JCAP files 8-K Item 2.02 for Q3 2025 earnings press release

Rhea-AI Filing Summary

Jefferson Capital, Inc. announced its financial results for the quarter ended September 30, 2025, and furnished the related press release via an Item 2.02 Form 8-K.

The press release is included as Exhibit 99.1 and is furnished, not filed, which means it is not subject to Section 18 liability and is not incorporated by reference unless specifically stated. The company’s common stock trades on the Nasdaq Global Select Market under the ticker JCAP.

8-K Event Classification

2 items: 2.02, 9.01

2 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

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Accepted by SEC EDGAR 11/13/2025 - 04:09 PM Learn about SEC filing dates

FAQ

What did JCAP disclose in this 8-K?

The company announced financial results for the quarter ended September 30, 2025, and furnished the related press release as Exhibit 99.1.

Which 8-K item applies to Jefferson Capital, Inc.?

Item 2.02, Results of Operations and Financial Condition.

Is the press release considered filed with the SEC?

No. It is furnished, not filed, and not subject to Section 18 liability or incorporation by reference unless expressly stated.

What is Jefferson Capital’s trading symbol and exchange?

The common stock trades as JCAP on the Nasdaq Global Select Market.

What exhibit contains the earnings press release for JCAP?

Exhibit 99.1 contains the press release issued on November 13, 2025.

What period do the announced results cover for JCAP?

They cover the quarter ended September 30, 2025.

DEMN0002046042falseJefferson Capital, Inc. / DE00020460422025-11-132025-11-13

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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

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FORM 8-K
CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF
THE SECURITIES EXCHANGE ACT OF 1934

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November 13, 2025

Date of Report

(Date of earliest event reported)

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Jefferson Capital, Inc.

(Exact name of registrant as specified in its charter)

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DELAWARE (State or other jurisdiction of incorporation) ​	001-42718 (Commission File Number)	33-1923926 (I.R.S. Employer Identification No.)
​	600 SOUTH HIGHWAY 169, SUITE 1575, MINNEAPOLIS, MINNESOTA 55426 (Address of principal executive offices)	55426 (Zip Code)

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Registrant’s telephone number, including area code: (320) 229-8505

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Not Applicable
(Former name or former address, if changed since last report.)

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

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☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

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☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

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☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

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☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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Securities registered pursuant to Section 12(b) of the Act:

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Title of each class:		Trading Symbol		Name of each exchange on which registered:
Common stock, $0.0001 par value per share		JCAP		Nasdaq Global Select Market
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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

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Emerging growth company ☒

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If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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Item 2.02           Results of Operations and Financial Condition.

On November 13, 2025, Jefferson Capital, Inc. (the “Company”) announced its financial results for the quarter ended September 30, 2025. The full text of the press release issued in connection with the announcement is furnished as Exhibit 99.1 to this Current Report on Form 8-K. The information contained in Item 2.02 of this Current Report on Form 8-K (including Exhibit 99.1 attached hereto) shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended, or the Exchange Act, except as expressly provided by specific reference in such a filing.

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Item 9.01           Financial Statements and Exhibits.

(d)          Exhibits

The following Exhibit 99.1 shall be deemed to be furnished, and not filed:

Exhibit No.	Description
99.1	Press release issued on November 13, 2025
104	Cover page Interactive Data File (embedded within the Inline XBRL document)

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SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

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​	Jefferson Capital, Inc.
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Date: November 13, 2025	​
​	By: /s/ Christo Realov
​	Name: Christo Realov
​	Title: Chief Financial Officer

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