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Jefferson Capital
Jefferson Capital (JCAP) investor relations material
Jefferson Capital Registration Filing summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Registration Filing summary5 Jan, 2026
Company overview and business model
Purchases and manages charged-off and insolvency consumer accounts in the US, Canada, UK, and Latin America, focusing on nonperforming loans and receivables at a discount to face value.
Core strengths include compliance, proprietary analytics, and a variable cost structure leveraging both internal and external servicing resources.
Operates through four geographic segments and two main business lines: Distressed (nonperforming loans) and Insolvency (bankruptcy-related receivables).
Maintains long-term client relationships, with forward flow agreements providing contractual certainty and recurring portfolio purchases.
Recent growth driven by strategic acquisitions (Canaccede in Canada, Refinancia in Colombia) and large portfolio purchases (Conn's, Bluestem).
Financial performance and metrics
Reported net income of $128.9M in 2024, $111.5M in 2023, and $150.2M for the nine months ended September 30, 2025.
Revenue grew to $433.3M in 2024, up 34.1% from $323.1M in 2023; net operating income was $220.3M in 2024.
As of September 30, 2025, ERC (estimated remaining collections) was $2.93B, up 6.7% from December 2024.
Adjusted net income for 2024 was $162.3M; adjusted cash EBITDA was $430.8M in 2024 and $594.3M for the twelve months ended September 30, 2025.
Leverage ratio (net debt/adjusted cash EBITDA) was 1.59x as of September 30, 2025, lower than primary competitors.
Cash efficiency ratio was 68.7% in 2024, outperforming key competitors.
Use of proceeds and capital allocation
No proceeds from this offering will go to the company; all proceeds go to selling stockholders.
Company will repurchase 3,000,000 shares from underwriters, funded by borrowings under the Revolving Credit Facility.
Recent capital allocation includes large portfolio purchases and ongoing quarterly dividends of $0.24 per share.
UK high street bank market entry strategy
JCAP's AI strategy for collection efficiency
Conn's portfolio performance update
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Next Jefferson Capital earnings date
Q4 202526 Feb, 2026
Jefferson Capital
Next Jefferson Capital earnings date
Q4 202526 Feb, 2026
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