Jefferson Capital Inc
jcap.comWhat Do They Do?
Buys and collects consumer debt portfolios, and provides debt servicing and portfolio management for credit originators.
10-K for FY2025, filed Mar 13, 2026
How Do They Make Money?
It buys consumer receivable portfolios and collects money as individuals repay; credit originators also use its debt servicing and portfolio-management services, and its credit card programs generate credit card revenue.
10-K for FY2025, filed Mar 13, 2026The Company and its subsidiaries in the U.S., Canada, the U.K and Latin America, provide debt recovery solutions and other related services…View ↗
We purchase portfolios of nonperforming loans, and occasionally those that are performing but with significant credit deterioration…View ↗
We have two primary types of collection channels for the collection of our purchased receivables, legal and voluntary. The legal collection…View ↗
Our primary competitors in our fee-based business are providers of outsourced receivables management services. Regulatory complexity and…View ↗
-
10-K for FY2025, filed Mar 13, 2026
FY2025 revenue by reportable segment ↗
$613.3M
-
10-K for FY2025, filed Mar 13, 2026
$613.3M ↗
| Segment | Share | Revenue |
|---|---|---|
|
United States
|
73% |
United States, FY2025
$450.3M Sources
|
|
United Kingdom
|
8.3% |
United Kingdom, FY2025
$50.7M Sources
|
|
Canada
|
12% |
Canada, FY2025
$71.8M Sources
|
|
Latin America
|
6.6% |
Latin America, FY2025
$40.4M Sources
|
Who Are Their Customers?
Banks, fintech platforms and other creditors sell receivable portfolios through auctions, negotiated deals or periodic forward-flow arrangements. Credit originators also use its debt servicing and portfolio-management services.
10-K for FY2025, filed Mar 13, 2026The Company purchases portfolios of receivables from a diverse client base, including Fortune 500 creditors, banks, fintech origination…View ↗
We purchase portfolios of nonperforming loans, and occasionally those that are performing but with significant credit deterioration…View ↗
We purchase portfolios of nonperforming loans from credit grantors through auctions and negotiated sales. In an auction process, the seller…View ↗
The Company and its subsidiaries in the U.S., Canada, the U.K and Latin America, provide debt recovery solutions and other related services…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 31 cents of every revenue dollar as net income in FY2025.
10-K for FY2025, filed Mar 13, 2026
How Are They Changing?
- Net income
-
Sources
10-Q for Q2 FY2026, filed Aug 13, 2026
$41.3MView ↗
- ▼ −13%
- vs $47.7M in Q2 FY2025
10-Q for Q2 FY2026, filed Aug 13, 2026
Open tableView ↗
Loading...
