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Jefferson Capital, Inc. (JCAP) reported an insider transaction by Chief Commercial Officer Penelope JoAnn Person246 shares of common stock in a sale classified as an open market or private transaction at $22.04 per share, and now holds 437,265 shares directly. The filing indicates the Rule 10b5-1 checkbox was not marked as being under a trading plan.
Jefferson Capital, Inc. (symbol JCAP) has a notice of proposed sale filed under Rule 144 for shares of its common stock held for the account of an officer named Penelope Person. The filing indicates an intention to sell up to 246 shares of Jefferson Capital common stock through Fidelity Brokerage Services LLC on the NASDAQ market.
The 246 shares were acquired from the issuer on 06/25/2026 as compensation via restricted stock vesting. The filing lists a market value of approximately $5,421.84 in connection with the proposed transaction and a date of 08/25/2026 for the planned sale. The notice is signed by Joshua Schmitt as a duly authorized representative of Fidelity, acting as attorney-in-fact for Penelope Person.
Jefferson Capital, Inc. (JCAP), through its indirect wholly owned subsidiary Jefferson Capital Holdings, LLC, issued $100 million aggregate principal amount of 8.250% Senior Notes due 2030 as an add-on to its existing notes under an Indenture with U.S. Bank Trust Company, National Association, as trustee.
The Add-On Notes are guaranteed on an unsecured senior basis by JCAP Funding Intermediate LLC, Canaccede U.S. Holdings LLC and CFG Canada Funding Intermediate, LLC. Interest accrues at 8.250% per annum, payable semiannually on May 15 and November 15, starting November 15, 2026, and the notes mature on May 15, 2030.
The issuer intends to use the net proceeds to repay a portion of borrowings under its Revolving Credit Facility and for general corporate purposes. The notes are redeemable, including an option from May 15, 2027 at specified prices and an equity-funded redemption of up to 40.0% at 108.250% of principal, and are subject to customary negative covenants and events of default.
Jefferson Capital, Inc. (JCAP) reported that officer Mark Joseph Zellmann, President US Business Lines, disposed of Common Stock on August 17, 2026. He sold 56,000 shares in open-market or private transactions at a weighted average price of $23.7518 per share, with individual trade prices ranging from $23.54 to $24.17. On the same date, he also made a charitable gift of 6,250 shares of Common Stock to Fidelity Charitable. The filing indicates these transactions were not made pursuant to a Rule 10b5-1 trading plan.
Jefferson Capital, Inc. (JCAP) disclosed that its indirect wholly owned subsidiary, Jefferson Capital Holdings, LLC, is issuing a private add-on offering of $100 million aggregate principal amount of 8.250% senior notes due 2030. These Add-On Notes will be issued under the same Indenture dated May 2, 2025, as the previously issued $500 million of 8.250% senior notes due 2030, ranking as senior unsecured obligations.
The Add-On Notes will initially be fully and unconditionally guaranteed on a senior unsecured basis by certain wholly owned domestic restricted subsidiaries. Jefferson Capital Holdings intends to use the net proceeds primarily to repay borrowings under its revolving credit facility, with any remainder for general corporate purposes, and may later reborrow under the revolver to purchase portfolios and fund acquisitions.
The notes are being sold in a private offering only to persons reasonably believed to be qualified institutional buyers and to non‑U.S. persons under Regulation S. They have not been registered under the Securities Act and may only be resold pursuant to an exemption. The offering is expected to close on August 20, 2026, subject to customary closing conditions.
Jefferson Capital, Inc. reported higher revenue but lower profitability for the quarter and six months ended June 30, 2026. Total revenues for the quarter were $177.5 million versus $152.7 million a year earlier, driven mainly by growth in portfolio revenue to $165.3 million and Bluestem portfolio contributions of $11.0 million in the quarter and $26.3 million year to date.
Operating expenses rose sharply, with quarterly servicing expenses up to $64.8 million and salaries and benefits to $21.9 million, reducing net operating income to $81.4 million from $86.6 million. Higher interest expense of $30.4 million, reflecting total notes payable of $1.41 billion, further pressured results. Quarterly net income declined to $41.3 million from $47.7 million, and six‑month net income fell to $78.9 million from $111.9 million, though stockholders’ equity remained stable at $476.2 million.
The company continues to grow its charged‑off receivables portfolio, purchasing $5,581.3 million of face value for $301.9 million in the first half of 2026 and reporting strong collection performance versus forecasts. It maintains substantial undrawn purchasing capacity through a revolving credit facility and forward flow purchase agreements, and declared a quarterly dividend of $0.24 per share on August 12, 2026.
Wellington Management Group LLP and related entities report updated passive ownership in Jefferson Capital, Inc. common stock on a Schedule 13G/A. They collectively report beneficial ownership of 2,321,550 shares, representing 4.19% of the outstanding common stock as of June 30, 2026, below the 5% reporting threshold highlighted in the filing.
The group reports 0 shares with sole voting or dispositive power and 1,996,050 shares with shared voting power, with 2,321,550 shares subject to shared dispositive power. The securities are held of record by clients of various Wellington investment advisers, which have the right to receive dividends or sale proceeds, with no single client known to hold more than 5% of the class.
Jefferson Capital, Inc. reported strong top-line growth for the quarter ended June 30, 2026. Total collections rose 17.7% year over year to $300.9 million, while deployments increased 21.5% to $152.2 million. Estimated Remaining Collections grew 17.9% to $3.36 billion, reflecting expansion of future cash flow potential across the United States, Canada, the United Kingdom and Latin America.
Total revenues for the quarter were $177.5 million, up from $152.7 million a year earlier. Pre-tax income was $53.3 million and net income was $41.3 million, with diluted EPS of $0.67; on a non-GAAP basis, adjusted pre-tax income was $59.3 million, adjusted net income $47.3 million, and adjusted EPS $0.77. For the first six months of 2026, net cash provided by operating activities was $82.9 million and total assets were $2.08 billion with a leverage ratio of 1.71x.
The board declared a quarterly cash dividend of $0.24 per share, payable September 3, 2026 to shareholders of record on August 24, 2026. Management highlights a favorable investment environment, particularly in auto finance, and continues to use several non-GAAP metrics such as Adjusted Net Income, Adjusted EPS, Cash Efficiency Ratio and Leverage to evaluate performance.