Director John J. Oros granted 50,000 Jefferson Capital (JCAP) stock options

Rhea-AI Filing Summary

OROS JOHN J reported acquisition or exercise transactions in this Form 4 filing.

Jefferson Capital director John J. Oros received two stock option grants as compensation. On March 11, 2026, he was awarded options covering 25,000 shares of common stock at $20.78 per share and another 25,000 shares at $34.78 per share, each expiring on March 10, 2036.

The filing shows 25,000 derivative shares reported as beneficially owned following each transaction entry, indicating these are new grants rather than sales. A footnote explains the options vest in three equal annual installments, subject to Mr. Oros continuing to serve through each vesting date.

SEC Form 4

FORM 4

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

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

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:			3235-0287
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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

OROS JOHN J

(Last) (First) (Middle)

C/O JEFFERSON CAPITAL, INC.

600 SOUTH HIGHWAY 169, SUITE 1575

(Street)

MINNEAPOLIS MN 55426

(City) (State) (Zip)

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

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

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

3. Date of Earliest Transaction (Month/Day/Year)
03/11/2026

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

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 Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Stock option (right to buy)	(1)	03/11/2026		A		25,000		(1)	03/10/2036	Common Stock	25,000	$20.78	25,000	D
Stock option (right to buy)	(1)	03/11/2026		A		25,000		(1)	03/10/2036	Common Stock	25,000	$34.78	25,000	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.

	/s/ Matthew J. Pfohl, Attorney-in-Fact for John Oros	03/13/2026
	** 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 4 (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.

FAQ

What insider transaction did Jefferson Capital (JCAP) report for John J. Oros?

Jefferson Capital reported that director John J. Oros received two stock option grants. Each option covers 25,000 shares of common stock, awarded on March 11, 2026, as equity-based compensation rather than an open-market purchase or sale.

How many Jefferson Capital (JCAP) options did John J. Oros receive?

John J. Oros received stock options over a total of 50,000 Jefferson Capital common shares. The Form 4 lists two separate derivative awards, each for 25,000 underlying shares, both granted on March 11, 2026, under the company’s equity incentive arrangements.

What are the exercise prices of John J. Oros’s Jefferson Capital (JCAP) stock options?

The Form 4 shows two grant prices: one option award at $20.78 per share and another at $34.78 per share. Both relate to stock options giving the right to buy Jefferson Capital common stock at those specific exercise prices.

When do John J. Oros’s Jefferson Capital (JCAP) stock options expire?

Both stock option grants reported for John J. Oros are scheduled to expire on March 10, 2036. This long-dated expiration gives him a multi-year window in which vested portions of the options may be exercised, subject to applicable plan and service conditions.

How do John J. Oros’s Jefferson Capital (JCAP) options vest?

According to the footnote, the stock options vest in three equal annual installments. Each year, one-third of the option shares becomes exercisable, provided Mr. Oros continues his service with Jefferson Capital through the applicable vesting date.

Did John J. Oros buy or sell Jefferson Capital (JCAP) shares in this Form 4?

The Form 4 does not show any open-market buying or selling of Jefferson Capital shares. Instead, it reports two stock option awards coded as grants or other acquisitions, reflecting equity compensation rather than market trades in the company’s stock.