Annuncio • May 16
Jefferson Capital, Inc. Declares Quarterly Dividend, Payable on June 4, 2026 Jefferson Capital, Inc. declared a quarterly cash dividend of $0.24 per share on its outstanding common stock, payable on June 4, 2026, to shareholders of record as of the close of business on May 26, 2026. Notizie in diretta • May 16
Jefferson Capital Sets Q1 Records With US$310 Million Collections and Expands Credit Facility Jefferson Capital reported record Q1 2026 collections of about $310 million, which the company said was a 19% increase year over year. Revenue for the quarter was $176 million, described as up 14%, with estimated remaining collections at $3.4 billion, an 18% rise according to the company. The company cited a sector-leading cash efficiency ratio of 73%, while operating expenses rose 47%. It reported pre-tax income of $51.1 million, net income of $37.6 million, declared a $0.24 per-share dividend, and completed an upsized $1.15 billion revolving credit facility.
The combination of higher collections, increased estimated remaining collections and access to a larger credit facility suggests a company expanding its activity while still generating earnings and returning cash through dividends.
The sharp rise in operating expenses and greater use of credit are key areas to watch, since they can affect future profitability and balance sheet flexibility if not accompanied by sustained cash generation. Reported Earnings • May 15
First quarter 2026 earnings: Revenues exceed analysts expectations while EPS lags behind First quarter 2026 results: EPS: US$0.68. Revenue: US$176.4m (up 17% from 1Q 2025). Net income: US$37.6m (down 41% from 1Q 2025). Profit margin: 21% (down from 42% in 1Q 2025). Revenue exceeded analyst estimates by 3.3%. Earnings per share (EPS) missed analyst estimates by 14%. Revenue is forecast to grow 6.3% p.a. on average during the next 2 years, compared to a 13% growth forecast for the Consumer Finance industry in the US. New Risk • May 15
New minor risk - Profit margin trend The company's profit margins are lower than last year and have reduced by more than 30%. Net profit margin: 23% Last year net profit margin: 33% This is considered a minor risk. A large drop in profit margin could indicate the company does not have strong competitive advantages or it is yet to establish itself and its core business. Even if it is a well established business, this may make it a much riskier investment than one that has a combination of proven competitive advantages and a stable or growing profit margin. Currently, the following risks have been identified for the company: Major Risk Debt is not well covered by operating cash flow (18% operating cash flow to total debt). Minor Risks Large one-off items impacting financial results. Profit margins are more than 30% lower than last year (23% net profit margin). Annuncio • May 01
Jefferson Capital, Inc. to Report Q1, 2026 Results on May 14, 2026 Jefferson Capital, Inc. announced that they will report Q1, 2026 results After-Market on May 14, 2026 Annuncio • Apr 22
Jefferson Capital, Inc., Annual General Meeting, Jun 05, 2026 Jefferson Capital, Inc., Annual General Meeting, Jun 05, 2026. Annuncio • Mar 19
Jefferson Capital, Inc. Announces Board Changes Jefferson Capital, Inc. announced the appointment of Susan Atkins and James Pierce to its Board of Directors, effective March 18, 2026. The company also announced that Christopher Giles is stepping down from its Board of Directors, on which he has served since 2018 to focus on his other professional commitments and as part of the Board’s evolution as a public company. Susan Atkins has more than 40 years of experience leading complex corporate initiatives, with deep expertise in corporate finance, risk management, strategy, and governance. She previously served as Global Head of Wholesale Restructuring at JPMorgan and currently serves as an independent director for several pre- and post-restructuring companies. Ms. Atkins also serves on the Creditor Advisory Committee of the FTX Post-Bankruptcy Trust. James Pierce currently serves as the Chief Operating Officer at Minnesota Diversified Industries, and previously served as Chief Information Officer at SALO Korn Ferry. Prior to that, Mr. Pierce spent over 30 years at Cargill in a variety of leadership capacities in IT and commercial business development. Mr. Pierce also serves as an Independent Board Director at MinnWest Bank. Upcoming Dividend • Mar 17
Upcoming dividend of US$0.24 per share Eligible shareholders must have bought the stock before 24 March 2026. Payment date: 02 April 2026. Payout ratio is a comfortable 8.5% and this is well supported by cash flows. Trailing yield: 4.7%. Within top quartile of American dividend payers (4.4%). Higher than average of industry peers (1.9%). New Risk • Mar 15
New minor risk - Earnings quality The company has large one-off items impacting its financial results. One-off items were 23% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. Currently, the following risks have been identified for the company: Major Risks Debt is not well covered by operating cash flow (19% operating cash flow to total debt). Earnings are forecast to decline by an average of 5.3% per year for the foreseeable future. Minor Risks Large one-off items impacting financial results. Significant insider selling over the past 3 months (US$7.9m sold). Reported Earnings • Mar 13
Full year 2025 earnings: EPS exceeds analyst expectations Full year 2025 results: EPS: US$6.26. Revenue: US$613.3m (up 41% from FY 2024). Net income: US$188.0m (up 46% from FY 2024). Profit margin: 31% (in line with FY 2024). Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 75%. Revenue is forecast to grow 6.5% p.a. on average during the next 2 years, compared to a 13% growth forecast for the Consumer Finance industry in the US. Annuncio • Mar 13
Jefferson Capital, Inc. Declares Quarterly Cash Dividend, Payable on April 2, 2026 The Board of Directors of Jefferson Capital, Inc. declared a quarterly cash dividend of $0.24 per share on its outstanding common stock, payable on April 2, 2026, to shareholders of record as of the close of business on March 24, 2026. Annuncio • Feb 27
Jefferson Capital, Inc. to Report Q4, 2025 Results on Mar 12, 2026 Jefferson Capital, Inc. announced that they will report Q4, 2025 results After-Market on Mar 12, 2026 Annuncio • Jan 08
Jefferson Capital, Inc. has completed a Follow-on Equity Offering in the amount of $205 million. Jefferson Capital, Inc. has completed a Follow-on Equity Offering in the amount of $205 million.
Security Name: Common Stock
Security Type: Common Stock
Securities Offered: 10,000,000
Price\Range: $20.5
Discount Per Security: $0.87 Annuncio • Jan 06
Jefferson Capital, Inc. has filed a Follow-on Equity Offering in the amount of $256.91 million. Jefferson Capital, Inc. has filed a Follow-on Equity Offering in the amount of $256.91 million.
Security Name: Common Stock
Security Type: Common Stock
Securities Offered: 10,000,000 Annuncio • Dec 06
Jefferson Capital, Inc. (NasdaqGS:JCAP) acquired Credit Card Portfolio from Bluestem Brands, Inc. for approximately $196.1 million. Jefferson Capital, Inc. (NasdaqGS:JCAP) entered into a definitive asset purchase agreement to acquire Credit Card Portfolio from Bluestem Brands, Inc. for approximately $300 million on October 27, 2025. As part of the transaction, Jefferson Capital will pay a gross purchase price of $302.8 million to acquire a revolving loan portfolio for which the ability to draw on the receivables has been suspended with face value of $488.2 million. At closing, the gross purchase price will be adjusted for interim portfolio cash flows (net of servicing expense and adjusted for new purchases) from a cut-off date of June 30, 2025 through the closing date. In connection with the portfolio purchase, Jefferson Capital will enter into an interim servicing agreement with Bluestem to facilitate the orderly transition of the portfolio servicing activities to CardWorks Servicing, LLC, a leading credit card servicer. The transaction will be funded with existing capacity under Jefferson Capital’s senior secured revolving credit facility. Jefferson Capital does not intend to pursue any on-going originations through the Bluestem platform, and the transaction does not include any of the retail operations or assets of Bluestem.
The Bluestem portfolio purchase is expected to close in the fourth quarter of 2025 subject to customary regulatory approvals.
Houlihan Lokey is serving as exclusive financial advisor and Reed Smith LLP is acting as acquisition counsel to Bluestem.
Jefferson Capital, Inc. (NasdaqGS:JCAP) completed the acquisition of Credit Card Portfolio from Bluestem Brands, Inc. for approximately $196.1 million on December 4, 2025. Upcoming Dividend • Nov 18
Upcoming dividend of US$0.24 per share Eligible shareholders must have bought the stock before 25 November 2025. Payment date: 04 December 2025. Payout ratio is a comfortable 8.6% and this is well supported by cash flows. Trailing yield: 4.4%. Lower than top quartile of American dividend payers (4.5%). Higher than average of industry peers (1.3%). Reported Earnings • Nov 16
Third quarter 2025 earnings: Revenues exceed analysts expectations while EPS lags behind Third quarter 2025 results: EPS: US$0.66. Net income: US$38.4m (up US$38.4m from 3Q 2024). Revenue exceeded analyst estimates by 2.1%. Earnings per share (EPS) missed analyst estimates by 9.7%. Revenue is forecast to grow 7.4% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Consumer Finance industry in the US. Annuncio • Nov 14
Jefferson Capital, Inc. Declares Quarterly Cash Dividend, Payable on December 4, 2025 The Board of Directors of Jefferson Capital, Inc. declared a quarterly cash dividend of $0.24 per share on its outstanding common stock, payable on December 4, 2025, to shareholders of record as of the close of business on November 25, 2025. Annuncio • Oct 31
Jefferson Capital, Inc. to Report Q3, 2025 Results on Nov 13, 2025 Jefferson Capital, Inc. announced that they will report Q3, 2025 results After-Market on Nov 13, 2025 Annuncio • Oct 29
Jefferson Capital, Inc. (NasdaqGS:JCAP) entered into a definitive asset purchase agreement to acquire Credit Card Portfolio from Bluestem Brands, Inc. for approximately $300 million. Jefferson Capital, Inc. (NasdaqGS:JCAP) entered into a definitive asset purchase agreement to acquire Credit Card Portfolio from Bluestem Brands, Inc. for approximately $300 million on October 27, 2025. As part of the transaction, Jefferson Capital will pay a gross purchase price of $302.8 million to acquire a revolving loan portfolio for which the ability to draw on the receivables has been suspended with face value of $488.2 million. At closing, the gross purchase price will be adjusted for interim portfolio cash flows (net of servicing expense and adjusted for new purchases) from a cut-off date of June 30, 2025 through the closing date. In connection with the portfolio purchase, Jefferson Capital will enter into an interim servicing agreement with Bluestem to facilitate the orderly transition of the portfolio servicing activities to CardWorks Servicing, LLC, a leading credit card servicer. The transaction will be funded with existing capacity under Jefferson Capital’s senior secured revolving credit facility. Jefferson Capital does not intend to pursue any on-going originations through the Bluestem platform, and the transaction does not include any of the retail operations or assets of Bluestem.
The Bluestem portfolio purchase is expected to close in the fourth quarter of 2025 subject to customary regulatory approvals.
Houlihan Lokey is serving as exclusive financial advisor and Reed Smith LLP is acting as acquisition counsel to Bluestem. Reported Earnings • Aug 20
Second quarter 2025 earnings: Revenues exceed analysts expectations while EPS lags behind Second quarter 2025 results: EPS: US$0.82. Net income: US$47.7m (up US$47.7m from 2Q 2024). Revenue exceeded analyst estimates by 5.1%. Earnings per share (EPS) missed analyst estimates by 4.4%. Revenue is forecast to grow 7.7% p.a. on average during the next 3 years, compared to a 15% growth forecast for the Consumer Finance industry in the US. Annuncio • Aug 15
Jefferson Capital, Inc. Declares Quarterly Cash Dividend, Payable on September 4, 2025 The Board of Directors of Jefferson Capital, Inc. declared a quarterly cash dividend of $0.24 per share on its outstanding common stock, payable on September 4, 2025, to shareholders of record as of the close of business on August 25, 2025. Annuncio • Aug 04
Jefferson Capital, Inc. to Report Q2, 2025 Results on Aug 14, 2025 Jefferson Capital, Inc. announced that they will report Q2, 2025 results After-Market on Aug 14, 2025 New Risk • Jul 21
New major risk - Revenue and earnings growth Earnings are forecast to decline by an average of 1.5% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risks Debt is not well covered by operating cash flow (15% operating cash flow to total debt). Shares are highly illiquid. Earnings are forecast to decline by an average of 1.5% per year for the foreseeable future. Minor Risk Significant insider selling over the past 3 months (US$6.4m sold). Board Change • Jun 26
No independent directors Following the recent departure of a director, there are no independent directors on the board. The company's board is composed of: No independent directors. 7 non-independent directors. President, CEO & Director David Burton was the last director to join the board, commencing their role in 2024. The company's lack of independent directors is a risk according to the Simply Wall St Risk Model. Annuncio • Jun 26
Jefferson Capital, Inc. has completed an IPO in the amount of $150 million. Jefferson Capital, Inc. has completed an IPO in the amount of $150 million.
Security Name: Common Stock
Security Type: Common Stock
Securities Offered: 10,000,000
Price\Range: $15
Discount Per Security: $1.05
Transaction Features: Reserved Share Offering; Sponsor Backed Offering 
