Jefferson Capital (JCAP) director discloses stock option positions

Rhea-AI Filing Summary

Jefferson Capital, Inc. director Susan E. Atkins has filed an initial statement of beneficial ownership, showing two direct stock option positions over the company’s common stock. Each option relates to 25,000 underlying shares, with exercise prices of $20.1300 and $34.1300, expiring on March 17, 2036. According to the disclosure, the options vest in three equal annual installments, subject to her continued service through each vesting date, and there are no reported stock purchases or sales in this filing.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Atkins Susan E.

Role Director

Type	Security	Shares	Price	Value
holding	Stock option (right to buy)	--	--	--
holding	Stock option (right to buy)	--	--	--

Holdings After Transaction: Stock option (right to buy) — 25,000 shares (Direct)

Footnotes (1)

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SEC Form 3

FORM 3

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

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0104
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1. Name and Address of Reporting Person^*

Atkins Susan E.

(Last) (First) (Middle)

C/O JEFFERSON CAPITAL, INC.

600 SOUTH HIGHWAY 169, SUITE 1575

(Street)

MINNEAPOLIS MINNESOTA 55426

(City) (State) (Zip)

UNITED STATES

(Country)

2. Date of Event Requiring Statement (Month/Day/Year)
03/18/2026

3. Issuer Name and Ticker or Trading Symbol
Jefferson Capital, Inc. / DE [ JCAP ]

3a. Foreign Trading Symbol

5. If Amendment, Date of Original Filed (Month/Day/Year)

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Stock option (right to buy)	(1)	03/17/2036	Common Stock	25,000	$20.13	D
Stock option (right to buy)	(1)	03/17/2036	Common Stock	25,000	$34.13	D

Explanation of Responses:

1. The stock options vest as to 1/3rd of the shares annually, subject to continued service through the vest date.

Remarks:

Exhibit List: Exhibit 24.1 - Power of Attorney

	/s/ Matthew J. Pfohl, as Attorney-in-Fact, for Susan E. Atkins	03/18/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 3: SEC 1473 (03-26)

FAQ

What does the Jefferson Capital (JCAP) Form 3 filing by Susan E. Atkins show?

The Form 3 shows Susan E. Atkins’ initial beneficial ownership in Jefferson Capital. She reports two direct stock option positions, each over 25,000 common shares, with exercise prices of $20.1300 and $34.1300, both expiring on March 17, 2036.

How many Jefferson Capital (JCAP) shares are covered by Susan Atkins’ options?

Susan Atkins’ disclosed options cover 50,000 Jefferson Capital common shares in total. The filing lists two separate stock option positions, each tied to 25,000 underlying common shares, giving her option-based exposure to 25,000 shares at each of the two stated exercise prices.

What are the exercise prices and expiration dates of the JCAP options held by Susan Atkins?

The options have exercise prices of $20.1300 and $34.1300 and expire on March 17, 2036. Both positions are stock options on Jefferson Capital common stock and are reported as directly owned derivative securities in the Form 3 filing.

How do Susan Atkins’ Jefferson Capital stock options vest?

The stock options vest in three equal annual installments. A footnote explains that one-third of the shares underlying each option vests annually, provided Susan Atkins continues to serve through each applicable vesting date, making vesting dependent on her continued service with the company.

Does the Jefferson Capital (JCAP) Form 3 report any stock purchases or sales by Susan Atkins?

No stock purchases or sales are reported in this Form 3. The entries are classified as holdings of derivative securities, specifically stock options, and the transaction summary shows no buy or sell transactions, only two holding entries with unknown transaction codes.