Jefferson Capital, Inc. / DEJCAP
What Jefferson Capital, Inc. / DE does.
The accompanying combined and consolidated financial statements include the combined and consolidated results of operations of Jefferson Capital, Inc., and its subsidiaries (the “Company”). Jefferson Capital, Inc. is a Delaware corporation headquartered in Minneapolis, Minnesota.
The Company and its subsidiaries in the U.S., Canada, the U.K and Latin America, provide debt recovery solutions and other related services across a broad range of consumer receivables, including credit card, secured and unsecured automotive, utilities, telecom, and other receivables. The Company primarily purchases portfolios of consumer receivables at deep discounts to face value and manages them by working with individuals as they repay their obligations and work toward financial recovery. Previously charged-off receivables include receivables subject to bankruptcy proceedings. The Company also provides debt servicing and other portfolio management services to credit originators for non-performing loans. Through credit card acquisition programs, the Company earns credit card revenue. All deployments are purchased from independent third parties.
The Company purchases portfolios of receivables from a diverse client base, including Fortune 500 creditors, banks, fintech origination platforms, telecommunications providers, credit card issuers, and auto finance companies. The Company’s top five clients accounted for 45.2% and 55.3%, with the top client representing 23.6% and 32.8% of purchases for the years ended December 31, 2025 and 2024, respectively. For credit card receivables, the Company purchases from two issuers.
Revenue and profit, by fiscal year.
| Fiscal year | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue | — | $323.1M | $433.3M | $613.3M |
| Net income | — | $111.5M | $128.9M | $188.0M |
More on JCAP.
- Jefferson Capital, Inc. / DE summary
- Jefferson Capital, Inc. / DE financial statements
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- Jefferson Capital, Inc. / DE health scores and style box
- Jefferson Capital, Inc. / DE earnings
- Jefferson Capital, Inc. / DE dividends
- Jefferson Capital, Inc. / DE valuation
- Jefferson Capital, Inc. / DE ownership and insiders
- Jefferson Capital, Inc. / DE peers
Figures from Jefferson Capital, Inc. / DE's filings with the U.S. SEC, standardised automatically; prices are end-of-day closes. Not financial advice.