Welcome to our dedicated page for Jefferson Capital SEC filings (Ticker: JCAP), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Jefferson Capital, Inc.'s SEC filings document its public-company reporting as a purchaser and manager of charged-off, insolvency and active consumer accounts. Form 8-K filings record operating and financial results, material agreements, credit-facility amendments, capital-structure disclosures, dividend-related announcements and other reportable corporate events.
The company's proxy and governance filings cover annual meeting matters, shareholder voting, board composition, director changes and executive compensation. Registration-statement and prospectus-related disclosures provide context on its emerging growth company status, risk factors, securities structure and the business economics of buying, servicing and collecting consumer receivable portfolios.
Jefferson Capital, Inc. reported a board change on March 18, 2026. Christopher Giles resigned as a Class II director effective immediately to focus on other professional commitments, and the company stated his resignation was not due to any disagreement over operations, policies, or practices.
The board appointed Susan Atkins as a Class II director and James Pierce as a Class III director, with terms ending at the 2027 and 2028 annual meetings, respectively. Each new director received an option to purchase 50,000 common shares, half at fair market value on the grant date and half at fair market value plus $14.00, vesting in equal annual installments over three years, subject to continued board service.
Jefferson Capital, Inc. filed an update to its 2025 executive compensation disclosure. On March 11, 2025, the board approved 2025 annual cash bonuses for President and CEO David Burton at 100% of his target and for President of U.S. Business Lines Mark Zellmann at 86% of his target, based on 2025 performance. The company also finalized performance-based commissions for Chief Commercial Officer Penelope Person for 2025 and has now incorporated these amounts into its 2025 Summary Compensation Table originally included in its January 5, 2026 prospectus. After these additions, 2025 non-equity incentive plan compensation was $382,884 for Burton, $247,202 for Zellmann, and $208,864 for Person, bringing their 2025 total compensation to $3,795,973, $1,062,184, and $633,060, respectively.
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.
Jefferson Capital, Inc. files its annual report describing a global business that buys and services nonperforming consumer receivables across the U.S., Canada, the U.K. and Latin America. The company purchases charged-off and distressed portfolios, then collects through legal and call-center channels and third-party agencies.
In June 2025, Jefferson Capital completed an IPO in which selling shareholders sold 10,875,000 shares at $15.00 per share and the company issued 625,000 shares, generating net proceeds of $4.5 million. As of June 30, 2025, common stock held by non-affiliates had an aggregate market value of $316.0 million, and as of March 12 there were 55,329,124 shares outstanding.
The report highlights a $196.3 million purchase of Bluestem credit card assets, with estimated remaining collections of $295.6 million, and discusses prior Conn’s portfolio purchases. Extensive risk disclosures cover economic downturns, concentration in a few large sellers, regulatory and litigation exposure, international and tax changes, reliance on outsourcing (including operations in Mumbai), and growing cybersecurity and data privacy obligations under regimes such as CFPB rules, GDPR and CCPA.
Jefferson Capital, Inc. reported strong fourth quarter and full year 2025 results, highlighted by record performance across key metrics. Fourth quarter collections rose to $245.3 million, up 40.7% year over year, while deployments increased to $380.5 million, up 6.3%.
Estimated remaining collections reached $3.38 billion as of December 31, 2025, up 23.1% from 2024, reflecting a larger future cash flow pipeline. Fourth quarter pre-tax income grew 50% to $44.1 million, with net income of $37.7 million and EPS of $0.58. Adjusted pre-tax income was $51.1 million, and adjusted net income was $44.7 million.
For full year 2025, total revenues increased to $613.3 million from $433.3 million, and net income rose to $188.0 million from $128.9 million. The leverage ratio improved to 1.82x from 2.72x, showing stronger balance sheet capacity. The Board declared a quarterly cash dividend of $0.24 per share, payable on April 2, 2026 to shareholders of record on March 24, 2026.
Recent developments include the closing of the Bluestem portfolio purchase on December 4, 2025, which management expects to contribute meaningfully to 2026 results. In January 2026, existing stockholders sold 11.5 million shares in a secondary offering at $20.50 per share, and the company repurchased and retired 3.0 million shares, reducing J.C. Flowers’ ownership to 53% and increasing public float and liquidity.
Jefferson Capital, Inc. disclosed that investor David M. Burton beneficially owned 3,777,500 shares of its common stock as of June 30, 2025, representing 5.8% of the outstanding shares based on 64,685,082 shares then outstanding. Burton had sole voting and dispositive power over these shares.
The filing notes that 385,000 shares of common stock were sold on January 9, 2026, after which Burton’s beneficial ownership decreased to 5.5% of Jefferson Capital’s outstanding common stock, based on 61,629,228 shares outstanding as of January 8, 2026. The position is held directly in Burton’s name, and no group or additional controlling entities are identified.
Jefferson Capital, Inc. director and Chief Executive Officer and President David M. Burton reported a sale of common stock. On January 9, 2026, he sold 385,000 shares of Jefferson Capital common stock at $20.50 per share, coded as an open market or similar sale ("S").
According to the footnote, this represents the sale of shares to the underwriters in the issuer's secondary offering, rather than ordinary open-market trading. After this transaction, Burton beneficially owned 3,392,500 shares of Jefferson Capital common stock in direct form.
JCF IV JCAP Holding L.P. and affiliated JCF entities reported a large secondary sale of Jefferson Capital, Inc. (JCAP) common stock. On January 9, 2026, they sold 11,000,000 shares of common stock at a sale price of $19.6288 per share in a secondary offering that closed that day. Following this transaction, the filing reports that 32,721,808 shares of Jefferson Capital common stock were beneficially owned on an indirect basis.
The securities in this transaction are held directly by JCF IV JCAP Holding L.P., with a chain of general partners and controlling entities including JCF IV JCAP Holding GP LLC, JCF Associates IV L.P., JCF Associates IV Ltd., and J. Christopher Flowers. The reporting persons state that they disclaim beneficial ownership of the reported securities except to the extent of their pecuniary interest.
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. 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.