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Jernigan Capital Earnings Calls
| Release date | Jun 11, 2026 |
| EPS estimate | $0.80 |
| EPS actual | $0.730 |
| EPS Surprise | -8.75% |
| Revenue estimate | 169.327M |
| Revenue actual | 176.439M |
| Revenue Surprise | 4.20% |
| Release date | May 14, 2026 |
| EPS estimate | $0.672 |
| EPS actual | $0.610 |
| EPS Surprise | -9.23% |
| Revenue estimate | 153.778M |
| Revenue actual | 154.799M |
| Revenue Surprise | 0.664% |
| Release date | Nov 13, 2025 |
| EPS estimate | $0.640 |
| EPS actual | $0.740 |
| EPS Surprise | 15.63% |
| Revenue estimate | 153.914M |
| Revenue actual | 150.842M |
| Revenue Surprise | -2.00% |
| Release date | Aug 14, 2025 |
| EPS estimate | $0.88 |
| EPS actual | $0.81 |
| EPS Surprise | -7.95% |
| Revenue estimate | 145.273M |
| Revenue actual | 152.708M |
| Revenue Surprise | 5.12% |
Last 4 Quarters for Jernigan Capital
Below you can see how JCAP performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Aug 14, 2025 |
| Price on release | $18.87 |
| EPS estimate | $0.88 |
| EPS actual | $0.81 |
| EPS surprise | -7.95% |
| Date | Price |
|---|---|
| Aug 08, 2025 | $17.61 |
| Aug 11, 2025 | $17.47 |
| Aug 12, 2025 | $17.58 |
| Aug 13, 2025 | $18.36 |
| Aug 14, 2025 | $18.87 |
| Aug 15, 2025 | $18.63 |
| Aug 18, 2025 | $18.96 |
| Aug 19, 2025 | $18.58 |
| Aug 20, 2025 | $17.96 |
| 4 days before | 7.16% |
| 4 days after | -4.82% |
| On release day | -1.27% |
| Change in period | 1.99% |
| Release date | Nov 13, 2025 |
| Price on release | $20.78 |
| EPS estimate | $0.640 |
| EPS actual | $0.740 |
| EPS surprise | 15.63% |
| Date | Price |
|---|---|
| Nov 07, 2025 | $19.45 |
| Nov 10, 2025 | $20.22 |
| Nov 11, 2025 | $20.72 |
| Nov 12, 2025 | $20.24 |
| Nov 13, 2025 | $20.78 |
| Nov 14, 2025 | $22.15 |
| Nov 17, 2025 | $22.05 |
| Nov 18, 2025 | $21.46 |
| Nov 19, 2025 | $21.39 |
| 4 days before | 6.84% |
| 4 days after | 2.94% |
| On release day | 6.59% |
| Change in period | 9.97% |
| Release date | May 14, 2026 |
| Price on release | $18.69 |
| EPS estimate | $0.672 |
| EPS actual | $0.610 |
| EPS surprise | -9.23% |
| Date | Price |
|---|---|
| May 08, 2026 | $19.96 |
| May 11, 2026 | $19.33 |
| May 12, 2026 | $19.23 |
| May 13, 2026 | $18.66 |
| May 14, 2026 | $18.69 |
| May 15, 2026 | $17.87 |
| May 18, 2026 | $17.35 |
| May 19, 2026 | $17.41 |
| May 20, 2026 | $17.27 |
| 4 days before | -6.36% |
| 4 days after | -7.60% |
| On release day | -4.39% |
| Change in period | -13.48% |
| Release date | Jun 11, 2026 |
| Price on release | $16.28 |
| EPS estimate | $0.80 |
| EPS actual | $0.730 |
| EPS surprise | -8.75% |
| Date | Price |
|---|---|
| Jun 05, 2026 | $16.24 |
| Jun 08, 2026 | $15.69 |
| Jun 09, 2026 | $16.19 |
| Jun 10, 2026 | $16.03 |
| Jun 11, 2026 | $16.28 |
| Jun 12, 2026 | $16.36 |
| Jun 15, 2026 | $16.32 |
| Jun 16, 2026 | $16.95 |
| Jun 17, 2026 | $17.41 |
| 4 days before | 0.246% |
| 4 days after | 6.94% |
| On release day | 0.491% |
| Change in period | 7.20% |
Jernigan Capital Earnings Call Transcript Summary of Q1 2026
Jefferson Capital reported a strong first quarter with record collections of $310M (up 19% YoY) and revenue of $176M (up 14% YoY). Estimated remaining collections (ERC) rose 18% to $3.4B, with a relatively short duration (52% of ERC expected by end of 2027). The company emphasized sector-leading operating efficiency (cash efficiency ratio of 73%; 68.1% excluding two large portfolio contributions) and improved leverage (net debt to adjusted cash EBITDA of 1.79x). Deployments were $115M in the quarter, with $353M of deployments locked via forward flows and $216M contracted for the next 12 months. The firm highlighted attractive supply dynamics driven by elevated consumer delinquencies (notably in auto), depleted excess savings, and rising insolvencies, positioning Jefferson to capitalize across performing, charged-off, and insolvency portfolios. Financial moves included a $150M increase to the revolver (now $1.15B committed), a tactical $59M share repurchase, and a declared quarterly dividend of $0.24/share. Management expects maintaining disciplined capital allocation focused on portfolio purchases while preserving liquidity and optionality.
