Every 10-Q that Jefferson Capital, Inc. (JCAP) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow JCAP and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full JCAP filings page.
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.
Jefferson Capital, Inc. reported Q1 2026 total revenues of $176,439k, up from $154,943k a year earlier, driven mainly by higher portfolio revenue. Net operating income declined to $80,185k from $89,266k as servicing and salary expenses increased.
Net income fell to $37,634k from $64,227k, translating into basic and diluted EPS of $0.61. Total assets were $2,084,105k and notes payable, net, were $1,433,321k with a 7.76% weighted-average interest rate, reflecting a highly levered balance sheet typical for this business model.
Operating cash flow was $39,640k, funding $149,705k of portfolio purchases and supporting a share repurchase of $58,912k plus dividends of $14,805k at $0.24 per share. Subsequently, the revolving credit facility was upsized to $1.150B and another $0.24 dividend per share was declared.
Jefferson Capital, Inc. reported strong Q3 2025 results, driven by portfolio income and servicing growth. Total Q3 revenues were $150,842 thousand, up from $110,601 thousand last year, with net income of $38,362 thousand. Nine‑month revenues reached $458,490 thousand and net income $150,234 thousand, reflecting higher collections and expanded servicing activity.
Total assets were $1,802,921 thousand, including $1,640,809 thousand of investments in receivables, net. Notes payable, net, were $1,182,584 thousand, with senior unsecured notes due 2026, 2029 and 2030 outstanding and the revolving credit facility at zero at quarter‑end. Operating cash flow for the nine months was $193,645 thousand. Following the June 2025 IPO, common shares outstanding were 58,290,473 as of November 14, 2025, and year‑to‑date dividends totaled $0.74 per share. The December 2024 Conn’s portfolio purchase totaled $244,937 thousand and contributed revenue and income in 2025.
Jefferson Capital, Inc. reported results and disclosures for the quarter ended June 30, 2025, highlighting portfolio acquisitions, funding commitments and governance structure. The company completed an IPO at $15.00 per share and had 58,266,307 shares issued and outstanding as of June 30, 2025, with IPO investors owning 17.8% and the JCF Stockholders retaining 67.6% of outstanding common stock. Jefferson purchased large receivable portfolios (face value $4,517.0 million) for $300.5 million (6.7% of face), and completed the Conn's Portfolio Purchase funded with $244.9 million in cash, which generated $54.7 million of portfolio revenue, $6.8 million of servicing revenue and $42.8 million of net operating income related to the portfolio during the period. The company reported strong collection performance, established a non-credit discount of $89.3 million at purchase, accrued an $8.6 million Canaccede Exit Incentive Payment liability, and disclosed significant leverage and multiple debt facilities including 6.000% notes due 2026 and 9.500% notes due 2029.