Jefferson Capital (JCAP)
Market Price (9/21/2026): $20.5 | Market Cap: $1.1 BilSector: Financials | Industry: Consumer Finance
Jefferson Capital (JCAP)
Market Price (9/21/2026): $20.5Market Cap: $1.1 BilSector: FinancialsIndustry: Consumer Finance
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 19%, Dividend Yield is 5.3%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 15%, FCF Yield is 19% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 34%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 33% Low stock price volatilityVol 12M is 36% Megatrend and thematic driversMegatrends include Digital & Alternative Assets. Themes include Private Credit. | Weak multi-year price returns2Y Excs Rtn is -18%, 3Y Excs Rtn is -53% | Debt is significantNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 121% |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 19%, Dividend Yield is 5.3%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 15%, FCF Yield is 19% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 34%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 33% |
| Low stock price volatilityVol 12M is 36% |
| Megatrend and thematic driversMegatrends include Digital & Alternative Assets. Themes include Private Credit. |
| Weak multi-year price returns2Y Excs Rtn is -18%, 3Y Excs Rtn is -53% |
| Debt is significantNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 121% |
Qualitative Assessment
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Jefferson Capital (JCAP) stock has gained about 20% since 5/31/2026 because of the following key factors:
1. Strong Fiscal Q2 2026 Financial Performance Exceeded Expectations.
Jefferson Capital reported robust results for its fiscal Q2 2026 (ended June 30, 2026) on August 13, 2026, which significantly surpassed analyst forecasts. The company announced an adjusted earnings per share (EPS) of $0.77, beating the consensus estimate of $0.63 by approximately 22%. Revenue also demonstrated strong growth, reaching $177.5 million, a 16.2% increase year-over-year, and exceeding the estimated $169.7 million. Key operational metrics further highlighted this strength, with collections growing 18% to $300.9 million and deployments increasing 21.5% to $152.2 million.
2. Strategic Expansion into Auto Finance and New Markets.
The company's strategic initiatives to diversify its asset classes and geographic presence contributed significantly to its positive trend. Jefferson Capital established auto finance as a primary third asset class, leading to record monthly deployments of $185 million in July 2026, largely invested in performing and non-performing auto finance portfolios. Concurrently, JCAP announced its entry into the Mexican debt purchasing market, opening new avenues for growth. The successful integration of large consumer debt portfolios from Bluestem and Conn's also bolstered collections performance.
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Jefferson Capital (JCAP) stock has gained about 20% since 5/31/2026 because of the following key factors:
1. Strong Fiscal Q2 2026 Financial Performance Exceeded Expectations.
Jefferson Capital reported robust results for its fiscal Q2 2026 (ended June 30, 2026) on August 13, 2026, which significantly surpassed analyst forecasts. The company announced an adjusted earnings per share (EPS) of $0.77, beating the consensus estimate of $0.63 by approximately 22%. Revenue also demonstrated strong growth, reaching $177.5 million, a 16.2% increase year-over-year, and exceeding the estimated $169.7 million. Key operational metrics further highlighted this strength, with collections growing 18% to $300.9 million and deployments increasing 21.5% to $152.2 million.
2. Strategic Expansion into Auto Finance and New Markets.
The company's strategic initiatives to diversify its asset classes and geographic presence contributed significantly to its positive trend. Jefferson Capital established auto finance as a primary third asset class, leading to record monthly deployments of $185 million in July 2026, largely invested in performing and non-performing auto finance portfolios. Concurrently, JCAP announced its entry into the Mexican debt purchasing market, opening new avenues for growth. The successful integration of large consumer debt portfolios from Bluestem and Conn's also bolstered collections performance.
3. Improved Credit Outlook and Strengthened Financial Position.
On May 21, 2026, Fitch Ratings revised Jefferson Capital Holdings' Outlook to Positive from Stable, affirming its Long-Term Issuer Default Rating (IDR) at 'BB-', reflecting a continued strengthening of its franchise and sustained operating performance with leverage discipline. Furthermore, JCAP improved its leverage ratio to 1.71x from 1.76x at the end of fiscal Q2 2026, indicating a stronger balance sheet. The company also upsized its revolving credit facility to $1.15 billion by April 22, 2026, enhancing its financial flexibility and capacity for future investments.
4. Positive Analyst Sentiment and Upgraded Price Targets.
Following the strong fiscal Q2 2026 earnings report, several financial analysts reiterated or upgraded their ratings and significantly raised their price targets for Jefferson Capital. For example, on August 14, 2026, Truist Securities adjusted its price target to $30.00 from $26.00, and Raymond James increased its target to $24.00 from $21.00. The consensus analyst rating for JCAP remains a "Buy," with an average price target of $28.20, suggesting considerable potential upside from its stock price during the period.
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Stock Movement Drivers
Fundamental Drivers
The 22.2% change in JCAP stock from 5/31/2026 to 9/20/2026 was primarily driven by a 27.1% change in the company's P/E Multiple.| (LTM values as of) | 5312026 | 9202026 | Change |
|---|---|---|---|
| Stock Price ($) | 16.81 | 20.54 | 22.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 635 | 660 | 3.9% |
| Net Income Margin (%) | 25.4% | 23.5% | -7.6% |
| P/E Multiple | 5.8 | 7.4 | 27.1% |
| Shares Outstanding (Mil) | 56 | 56 | 0.1% |
| Cumulative Contribution | 22.2% |
Market Drivers
5/31/2026 to 9/20/2026| Return | Correlation | |
|---|---|---|
| JCAP | 22.2% | |
| Market (SPY) | 0.9% | 9.7% |
| Sector (XLF) | 8.3% | 31.7% |
Fundamental Drivers
The 3.3% change in JCAP stock from 2/28/2026 to 9/20/2026 was primarily driven by a 0.0% change in the company's P/E Multiple.| (LTM values as of) | 2282026 | 9202026 | Change |
|---|---|---|---|
| Stock Price ($) | 19.88 | 20.54 | 3.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | � | 660 | 0.0% |
| Net Income Margin (%) | � | 23.5% | 0.0% |
| P/E Multiple | � | 7.4 | 0.0% |
| Shares Outstanding (Mil) | 58 | 56 | 5.0% |
| Cumulative Contribution | 0.0% |
Market Drivers
2/28/2026 to 9/20/2026| Return | Correlation | |
|---|---|---|
| JCAP | 3.3% | |
| Market (SPY) | 11.6% | 22.2% |
| Sector (XLF) | 9.2% | 33.4% |
Fundamental Drivers
The 14.6% change in JCAP stock from 8/31/2025 to 9/20/2026 was primarily driven by a 0.0% change in the company's P/E Multiple.| (LTM values as of) | 8312025 | 9202026 | Change |
|---|---|---|---|
| Stock Price ($) | 17.92 | 20.54 | 14.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | � | 660 | 0.0% |
| Net Income Margin (%) | � | 23.5% | 0.0% |
| P/E Multiple | � | 7.4 | 0.0% |
| Shares Outstanding (Mil) | 58 | 56 | 5.0% |
| Cumulative Contribution | 0.0% |
Market Drivers
8/31/2025 to 9/20/2026| Return | Correlation | |
|---|---|---|
| JCAP | 14.6% | |
| Market (SPY) | 19.4% | 28.8% |
| Sector (XLF) | 4.7% | 32.3% |
Fundamental Drivers
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Market Drivers
8/31/2023 to 9/20/2026| Return | Correlation | |
|---|---|---|
| JCAP | ||
| Market (SPY) | 75.6% | 31.3% |
| Sector (XLF) | 69.8% | 32.3% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| JCAP Return | - | - | - | - | 23% | -5% | 17% |
| Peers Return | 59% | -23% | 17% | 2% | 8% | 14% | 79% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 12% | 103% |
Monthly Win Rates [3] | |||||||
| JCAP Win Rate | - | - | - | - | 57% | 44% | |
| Peers Win Rate | 73% | 38% | 55% | 43% | 55% | 60% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 44% | |
Max Drawdowns [4] | |||||||
| JCAP Max Drawdown | - | - | - | - | - | -32% | |
| Peers Max Drawdown | -20% | -39% | -38% | -24% | -35% | -31% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: ECPG, PRAA, NAVI, SLM, OMF.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 9/18/2026 (YTD)
How Low Can It Go
JCAP has limited trading history. Below is the Financials sector ETF (XLF) in its place.
| Event | XLF | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -15.5% | -18.8% |
| % Gain to Breakeven | 18.4% | 23.1% |
| Time to Breakeven | 80 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -10.7% | -9.5% |
| % Gain to Breakeven | 12.0% | 10.5% |
| Time to Breakeven | 26 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -16.1% | -6.7% |
| % Gain to Breakeven | 19.1% | 7.1% |
| Time to Breakeven | 270 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -22.3% | -24.5% |
| % Gain to Breakeven | 28.6% | 32.4% |
| Time to Breakeven | 467 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -42.8% | -33.7% |
| % Gain to Breakeven | 74.8% | 50.9% |
| Time to Breakeven | 289 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -19.7% | -19.2% |
| % Gain to Breakeven | 24.5% | 23.8% |
| Time to Breakeven | 123 days | 105 days |
In The Past
State Street Financial Select Sector SPDR ETF's stock fell -15.5% during the 2025 US Tariff Shock. Such a loss loss requires a 18.4% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
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JCAP has limited trading history. Below is the Financials sector ETF (XLF) in its place.
| Event | XLF | S&P 500 |
|---|---|---|
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -22.3% | -24.5% |
| % Gain to Breakeven | 28.6% | 32.4% |
| Time to Breakeven | 467 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -42.8% | -33.7% |
| % Gain to Breakeven | 74.8% | 50.9% |
| Time to Breakeven | 289 days | 140 days |
| 2015-2016 China Devaluation / Global Growth Scare | ||
| % Loss | -21.4% | -12.2% |
| % Gain to Breakeven | 27.3% | 13.9% |
| Time to Breakeven | 272 days | 62 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -26.1% | -17.9% |
| % Gain to Breakeven | 35.3% | 21.8% |
| Time to Breakeven | 162 days | 123 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -78.3% | -53.4% |
| % Gain to Breakeven | 359.8% | 114.4% |
| Time to Breakeven | 2329 days | 1085 days |
In The Past
State Street Financial Select Sector SPDR ETF's stock fell -15.5% during the 2025 US Tariff Shock. Such a loss loss requires a 18.4% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About Jefferson Capital (JCAP)
Jernigan Capital, Inc. (JCAP) operates as an equity real estate investment trust (REIT) specializing in the self-storage sector. As a REIT, the company primarily invests in and owns real estate properties designed for self-storage. Its business model allows investors to participate in the ownership and operation of income-producing real estate without directly owning the properties themselves.
The company's main offering involves developing, acquiring, and managing self-storage facilities throughout the United States. Essentially, Jernigan Capital provides rental units for individuals and businesses seeking secure and accessible storage space. Its primary customers include individuals needing to store personal belongings due to moving, downsizing, or decluttering, as well as businesses requiring space for inventory, equipment, or documents. The company serves the broad U.S. domestic market seeking flexible and convenient storage solutions.
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- Self-storage unit rentals: Provides rentable storage spaces of various sizes for individuals and businesses to store their personal or commercial items.
- Real estate investment in self-storage facilities: Acquires, develops, and manages self-storage properties as an equity real estate investment trust, generating revenue from rental income and property appreciation.
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Based on the description provided for Jernigan Capital, Inc., which invests in and owns self-storage facilities, its major customers are the tenants who rent storage units. The company primarily sells its services to individuals and businesses requiring temporary or long-term storage solutions.
The up to three main categories of customers are:
-
Individuals and Households: This is the largest customer segment, comprising people who need storage for personal reasons. This includes individuals undergoing life transitions such as moving, downsizing, divorce, or dealing with an estate. Other common uses include decluttering, storing seasonal items (holiday decorations, sports equipment), or safeguarding belongings during home renovations or travel.
-
Small and Medium-sized Businesses (SMBs): Businesses often utilize self-storage for various operational needs. This can include storing inventory (especially for e-commerce, retail, or contractors), archiving important documents and records, keeping tools and equipment secure, or holding excess supplies and merchandise. These businesses benefit from the flexibility and cost-effectiveness compared to traditional warehouse space.
-
Students: College and university students frequently use self-storage units to store their belongings during summer breaks, study abroad programs, or when transitioning between dorms or apartments. This provides a convenient and often more affordable solution than transporting items long distances or leaving them in temporary housing.
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Jefferson Capital (JCAP) operates primarily in the debt recovery solutions and consumer receivables market, purchasing portfolios of charged-off consumer receivables and providing debt servicing. The addressable markets for these services in the regions where the company operates are as follows:
- United States: The market size for Debt Collection Agencies in the U.S. is estimated at $13.6 billion in 2025. The Debt Collection Services market in the United States is projected at $9.63 billion in 2025.
- United Kingdom: The market size for Debt Collection Agencies in the UK is £2.0 billion (approximately $2.54 billion USD at current exchange rates) in 2025.
- Canada: The Debt Collection Agencies market in Canada is valued at $955.7 million in 2026.
- Latin America: The Debt Collection Services market in Latin America is estimated to be $1.53 billion in 2025.
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Peer Outperformance in Consumer Finance
null| Industry | Names | 1Y med | 3Y med | 5Y med | Top 3 by 5Y |
|---|---|---|---|---|---|
| Reinsurance | 6 | 24.2% | 70.6% | 133.7% | SPNT 170% · RGA 154% · RNR 140% |
| Investment Banking & Brokerage | 13 | -1.7% | 105.1% | 116.5% | IBKR 527% · SNEX 257% · HOOD 183% |
| Diversified Banks | 12 | 27.5% | 129.8% | 116.3% | CM 161% · JPM 159% · RY 149% |
| Life & Health Insurance | 20 | 8.6% | 57.6% | 105.8% | JXN 534% · UNM 373% · FG 207% |
| Multi-Sector Holdings | 4 | 6.8% | 50.2% | 87.3% | JONE 361% · VOYA 88% · BRK-B 87% |
| Property & Casualty Insurance | 42 | 9.6% | 67.5% | 67.8% | ASIC 2760900% · HRTG 445% · UVE 331% |
| Regional Banks | 265 | 23.9% | 91.7% | 67.1% | ESQ 391% · GCBC 340% · VBNK 335% |
| Multi-line Insurance | 9 | 8.8% | 71.2% | 64.1% | GNW 201% · L 112% · SLF 104% |
| Financial Exchanges & Data | 15 | -0.1% | 17.4% | 32.7% | VIRT 184% · CBOE 135% · CME 83% |
| Diversified Financial Services | 4 | -7.3% | 22.1% | 32.6% | FRHC 168% · EQH 119% · TMS -54% |
| Consumer Finance ← | 30 | 1.7% | 89.6% | 26.9% | ENVA 447% · EZPW 319% · FCFS 168% |
| Insurance Brokers | 16 | -15.1% | -6.3% | 20.3% | LIFE 200% · ARX 87% · AJG 70% |
| Commercial & Residential Mortgage Finance | 14 | -50.2% | 32.8% | 13.9% | FNMA 454% · FMCC 436% · ACT 204% |
| Asset Management & Custody Banks | 84 | -11.7% | 17.6% | 12.0% | WT 348% · SII 279% · VCTR 274% |
| Specialized Finance | 3 | 14.0% | 42.2% | -2.8% | EFC 27% · CACC -3% · HASI -16% |
| Mortgage REITs | 33 | -13.0% | 7.4% | -16.5% | NREF 53% · RITM 42% · DX 34% |
| Transaction & Payment Processing Services | 15 | -1.0% | -5.9% | -42.9% | V 74% · MA 73% · CPAY 58% |
| Diversified Capital Markets | 20 | -36.3% | 20.7% | -48.1% | OPY 196% · LPLA 136% · GOLD 90% |
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| Jefferson Capital Stock Pre-Market (-4.4%): Secondary Offering Announced | 01/06/2026 | |
| Jefferson Capital Earnings Notes | 12/16/2025 |
| Title | |
|---|---|
| ARTICLES |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 23.05 |
| Mkt Cap | 1.6 |
| Rev LTM | 1,622 |
| Op Inc LTM | 347 |
| FCF LTM | 173 |
| FCF 3Y Avg | 114 |
| CFO LTM | 186 |
| CFO 3Y Avg | 151 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 14.6% |
| Rev Chg 3Y Avg | 6.8% |
| Rev Chg Q | 8.9% |
| QoQ Delta Rev Chg LTM | 2.1% |
| Op Inc Chg LTM | 67.8% |
| Op Inc Chg 3Y Avg | 207.7% |
| Op Mgn LTM | 37.7% |
| Op Mgn 3Y Avg | 22.4% |
| QoQ Delta Op Mgn LTM | 0.9% |
| CFO/Rev LTM | 20.7% |
| CFO/Rev 3Y Avg | 10.1% |
| FCF/Rev LTM | 20.0% |
| FCF/Rev 3Y Avg | 7.5% |
Price Behavior
| Market Price | $20.54 | |
| Market Cap ($ Bil) | 1.1 | |
| First Trading Date | 03/27/2015 | |
| Distance from 52W High | -13.5% | |
| 50 Days | 200 Days | |
| DMA Price | $20.73 | $18.09 |
| DMA Trend | up | up |
| Distance from DMA | -0.9% | 13.6% |
| 3M | 1YR | |
| Volatility | 38.0% | 35.9% |
| Downside Capture | 31.36 | 74.41 |
| Upside Capture | 123.71 | 83.16 |
| Correlation (SPY) | 14.8% | 29.9% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 1.08 | 0.76 | 0.19 | 0.54 | 0.80 | 0.06 |
| Up Beta | 1.14 | -0.37 | 0.22 | 0.29 | 0.90 | 0.26 |
| Down Beta | 7.72 | 1.16 | -0.09 | 0.60 | 1.01 | -0.04 |
| Up Capture | 62% | 131% | 78% | 55% | 62% | 9% |
| Bmk +ve Days | 10 | 21 | 32 | 68 | 138 | 427 |
| Stock +ve Days | 9 | 19 | 32 | 63 | 125 | 144 |
| Down Capture | -15% | 95% | -25% | 71% | 75% | 54% |
| Bmk -ve Days | 11 | 21 | 32 | 59 | 113 | 324 |
| Stock -ve Days | 12 | 23 | 32 | 64 | 124 | 148 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with JCAP | |
|---|---|---|---|---|
| JCAP | 20.1% | 35.9% | 0.57 | - |
| Sector ETF (XLF) | 4.5% | 14.6% | 0.08 | 33.7% |
| Equity (SPY) | 16.9% | 12.9% | 0.94 | 30.0% |
| Gold (GLD) | 19.1% | 29.3% | 0.60 | 1.1% |
| Commodities (DBC) | 46.3% | 20.6% | 1.73 | -16.8% |
| Real Estate (VNQ) | 4.9% | 13.6% | 0.10 | 29.6% |
| Bitcoin (BTCUSD) | -30.6% | 44.3% | -0.70 | 19.3% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with JCAP | |
|---|---|---|---|---|
| JCAP | 3.3% | 36.0% | 0.43 | - |
| Sector ETF (XLF) | 10.1% | 18.4% | 0.41 | 32.3% |
| Equity (SPY) | 12.9% | 17.2% | 0.57 | 31.3% |
| Gold (GLD) | 19.1% | 18.8% | 0.83 | -0.1% |
| Commodities (DBC) | 11.2% | 19.5% | 0.45 | -15.0% |
| Real Estate (VNQ) | 1.1% | 18.8% | -0.05 | 24.3% |
| Bitcoin (BTCUSD) | 12.5% | 52.5% | 0.42 | 18.9% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with JCAP | |
|---|---|---|---|---|
| JCAP | 1.7% | 36.0% | 0.43 | - |
| Sector ETF (XLF) | 12.9% | 22.1% | 0.53 | 32.3% |
| Equity (SPY) | 15.1% | 18.0% | 0.72 | 31.3% |
| Gold (GLD) | 12.1% | 16.4% | 0.61 | -0.1% |
| Commodities (DBC) | 8.3% | 18.1% | 0.37 | -15.0% |
| Real Estate (VNQ) | 4.4% | 20.7% | 0.18 | 24.3% |
| Bitcoin (BTCUSD) | 62.6% | 66.2% | 1.02 | 18.9% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Earnings Returns History
Updated 9/16/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 8/13/2026 | 11.1% | 3.4% | 0.6% |
| 5/14/2026 | -4.4% | -7.0% | -11.5% |
| 3/12/2026 | -2.7% | -0.5% | -0.7% |
| 11/13/2025 | 6.6% | -0.1% | 7.6% |
| 8/14/2025 | -1.3% | -5.1% | -4.7% |
| SUMMARY STATS | |||
| # Positive | 2 | 1 | 2 |
| # Negative | 3 | 4 | 3 |
| Median Positive | 8.8% | 3.4% | 4.1% |
| Median Negative | -2.7% | -2.8% | -4.7% |
| Max Positive | 11.1% | 3.4% | 7.6% |
| Max Negative | -4.4% | -7.0% | -11.5% |
| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 8/13/2026 | 11.1% | 3.4% | 0.6% |
| 5/14/2026 | -4.4% | -7.0% | -11.5% |
| 3/12/2026 | -2.7% | -0.5% | -0.7% |
| 11/13/2025 | 6.6% | -0.1% | 7.6% |
| 8/14/2025 | -1.3% | -5.1% | -4.7% |
| SUMMARY STATS | |||
| # Positive | 2 | 1 | 2 |
| # Negative | 3 | 4 | 3 |
| Median Positive | 8.8% | 3.4% | 4.1% |
| Median Negative | -2.7% | -2.8% | -4.7% |
| Max Positive | 11.1% | 3.4% | 7.6% |
| Max Negative | -4.4% | -7.0% | -11.5% |
Insider Activity
Updated 8/26/2026| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Person, Penelope Joann | Chief Commercial Officer | Direct | Sell | 8262026 | 22.04 | 246 | 5,422 | 9,637,321 | Form |
| 2 | Zellmann, Mark Joseph | President US Business Lines | Direct | Sell | 8192026 | 23.75 | 56,000 | 1,330,101 | 15,147,639 | Form |
| 3 | Jcf, Iv Jcap Holding LP | See Footnotes | Sell | 1132026 | 19.63 | 11,000,000 | 215,916,800 | 642,289,825 | Form |
| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Person, Penelope Joann | Chief Commercial Officer | Direct | Sell | 8262026 | 22.04 | 246 | 5,422 | 9,637,321 | Form |
| 2 | Zellmann, Mark Joseph | President US Business Lines | Direct | Sell | 8192026 | 23.75 | 56,000 | 1,330,101 | 15,147,639 | Form |
| 3 | Jcf, Iv Jcap Holding LP | See Footnotes | Sell | 1132026 | 19.63 | 11,000,000 | 215,916,800 | 642,289,825 | Form |
Industry Resources
| Financials Resources |
| Federal Reserve Economic Data |
| Federal Reserve |
| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Consumer Finance Resources |
| Consumer Financial Protection Bureau (CFPB) |
| InsideARM |
| The Nilson Report |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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