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Jefferson Capital, Inc.

corporate_fare Company Profile

Jefferson Capital, Inc.

JCAP·NASDAQ·Finance·CIK 0002046042

Jefferson Capital, Inc. is a Delaware corporation headquartered in Minneapolis, Minnesota, that provides debt recovery solutions and related services across various consumer receivables. The company operates in the U.S., Canada, the U.K., and Latin America. Its primary business involves purchasing portfolios of consumer receivables, such as credit card, secured and unsecured automotive, utilities, and telecom receivables, at significant discounts to their original value. Jefferson Capital then manages these portfolios by assisting individuals in repaying their obligations. This includes previously charged-off receivables, some of which are subject to bankruptcy proceedings. The company also offers debt servicing and other portfolio management services to credit originators for non-performing loans. Additionally, through credit card acquisition programs, the company generates credit card revenue. All deployments are acquired from independent third parties. Jefferson Capital purchases receivables portfolios from a diverse client base, including Fortune 500 creditors, banks, fintech origination platforms, telecommunications providers, credit card issuers, and auto finance companies. For the years ended December 31, 2025 and 2024, the company's top five clients accounted for 45.2% and 55.3% of purchases, respectively, with the top client representing 23.6% and 32.8% of purchases for those same periods. For credit card receivables specifically, the company purchases from two issuers. In June 2025, the company completed its initial public offering (IPO).

Jefferson Capital, Inc. (NASDAQ:JCAP) is a publicly traded company in the Finance sector. Wiseek has independently scored 14 items for JCAP at importance 7 or higher on its 1–10 market-impact scale. Its most recent item scored 7 or higher is dated 2026-08-18, rated 7/10. Across its 14 most recent items scored 7 or higher, the top rating is 9/10, with 9 rated 8 or above. Recent SEC coverage for JCAP spans 10-Q, S-3, 8-K, 4.

Recent high-impact activity:

  • Jefferson Capital Launches $100M Senior Notes Offering Due 2030
  • Jefferson Capital Q2 Revenue Beats on Strong Collections and Bluestem Deal
  • Jefferson Capital Q2 Revenue Beats, But Costs Surge and Net Income Falls 13%
  • Jefferson Capital Files S-3 for $100M Universal Shelf and $588M Secondary Offering by Major Shareholder
  • Q1 2026 Results: Revenue Up 14%, Net Income Down 41% Amid Tax Rate Hike & $59M Share Buyback

Financial Snapshot

Fiscal year ended December 31, 2025
Revenue
$613.29M
Net Income
$187.97M
Diluted EPS
$5.64
Op. Cash Flow
$268.81M
Operating Income
$316.5M
Cash & Equivalents
$23.23M
Total Debt
$1.75B
Debt / Equity
3.68×
Net Margin
30.6%
Shares Outstanding
58.3M sh
Source: 10-K · filed 2026-03-12 · accession 0001104659-26-027199

Short Interest & Short Volume

4.78 days to cover

FINRA reported short interest of 1,046,750 shares in JCAP as of the September 15, 2026 settlement, a 7.0% increase from the prior period — about 4.8 days to cover at its recent average daily volume. On October 2, 2026, 69.6% of JCAP volume reported to FINRA trade-reporting facilities was marked short.

Short interest (bi-monthly positions)1,046,750 shares as of September 15, 2026
Change vs prior period▲ 7.0%
Days to cover4.78 at avg daily volume of 219,008
Daily short volume (FINRA facilities)69.6% of 138,668 shares on October 2, 2026
5-day average short volume55.2%

Daily short sale volume covers trades reported to FINRA trade-reporting facilities and is not the same as short interest (bi-monthly reported positions). Source: FINRA — FINRA is the owner and source of this short interest and short sale volume data; it may not be redistributed.

Dilution Risk

Low risk

Filing-implied dilution signals for JCAP, detected from its recent SEC filings · based on capital-structure filings through 2026-07-02.

1 shelf registration

Company Universal Shelf Registration · Major Shareholder Secondary Offering

⚠ A more recent filing has been published for this ticker since this signal was computed; it may not yet be reflected — see the filings below.

A filing-implied signal, not a realized share count. How Wiseek tracks dilution →

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$19.25
52-week range · as of 2026-08-13 $15.5 – $23.8
Market cap
$1.11B
Volume
373.8K (1.4× avg)
3-mo avg 260.5K
Live data · 2026-10-05 04:24 UTC · Market overnight

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feed JCAP - Latest Insights

JCAP
Aug 18, 2026, 7:54 AM EDT
Source: Reuters
Importance Score:
7
Price at Filing: $22.26
Real-time Price: $19.25 info
Change: -$3.01 (-14%) info
Market Cap: $1.105B info
JCAP
Aug 13, 2026, 4:26 PM EDT
Source: Reuters
Importance Score:
7
Price at Filing: $21.61
Real-time Price: $19.25 info
Change: -$2.36 (-11%) info
Market Cap: $1.105B info
JCAP
Aug 13, 2026, 4:21 PM EDT
Filing Type: 10-Q
Importance Score:
7
Price at Filing: $21.61
Real-time Price: $19.25 info
Change: -$2.36 (-11%) info
Market Cap: $1.105B info
JCAP
Jul 02, 2026, 4:04 PM EDT
Filing Type: S-3
Importance Score:
9
Price at Filing: $18.82
Real-time Price: $19.25 info
Change: +$0.430 (+2%) info
Market Cap: $1.105B info
JCAP
May 14, 2026, 4:21 PM EDT
Filing Type: 10-Q
Importance Score:
7
Price at Filing: $18.69
Real-time Price: $19.25 info
Change: +$0.560 (+3%) info
Market Cap: $1.105B info
JCAP
May 14, 2026, 4:19 PM EDT
Source: Reuters
Importance Score:
8
Price at Filing: $18.69
Real-time Price: $19.25 info
Change: +$0.560 (+3%) info
Market Cap: $1.105B info
JCAP
May 14, 2026, 4:06 PM EDT
Filing Type: 8-K
Importance Score:
7
Price at Filing: $18.69
Real-time Price: $19.25 info
Change: +$0.560 (+3%) info
Market Cap: $1.105B info
JCAP
Apr 23, 2026, 4:47 PM EDT
Filing Type: 8-K
Importance Score:
8
Price at Filing: $20.62
Real-time Price: $19.25 info
Change: -$1.37 (-7%) info
Market Cap: $1.105B info
JCAP
Mar 12, 2026, 4:05 PM EDT
Filing Type: 8-K
Importance Score:
8
Price at Filing: $20.36
Real-time Price: $19.25 info
Change: -$1.11 (-5%) info
Market Cap: $1.105B info
JCAP
Mar 12, 2026, 4:05 PM EDT
Source: GlobeNewswire
Importance Score:
9
Price at Filing: $20.36
Real-time Price: $19.25 info
Change: -$1.11 (-5%) info
Market Cap: $1.105B info
JCAP
Jan 14, 2026, 8:29 PM EST
Filing Type: 4
Importance Score:
9
Price at Filing: $23.56
Real-time Price: $19.25 info
Change: -$4.31 (-18%) info
Market Cap: $1.105B info
JCAP
Jan 13, 2026, 4:30 PM EST
Filing Type: 4
Importance Score:
8
Price at Filing: $23.37
Real-time Price: $19.25 info
Change: -$4.12 (-18%) info
Market Cap: $1.105B info
JCAP
Jan 08, 2026, 4:53 PM EST
Filing Type: 424B4
Importance Score:
8
Price at Filing: $22.00
Real-time Price: $19.25 info
Change: -$2.75 (-13%) info
Market Cap: $1.105B info
JCAP
Jan 05, 2026, 4:19 PM EST
Filing Type: S-1
Importance Score:
8
Price at Filing: $23.02
Real-time Price: $19.25 info
Change: -$3.77 (-16%) info
Market Cap: $1.105B info
Research tools: Filing Impact Index Dilution Tracker Split Calendar Open Datasets