Why Is JEFFERSON CAP INC DE (JCAP) Stock Up Today?

Jefferson Capital Inc (JCAP) shares rose 9.02% to $21.22, driven by a strong third-quarter earnings report that exceeded analyst expectations. The company posted non-GAAP earnings per share of $0.83, beating estimates by $0.10, while revenue climbed 23% year over year to $185.51 million.

What Happened

Jefferson Capital reported third-quarter 2026 financial results on November 12, highlighting robust growth in its auto finance portfolio. Collections increased 35% to $319 million, and deployments reached a third-quarter record of $318 million. The company declared a quarterly dividend of $0.24 per share, payable on December 3, with an ex-dividend date in November. This dividend carries a forward yield of 4.93%, which is near a two-year high.

Analysts responded positively to the results. Jefferies reiterated its Buy rating and maintained a $29 price target. Truist Securities also maintained a Buy rating, raising its price target to $30. Raymond James maintained an Outperform rating and raised its price target to $24. The company stated it targets 2x to 2.5x leverage as it expands its auto finance business and integrates Phin Solutions.

What The Data Shows

The stock opened at $21.99, representing a 13.0% gap up from the prior close of $19.46. The session high was $22.70 at 9:25 AM ET, while the session low was $21.10 at the same time. Volume so far is 0.0M shares, which is 0.1x the three-month daily average. The company has a market cap of $1.1 billion and a P/E ratio of 8.7. Trailing twelve-month revenue is up 20.7%, and the net margin stands at 24.1%. The current dividend yield is 4.81%. The 52-week range is $15.50 to $24.44. On November 12, 2026, the stock printed 20 fresh 52-week lows.

Recent insider activity shows two sales totaling $1.3 million in the last 90 days. Penelope Joann, Chief Commercial Officer, sold shares on August 25, 2026. Mark Joseph Zellmann, President of US Business Lines, sold shares on August 17, 2026. There have been no insider buys in this period.

What To Watch

Investors will monitor the company's continued expansion in auto finance and the integration of Phin Solutions. The declared dividend, payable on December 3, remains a key component of the stock's appeal, with the forward yield currently at 4.93%.