Jefferson Capital, Inc. / DE

Listed Company

JCAPCIK 0002046042NasdaqNon-AcceleratedEmerging GrowthShort-Term Business Credit InstitutionsDelawareFY ends Dec 31

Period

FY 2025

Revenue

$613.29M

Net Income

$187.97M

Total Assets

$2.09B

Equity

$476.13M

Shares Out

55.33M

Op. Cash Flow

$268.81M

Business

Jefferson Capital, Inc. / DE is a publicly listed company in Short-Term Business Credit Institutions, incorporated in Delaware. Common stock trades on Nasdaq under the ticker JCAP.

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Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31
Total portfolio income	560	396	307
Changes in recoveries	6	−419,000	−13
Total portfolio revenue	566	396	294
Credit card revenue	7	8	9
Servicing revenue	40	29	21
Total Revenues	613	433	323
Provision for credit losses	2	3	4
Salaries and benefits	65	48	37
Servicing expenses	187	131	102
Depreciation and amortization	5	3	2
Professional fees	19	11	7
Other selling, general and administrative	19	17	8
Total Operating Expenses	294	210	155
Net Operating Income	316	220	164
Interest expense	−106	−77	−48
Foreign exchange and other income (expense)	8	−5	5
Total other expense	−98	−83	−43
Income Before Income Taxes	218	138	121
Provision for income taxes	−30	−9	−9
Net income	188	129	112
Net income attributable to noncontrolling interest	—	—	−20,000
Net Income attributable to Jefferson Capital, Inc.	188	129	112
Foreign currency translation gain / (loss)	19	−14	8
Comprehensive Income	207	115	120
Earnings per share, Basic (in dollars per share)	5.64	—	—
Earnings per share, Diluted (in dollars per share)	5.64	—	—
Weighted average common shares outstanding, Basic (in shares)	30	—	—
Weighted average common shares outstanding, Diluted (in shares)	30	—	—

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31
Cash and cash equivalents	23	36	14
Restricted cash	24	3	6
Accounts receivable	12	17	—
Other assets	16	14	—
Property, plant and equipment, net	2	2	—
Other intangible assets, net	7	10	—
Goodwill	58	58	57
Total Assets	2,087	1,654	—
Accounts payable and accrued expenses	95	70	—
Other liabilities	4	5	—
Current tax liabilities	855,000	—	—
Deferred tax liabilities	102	2	—
Notes payable, net	1,409	1,195	—
Total Liabilities	1,611	1,272	—
Common Stock par value $0.0001 per share; 330,000,000 shares and 0 shares authorized as of December 31, 2025 and December 31, 2024 and 58,298,923 and 0 shares issued and outstanding as of December 31, 2025 and December 31, 2024	6,000	—	—
Additional paid-in capital	−50	—	—
Retained earnings	523	398	—
Accumulated other comprehensive income (loss)	3	−16	—
Total stockholder's equity	476	383	304
Total Liabilities and Stockholder's Equity	2,087	1,654	—

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31
Depreciation and amortization	5	3	2
Amortization of debt issuance costs	6	4	3
Provision for credit losses	2	3	4
Stock-based compensation	17	0	—
Deferred income tax	21	−527,000	−754,000
Other assets	−2	−435,000	−26
Accounts receivable	5	−7	18
Accounts payable and accrued expenses	25	37	9
Net cash provided by operating activities	269	168	120
Acquisition, net of cash acquired	0	0	−6
Purchases of property and equipment, net	−1	−6	−1
Net cash used in investing activities	−402	−542	−403
Proceeds from notes payable	1,188	1,082	655
Payments on notes payable	−969	−650	−328
Payment of debt issuance costs	−15	−7	−6
Dividends paid to stockholders	−63	−36	−31
Proceeds from issuance of common stock	10	0	—
Net cash (used in) / provided by financing activities	150	389	290
Exchange rate effects on cash balances held in foreign currencies	−7	3	−1
Net (decrease) increase in cash and cash equivalents and restricted cash	9	18	5
Interest paid	96	58	45
Income taxes paid	8	9	9
New leases assumed	566,000	2	2
Deferred tax liability recognized in connection with reorganization	79	0	—

Filings

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