Jefferson Capital Revenue Up 47% in Q2
Jefferson Capital (NASDAQ:JCAP), a purchaser and manager of distressed consumer debt, reported second quarter results on August 14, 2025, featuring standout top-line growth but a mild non-GAAP earnings per share miss. The company posted GAAP revenue of $152.7 million—up 47.1% from the prior year, and $7.43 million above analyst expectations. Non-GAAP earnings per share landed at $0.81, slightly under the $0.83 anticipated by analysts. While revenue growth and collections were especially strong, the decline in new portfolio acquisitions and sharp rise in operating expenses suggest a period of both substantial progress and new challenges for the business.
Source: Analyst estimates for the quarter provided by FactSet.
Jefferson Capital purchases and manages portfolios of distressed and insolvency consumer accounts, with its primary business model centered on acquiring these assets at a discount and then collecting payments on them over time. The company’s main sources of revenue are portfolio revenue—income directly from its purchased portfolios—and servicing revenue, which comes from managing accounts that it does not own.
Source Fool.com
