Security
Jefferson Capital, Inc. Common Stock · JCAP
JCAPNASDAQCommon stockCurrentCIK 2046042Updated Oct 6, 2026
JCAP price & chart
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NASDAQ:JCAP on TradingView ↗About the company
We are a leading analytically driven purchaser and manager of charged-off and insolvency consumer accounts with operations primarily in the United States, Canada, the United Kingdom and Latin America. The accounts we purchase are primarily the unpaid obligations of individuals owed to credit grantors, which include banks, non-bank consumer lenders, auto finance companies, utilities and telecom companies. Our core competency is the effective management of the collections function in strict compliance with applicable laws and regulations. We enable our clients to focus their operations on the origination of new loans to new customers and to better serve their active customers, while also enabling consumers to resolve their existing obligations based on their current financial circumstances as they improve their financial health. We purchase nonperforming consumer loans and receivables at a discount to their face value across a broad range of financial assets, including where the account holder has initiated a bankruptcy proceeding, or an equivalent proceeding in Canada or the United Kingdom. We manage the loans and receivables by working with the account holders as they repay their o…
In the news
Jefferson Capital Announces Proposed Private Offering of Senior Notes ↗
Recent filings
Entry into a Material Definitive Agreement
Items 1.01, 9.01
Other Events
Items 8.01, 9.01
10-Q filing
Results of Operations and Financial Condition
Items 2.02, 9.01
EFFECT filing
Show 5 more recent filings
S-3 filing
Submission of Matters to a Vote of Security Holders
Items 5.07
10-Q filing
Results of Operations and Financial Condition
Items 2.02, 9.01
Entry into a Material Definitive Agreement · Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement
Items 1.01, 2.03, 9.01
Financials
FY 2025 · USDSource
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balance sheet · annual statements
| Line item | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q2 2024 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 |
|---|---|---|---|---|---|---|---|---|---|
| ASSETS | |||||||||
| AssetsUSD | 1,802,921,000Source | — | 2,083,808,000Source | 1,767,618,000Source | — | 2,084,105,000Source | — | 2,087,373,000Source | 1,654,283,000Source |
| Property, Plant and Equipment, NetUSD | 1,867,000Source | — | 1,711,000Source | 2,304,000Source | — | 1,490,000Source | — | 1,695,000Source | 2,274,000Source |
| GoodwillUSD | 57,906,000Source | 58,117,000Source | 57,761,000Source | 58,043,000Source | 58,030,000Source | 57,915,000Source | 57,692,000Source | 58,014,000Source | 57,683,000Source |
| Current assets: | |||||||||
| Cash and Cash Equivalents, at Carrying ValueUSD | 42,270,000Source | 18,296,000Source | 20,406,000Source | 51,651,000Source | 10,485,000Source | 26,249,000Source | 26,989,000Source | 23,231,000Source | 35,506,000Source |
| Accounts Receivable | —Source | — | —Source | —Source | — | —Source | — | —Source | —Source |
| Operating Lease, Right-of-Use AssetUSD | 4,089,000Source | — | — | 4,386,000Source | — | 3,458,000Source | — | 3,658,000Source | 4,449,000Source |
| LIABILITIES AND EQUITY | |||||||||
| LiabilitiesUSD | 1,365,549,000Source | — | 1,607,618,000Source | 1,356,810,000Source | — | 1,641,230,000Source | — | 1,611,238,000Source | 1,271,754,000Source |
| Stockholders’ equity: | |||||||||
| Common Stock, Value, IssuedUSD | 6,000Source | — | 6,000Source | 6,000Source | — | 6,000Source | — | 6,000Source | — |
| Additional Paid in CapitalUSD | -60,748,000Source | — | -32,692,000Source | -69,497,000Source | — | -41,024,000Source | — | -49,549,000Source | — |
| Retained Earnings (Accumulated Deficit)USD | 500,414,000Source | — | 513,057,000Source | 477,576,000Source | — | 486,548,000Source | — | 522,632,000Source | 398,122,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -2,300,000Source | — | -4,181,000Source | 2,723,000Source | — | -2,655,000Source | — | 3,046,000Source | -15,593,000Source |
| Stockholders' Equity Attributable to ParentUSD | 437,372,000Source | 384,481,000Source | 476,190,000Source | 410,808,000Source | 362,752,000Source | 442,875,000Source | 434,640,000Source | 476,135,000Source | 382,529,000Source |
| Liabilities and EquityUSD | 1,802,921,000Source | — | 2,083,808,000Source | 1,767,618,000Source | — | 2,084,105,000Source | — | 2,087,373,000Source | 1,654,283,000Source |
| Deferred Income Tax Liabilities, NetUSD | 98,876,000Source | — | 123,688,000Source | 94,057,000Source | — | 113,186,000Source | — | 101,957,000Source | 2,193,000Source |
| Additional Financial Items | |||||||||
| Deferred Tax Liabilities, NetUSD | — | — | — | — | — | — | — | 101,918,000Source | 2,016,000Source |
| Long-term DebtUSD | — | — | — | — | — | — | — | 1,753,800,000Source | — |
cash flow · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||
| Net Income (Loss), Including Portion Attributable to Noncontrolling InterestUSD | — | — | — | — | — | — | 37,634,000Source | 64,227,000Source | 187,965,000Source | 128,891,000Source |
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||
| Depreciation, Depletion and AmortizationUSD | — | — | — | — | — | — | 872,000Source | 1,608,000Source | 5,254,000Source | 2,608,000Source |
| Share-based Payment Arrangement, Noncash ExpenseUSD | — | — | — | — | — | — | 8,525,000Source | 350,000Source | 17,224,000Source | 0Source |
| Changes in operating assets and liabilities: | ||||||||||
| Increase (Decrease) in Accounts ReceivableUSD | — | — | — | — | — | — | 2,968,000Source | 6,557,000Source | -4,594,000Source | 7,326,000Source |
| Deferred Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | 21,465,000Source | — |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | — | — | — | — | — | — | 39,640,000Source | 51,680,000Source | 268,813,000Source | 168,209,000Source |
| Cash flows from investing activities: | ||||||||||
| Payments to Acquire Businesses, Net of Cash AcquiredUSD | — | — | — | — | — | — | — | — | 0Source | 0Source |
| Net Cash Provided by (Used in) Investing ActivitiesUSD | — | — | — | — | — | — | -4,024,000Source | -56,234,000Source | -401,943,000Source | -542,365,000Source |
| Cash flows from financing activities: | ||||||||||
| Net Cash Provided by (Used in) Financing ActivitiesUSD | — | — | — | — | — | — | -36,007,000Source | -463,000Source | 149,699,000Source | 388,820,000Source |
| Dividends paid | — | — | — | — | — | — | —Source | —Source | —Source | —Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | — | — | — | — | — | — | -1,943,000Source | -7,836,000Source | 9,308,000Source | 17,639,000Source |
| Supplemental disclosure of cash flow information: | ||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | — | — | — | — | — | — | 28,935,000Source | 37,822,000Source | 95,521,000Source | 58,125,000Source |
| Income Taxes Paid, NetUSD | — | — | — | — | — | — | 2,330,000Source | 2,699,000Source | 8,434,000Source | 8,671,000Source |
| Effect of Exchange Rate on Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | — | — | — | — | — | — | -1,552,000Source | -2,819,000Source | -7,261,000Source | 2,975,000Source |
| Additional Financial Items | ||||||||||
| Share-based Payment Arrangement, ExpenseUSD | — | — | 8,800,000Source | 2,200,000Source | 8,300,000Source | -7,900,000Source | 8,500,000Source | 400,000Source | 17,200,000Source | 4,500,000Source |
| Amortization of Debt Issuance CostsUSD | — | — | 1,522,000Source | 1,091,000Source | 1,694,000Source | 1,374,000Source | 1,643,000Source | 1,120,000Source | 6,223,000Source | 4,253,000Source |
| Amortization of Intangible AssetsUSD | — | — | — | — | — | — | — | — | 3,829,000Source | 1,284,000Source |
| Foreign Currency Transaction Gain (Loss), before TaxUSD | — | — | 1,944,000Source | -440,000Source | 2,270,000Source | 1,089,000Source | 1,449,000Source | 2,459,000Source | 7,725,000Source | -5,474,000Source |
| GoodwillUSD | — | — | 57,906,000Source | 58,117,000Source | 57,761,000Source | 58,043,000Source | 57,915,000Source | 57,692,000Source | 58,014,000Source | 57,683,000Source |
| Goodwill, Impairment LossUSD | — | — | — | — | — | — | 0Source | — | 0Source | 0Source |
| Income Tax Expense (Benefit)USD | — | — | 7,151,000Source | 2,356,000Source | 12,037,000Source | 14,255,000Source | 13,422,000Source | 2,679,000Source | 30,471,000Source | 8,663,000Source |
| InterestExpenseNonoperatingUSD | — | — | 26,467,000Source | 19,753,000Source | 30,370,000Source | 25,824,000Source | 30,578,000Source | 24,819,000Source | 105,784,000Source | 77,239,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 38,362,000Source | 36,878,000Source | 41,296,000Source | 47,651,000Source | 37,634,000Source | 64,227,000Source | 187,965,000Source | 128,891,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | — | — | 34,564,000Source | 36,878,000Source | 37,184,000Source | 47,651,000Source | 33,797,000Source | 64,227,000Source | 169,375,000Source | 128,891,000Source |
| Nonoperating Income (Expense)USD | — | — | -24,523,000Source | -20,193,000Source | -28,100,000Source | -24,735,000Source | -29,129,000Source | -22,360,000Source | -98,059,000Source | -82,713,000Source |
| Operating ExpensesUSD | — | — | 80,237,000Source | 50,307,000Source | 95,350,000Source | 65,507,000Source | 95,630,000Source | 65,135,000Source | 294,434,000Source | 209,577,000Source |
| Proceeds from Issuance of Common StockUSD | — | — | — | — | — | — | — | — | 10,000,000Source | 0Source |
| Financing Receivable, Credit Loss, Expense (Reversal)USD | — | — | 569,000Source | 867,000Source | 757,000Source | 560,000Source | 624,000Source | 542,000Source | 2,360,000Source | 3,497,000Source |
| Payments to Acquire Property, Plant, and Equipment | — | — | — | — | — | — | — | — | — | — |
| Payments for Repurchase of Common Stock | — | — | — | — | — | — | —Source | —Source | — | — |
income statement · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Total RevenueUSD | — | — | 150,842,000Source | 110,601,000Source | 177,540,000Source | 152,708,000Source | 176,439,000Source | 154,943,000Source | 613,289,000Source | 433,341,000Source |
| Operating Income (Loss)USD | — | — | 70,036,000Source | 59,427,000Source | 81,433,000Source | 86,641,000Source | 80,185,000Source | 89,266,000Source | 316,495,000Source | 220,267,000Source |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | — | — | 45,513,000Source | 39,234,000Source | 53,333,000Source | 61,906,000Source | 51,056,000Source | 66,906,000Source | 218,436,000Source | 137,554,000Source |
| Income Tax Expense (Benefit)USD | — | — | 7,151,000Source | 2,356,000Source | 12,037,000Source | 14,255,000Source | 13,422,000Source | 2,679,000Source | 30,471,000Source | 8,663,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 38,362,000Source | 36,878,000Source | 41,296,000Source | 47,651,000Source | 37,634,000Source | 64,227,000Source | 187,965,000Source | 128,891,000Source |
| Earnings Per Share, BasicUSD per share | — | — | 0.59Source | — | 0.67Source | 18.61Source | 0.61Source | — | 5.64Source | — |
| Earnings Per Share, DilutedUSD per share | — | — | 0.59Source | — | 0.67Source | 16.76Source | 0.61Source | — | 5.64Source | — |
| Weighted Average Number of Shares Outstanding, Basicshares | — | — | 58,279,000Source | — | 55,515,000Source | 2,561,000Source | 55,589,000Source | — | 30,015,000Source | — |
| Weighted Average Number of Shares Outstanding, Dilutedshares | — | — | 58,279,000Source | — | 55,519,000Source | 2,843,000Source | 55,592,000Source | — | 30,015,000Source | — |
| Interest Expense (non-operating)USD | — | — | 26,467,000Source | 19,753,000Source | 30,370,000Source | 25,824,000Source | 30,578,000Source | 24,819,000Source | 105,784,000Source | 77,239,000Source |
| Additional Financial Items | ||||||||||
| Amortization of Intangible AssetsUSD | — | — | — | — | — | — | — | — | 3,829,000Source | 1,284,000Source |
| Common Stock, Dividends, Per Share, DeclaredUSD per share | — | — | 0.24Source | — | 0.24Source | 0.24Source | 0.24Source | — | 0.98Source | — |
| Current Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | 9,006,000Source | 8,663,000Source |
| Depreciation, Depletion and Amortization, NonproductionUSD | — | — | 1,350,000Source | 548,000Source | 844,000Source | 1,250,000Source | 872,000Source | 1,608,000Source | 5,254,000Source | 2,608,000Source |
| Foreign Currency Transaction Gain (Loss), before TaxUSD | — | — | 1,944,000Source | -440,000Source | 2,270,000Source | 1,089,000Source | 1,449,000Source | 2,459,000Source | 7,725,000Source | -5,474,000Source |
| Goodwill, Impairment LossUSD | — | — | — | — | — | — | 0Source | — | 0Source | 0Source |
| Income (Loss) from Continuing Operations before Income Taxes, DomesticUSD | — | — | — | — | — | — | — | — | 177,126,000Source | 101,792,000Source |
| Interest Expense, DebtUSD | — | — | 24,945,000Source | 18,662,000Source | 28,676,000Source | 24,450,000Source | 28,935,000Source | 23,699,000Source | 99,561,000Source | 72,986,000Source |
| Net Income (Loss) Available to Common Stockholders, BasicUSD | — | — | 34,564,000Source | 36,878,000Source | 37,184,000Source | 47,651,000Source | 33,797,000Source | 64,227,000Source | 169,375,000Source | 128,891,000Source |
| Nonoperating Income (Expense)USD | — | — | -24,523,000Source | -20,193,000Source | -28,100,000Source | -24,735,000Source | -29,129,000Source | -22,360,000Source | -98,059,000Source | -82,713,000Source |
| Operating ExpensesUSD | — | — | 80,237,000Source | 50,307,000Source | 95,350,000Source | 65,507,000Source | 95,630,000Source | 65,135,000Source | 294,434,000Source | 209,577,000Source |
| Undistributed Earnings (Loss) Allocated to Participating Securities, BasicUSD | — | — | 3,798,000Source | — | 4,113,000Source | — | 3,838,000Source | — | 18,590,000Source | — |
Offerings
Registration 333-297235
Registration 333-292576
- Gross proceeds
- 143500000.0
- Net proceeds
- 196287500.0
- Deal price
- 20.5
- Shares
- 7000000
- Offering price
- $20.50
- Ticker
- JCAP
Underwriters: Citizens Capital Markets, Raymond James, Truist Securities, KeyBanc Capital Markets, Regions Securities LLC, Jefferies LLC, Citizens JMP Securities, LLC, Raymond James & Associates, Inc., Truist Securities, Inc., KeyBanc Capital Markets Inc.
Filing attachments
tm2623654d1_ex4-3.htm · 8-K · 2026-08-21
EX-4.3 2 tm2623654d1_ex4-3.htm EXHIBIT 4.3 Exhibit 4.3 SUPPLEMENTAL INDENTURE FIRST SUPPLEMENTAL INDENTURE (this “Supplemental Indenture”) dated as of August 20, 2026, by and among Jefferson Capital Holdings, LLC, a Delaware limited liability company (the “Company”), each of the parties identified on Annex A hereto (the “Guarantors”) and U.S. Bank Trust Company, National Association, as Trustee (the “Trustee”). WITNESSETH: WHEREAS, the Company, the Guarantors, and the Trustee are party t…
Read attachment ↗tm2623167d1_ex99-1.htm · 8-K · 2026-08-18
EX-99.1 2 tm2623167d1_ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 Jefferson Capital Announces Proposed Private Offering of Senior Notes MINNEAPOLIS, Aug. 18, 2026 (GLOBE NEWSWIRE) - -- Jefferson Capital, Inc. (NASDAQ: JCAP) (“Jefferson Capital”), announced today the launch of an offering (the “Offering”) of $100 million in aggregate principal amount of senior notes due 2030 (the “Add-On Notes”) by Jefferson Capital Holdings, LLC (the “Issuer”), its indirect wholly-owned subsidiary. The Add-On Not…
Read attachment ↗tm2623167d1_ex99-2.htm · 8-K · 2026-08-18
EX-99.2 3 tm2623167d1_ex99-2.htm EXHIBIT 99.2 Exhibit 99.2 Jefferson Capital Announces Pricing of $100 Million of Senior Notes due 2030 MINNEAPOLIS, Aug. 18, 2026 (GLOBE NEWSWIRE) -- Jefferson Capital, Inc. (NASDAQ: JCAP) (“ Jefferson Capital ”), announced today the pricing of an offering (the “ Offering ”) of $100 million aggregate principal amount of 8.250% senior notes due 2030 (the “ Add-On Notes ”) by Jefferson Capital Holdings, LLC (the “ Issuer ”), its indirect wholly-owned subsidia…
Read attachment ↗jcap-20260813xex99d1.htm · 8-K · 2026-08-13
EX-99.1 2 jcap-20260813xex99d1.htm EX-99.1 Exhibit 99.1 Jefferson Capital Reports Second Quarter 2026 Results Collections Grow 18% to $300.9 Million and Deployments grow 21% to $152.2 Million Estimated Remaining Collections (“ERC”) up 18% to $3.4 Billion Pre-tax Income of $53.3 Million with Net Income of $41.3 Million and EPS of $0.67 Adjusted Pre-tax Income of $59.3 Million with Adjusted Net Income of $47.3 Million and Adjusted EPS of $0.77 Board of Directors Declares Quarterly Cash D…
Read attachment ↗tm2619478d2_ex4-4.htm · S-3 · 2026-07-02
Exhibit 4.4 JEFFERSON CAPITAL, INC. INDENTURE Dated as of ___________, 20___ U.S. Bank Trust Company, National Association Trustee TABLE OF CONTENTS Page ARTICLE I. DEFINITIONS AND INCORPORATION BY REFERENCE 1 Section 1.1. Definitions 1 Section 1.2. Other Definitions …
Read attachment ↗jcap-20260514xex99d1.htm · 8-K · 2026-05-14
EX-99.1 2 jcap-20260514xex99d1.htm EX-99.1 Exhibit 99.1 Jefferson Capital Reports First Quarter 2026 Results Record Quarterly Collections Grow 19% to $309.9 Million Estimated Remaining Collections (“ERC”) up 18% to $3.4 Billion Pre-tax Income of $51.1 Million with Net Income of $37.6 Million and EPS of $0.61 Adjusted Pre-tax Income of $58.4 Million with Adjusted Net Income of $44.9 Million and Adjusted EPS of $0.73 Board of Directors Declares Quarterly Cash Dividend of $0.24 per Share …
Read attachment ↗