Jefferson Capital, Inc.
Jefferson Capital, Inc. (Nasdaq: JCAP) operates as a debt recovery solutions provider serving consumer receivables across North America, the United Kingdom, and Latin America. The company purchases portfolios of nonperforming loans at significant discounts to face value and manages collections through both legal and… From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What Jefferson Capital, Inc. does
In the company’s own words
Jefferson Capital, Inc. (Nasdaq: JCAP) operates as a debt recovery solutions provider serving consumer receivables across North America, the United Kingdom, and Latin America. The company purchases portfolios of nonperforming loans at significant discounts to face value and manages collections through both legal and voluntary channels, including internal legal operations, retained law firm networks, call centers, and third-party collection agencies. Jefferson Capital also provides debt servicing and portfolio management services to credit originators for non-performing loans and operates credit card acquisition programs.
The company's business model centers on disciplined portfolio purchasing through spot sales and forward flow arrangements with a diverse client base including Fortune 500 creditors, banks, fintech platforms, telecommunications providers, and auto finance companies. Jefferson Capital employs proprietary statistical and behavioral models for account-level valuation, enabling accurate pricing and portfolio selection across various asset classes including credit card receivables, secured and unsecured automotive loans, utilities, telecom, and other consumer receivables. The company maintains strong relationships with major financial service providers across its operating regions.
As of December 31, 2025, Jefferson Capital employed 1,120 full-time equivalents across nine offices located in Minneapolis and Sartell, Minnesota; Denver, Colorado; Basingstoke, Paisley, and London, United Kingdom; London and Toronto, Ontario; and Bogotá, Colombia. The company completed its initial public offering in June 2025, with shares trading on the Nasdaq Global Select Market. Following the IPO and a subsequent follow-on offering, J.C. Flowers affiliates held approximately 53.1% ownership, while management stockholders held 14.3% and public investors held the remainder.
In December 2025, Jefferson Capital completed the acquisition of credit card assets from Bluestem for a net purchase price of $196.3 million with estimated remaining collections of $295.6 million. The company's competitive strengths include its proprietary underwriting process, extensive consumer data sets developed since its 2002 founding, capital position, strong creditor relationships, and operational efficiency across multiple asset types and geographies.
Company details
- Sector
- Financials
- Industry
- Banks & Brokers
- Headquarters
- MINNEAPOLIS, MN
- Fiscal year end
- December
- CIK
- 2046042
- SIC
- 6153
Financial performance, year by year
Fiscal 2025–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns Jefferson Capital, Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · Jefferson Capital, Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Could not be determined for this company: bond issues.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
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