY2024 | $3.23 | $2.69 | +19.9% | +5.8% | +3.8% |
Guidance change history
Sample- Q1 FY2026Raised2026-04-15
- Q4 FY2026Raised2026-13-15
- Q3 FY2026Raised2026-10-15
- Q2 FY2026Raised2026-07-15
- Q1 FY2025Raised2025-04-15
- Q4 FY2025Raised2025-13-15
- Q3 FY2025Raised2025-10-15
- Q2 FY2025Raised2025-07-15
Top executives
SampleSpoken Alpha builds an accountability record per executive — how the person's own guidance, language, and reactions have evolved across every call they've appeared on. The one-liners below are illustrative placeholder data pending the deviation v1 work. Click any name for the full role timeline and call appearance history.
- Mark Joseph ZellmannPresident3 mono recorded callsCurrentSample
PRESIDENT since 2026 • 1/2 beats (50%) • guidance suspended Q1 FY2026
- Penelope Joann PersonCHIEF COMMERCIAL OFFICER1 yrno recorded callsCurrentSample
OTHER_C_SUITE since 2025 • 3/4 beats (75%) • guidance suspended Q2 FY2026
- David M BurtonSEE REMARKS1 yr3 callsCurrentSample
OTHER since 2025 • 3/4 beats (75%) • guidance suspended Q2 FY2026
- Christo Dimitrov RealovSEE REMARKS1 yrno recorded callsCurrentSample
OTHER since 2025 • 2/4 beats (50%) • last call held guidance Q1 FY2026
- Matthew James PfohlSEE REMARKS1 yrno recorded callsCurrentSample
OTHER since 2025 • 3/4 beats (75%) • last call held guidance Q1 FY2026
Peers
Other companies in Financial Services
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
For developers and AI agents
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for JCAP.
$ curl https://api.spokenalpha.com/v1/companies/JCAPFAQ
Frequently asked about JCAP
Where can I find Jefferson Capital, Inc. / DE's (JCAP) earnings call transcripts?
Spoken Alpha indexes JCAP's earnings call transcripts at https://spokenalpha.com/companies/JCAP. Each call links to attributed speakers and parsed analyst Q&A. Jefferson Capital, Inc. / DE's own investor relations page is at https://investors.jcap.com/.
When was Jefferson Capital, Inc. / DE's most recent earnings call?
Jefferson Capital, Inc. / DE (JCAP) held its most recent earnings call on 2026-05-14, covering fiscal Q1 2026.
What sector is JCAP in?
Jefferson Capital, Inc. / DE (JCAP) operates in the Financial Services sector (Credit Services industry).