Filing Flows › Jefferson Capital (JCAP) › Q1 2026 › vs Q1 2025
Jefferson Capital (JCAP) Q1 2026 vs Q1 2025 (year over year)
Jefferson Capital's revenue rose $21.5M (+14%) from $155M in Q1 2025 to $176M in Q1 2026. The biggest changes: United States +$12.8M (+11%); United Kingdom +$6.8M (+65%); Latin America +$2.0M (+20%). Operating margin 45.4% against 57.6% (-12.2 pts).
Jefferson Capital, Q1 2026: revenue $176M (+14% year over year), operating margin 45.4%, net earnings $37.6M, operating cash flow $39.6M. The chart draws each line against Q1 2025, the increases inside each band.
Margins
| Q1 2026 | Q1 2025 | Change | |
|---|---|---|---|
| Operating margin | 45.4% | 57.6% | -12.2 pts |
| Net margin | 21.3% | 41.5% | -20.1 pts |
Every line
| Line | Q1 2026 | Q1 2025 | Change | % |
|---|---|---|---|---|
| United States | $130M | $117M | $12.8M | +11% |
| Canada | $17.6M | $17.7M | −$38K | -0.2% |
| United Kingdom | $17.1M | $10.4M | $6.8M | +65% |
| Latin America | $12.0M | $10.0M | $2.0M | +20% |
| Revenue | $176M | $155M | $21.5M | +14% |
| Operating profit | $80.2M | $89.3M | −$9.1M | -10% |
| Costs & expenses | $96.3M | $65.7M | $30.6M | +47% |
| Pre-tax earnings | $51.1M | $66.9M | −$15.8M | -24% |
| Other expense, net | $29.1M | $22.4M | $6.8M | +30% |
| Net earnings | $37.6M | $64.2M | −$26.6M | -41% |
| Income tax | $13.4M | $2.7M | $10.7M | +401% |
| Depreciation & amortization | $872K | $1.6M | −$736K | -46% |
| Share-based compensation | $8.5M | $350K | $8.2M | 24× |
| Working capital & other | $7.4M | $14.5M | −$7.1M | -49% |
| Operating cash flow | $39.6M | $51.7M | −$12.0M | -23% |
Questions
How much did Jefferson Capital's revenue grow year over year in Q1 2026?
Jefferson Capital's revenue rose $21.5M (+14%) from $155M in Q1 2025 to $176M in Q1 2026.
What drove Jefferson Capital's revenue change in Q1 2026?
United States +$12.8M (+11%); United Kingdom +$6.8M (+65%); Latin America +$2.0M (+20%).