For Q1 FY2026 ended March 31, 2026, Jefferson Capital reported revenue of $176.4 million, up 13.9% year-over-year. Net income was $37.6 million, a decline of 41.4% from the prior year. Operating income fell 10.2% to $80.2 million, while diluted EPS was $0.61. The company had $26.2 million in cash, $442.9 million in equity, and long-term debt of $1.75 billion as of December 31, 2025.
•Revenue increased 13.9% YoY to $176.4 million.
•Net income decreased 41.4% YoY to $37.6 million.
•Operating income fell 10.2% YoY to $80.2 million.
•Diluted EPS was $0.61; long-term debt stood at $1.75 billion.
Informational summary based on SEC XBRL figures · generated by deepseek-v4-flash. Not investment advice.
Jefferson Capital provides debt recovery solutions and other related services in the United States, the United Kingdom, Canada, and Latin America. It primarily purchases portfolios of previously charged-off consumer receivables at deep discounts to face value and manage them by working with individuals as they repay their obligations and work toward financial recovery. The company offers consumer receivables, including credit card, secured and unsecured automotive, utilities, telecom, and receivables Debt servicing and portfolio management services to credit originators for nonperforming loans. Founded in 2002, Jefferson Capital is headquartered in Minneapolis, Minnesota.
Jefferson Capital, Inc. is a financial services company that specializes in debt recovery solutions. It primarily purchases portfolios of previously charged-off consumer receivables at deep discounts to their face value. The company then manages these receivables by working with individuals as they repay their obligations and work toward financial recovery. In addition to consumer receivables such as credit card, secured and unsecured automotive, utilities, and telecom debts, Jefferson Capital also offers debt servicing and portfolio management services to credit originators for nonperforming loans. The company operates in the United States, the United Kingdom, Canada, and Latin America.
On which stock exchange is Jefferson Capital (JCAP) listed and what currency is used?
Jefferson Capital, Inc. is listed on the Nasdaq Global Select Market (NasdaqGS) under the ticker symbol JCAP. The company's financials are reported in US Dollars (USD), which is the official currency of the United States where the company is headquartered. As a US-based company trading on a major US exchange, its stock is traded in USD, making it accessible to investors through standard brokerage accounts that support Nasdaq listings.
What sector and industry does Jefferson Capital (JCAP) operate in?
Jefferson Capital, Inc. operates in the Financial Services sector, specifically within the Credit Services industry. This industry includes companies that provide credit-related services such as debt collection, credit reporting, and consumer lending. Jefferson Capital's focus on purchasing and managing charged-off consumer receivables places it squarely in the credit services space, where it helps credit originators recover value from nonperforming loans while offering consumers a path to financial recovery.
Where is Jefferson Capital (JCAP) headquartered and what markets does it serve?
Jefferson Capital, Inc. is headquartered in Minneapolis, Minnesota, United States. The company was founded in 2002 and serves multiple markets across the globe. Its operations span the United States, the United Kingdom, Canada, and Latin America. This international presence allows Jefferson Capital to purchase and manage consumer receivables from various regions, including credit card, automotive, utilities, and telecom debts. The company's headquarters in Minneapolis serves as the central hub for its debt recovery and portfolio management activities.
How does Jefferson Capital (JCAP) make money?
Jefferson Capital makes money by purchasing portfolios of previously charged-off consumer receivables at deep discounts to their face value and then collecting on those debts. The company profits from the difference between the discounted purchase price and the amounts it recovers from consumers. Additionally, Jefferson Capital offers debt servicing and portfolio management services to credit originators for nonperforming loans, generating fee-based revenue. By working with individuals to repay their obligations, the company facilitates financial recovery while earning returns on its invested capital. Its diversified portfolio includes credit card, automotive, utilities, and telecom receivables across multiple countries.