JCAP at a glance
Jefferson Capital, Inc. / DE (JCAP, SEC CIK 2046042) filed its latest 10-K annual report on March 13, 2026, a 10-Q quarterly report on August 13, 2026, an 8-K current report on August 21, 2026 and Form 4 insider filings as recently as August 26, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), Jefferson Capital, Inc. / DE (JCAP) reported revenue of $613.3 million (up 41.5% from FY2024) and net income of $188.0 million. Diluted EPS was $5.64.
- As of June 30, 2026, 24 institutional investment managers tracked by SignalX reported holding Jefferson Capital, Inc. / DE (JCAP) shares worth $157.5 million in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Person Penelope JoAnn on August 25, 2026 of 246 shares at $22.04 per share.
- In the last 90 days, JCAP insiders reported 0 open-market purchases ($0) and 2 open-market sales ($1.3M) on Form 4, a net sale of $1.3M.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $613.3M
- +41.5% vs prior year
- Insiders · 90 days
- 0 buys · 2 sells
- Net −$1.3M
- 13F holders
- 24 funds
- $157.5M · +1 vs prior quarter
- Latest 8-K
- Aug 21, 2026
- Item 1.01
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Revenue $177.5M, up 16.2% YoY from $152.8M, driven by portfolio revenue growth
- Net operating margin 45.9% vs 56.7% YoY; net margin 23.3% vs 31.2%
- Best segment Latin America collections $18.0M, up 52.5%; worst credit card revenue $1.6M, down 11.1%
- Collections $300.9M, up 17.7%; receivable deployments $152.2M, up 21.5%
- Headwinds: servicing expenses up 49.0% to $64.8M, including court costs up 74.6% to $21.7M
Risk Factors
- No material changes to risk factors identified in the 2025 Form 10-K
- No newly added risk factor disclosed for the quarter
- IPO proceeds fully used as of the filing date, with no material change to expected use of proceeds
AI summary of the JCAP 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 1.01: Entry into a Material Definitive Agreement
- $100 million add-on senior notes issued at 8.250% interest, maturing May 15, 2030
- Semiannual interest payments beginning November 15, 2026, increasing fixed financing obligations
Item 8.01: Other Events
- Proposed $100 million add-on offering of 8.250% senior notes due 2030
- Existing $500 million notes under same indenture, increasing potential total notes to $600 million
Item EX-99.1: Item EX-99.1
- Proposed $100 million add-on senior notes due 2030, increasing total 2030 notes to $600 million if completed
- Notes carry the existing 8.250% coupon, implying added annual interest expense of $8.25 million
Item 2.02: Results of Operations and Financial Condition
- Q2 2026 results announced for quarter ended June 30, 2026
- Full financial results available in Exhibit 99.1 accompanying the Form 8-K
Item EX-99.1: Item EX-99.1
- Q2 collections rose 17.7% to $300.9M, while deployments increased 21.5% to $152.2M, expanding future receivables growth
- ERC reached $3.4B, up 17.9%, with $480.7M in committed forward flows supporting portfolio supply
AI summaries of JCAP 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for JCAP
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Person Penelope JoAnn | Sell | Aug 25, 2026 | 246 | $22.04 |
| Zellmann Mark Joseph | Sell | Aug 17, 2026 | 56,000 | $23.75 |
| Zellmann Mark Joseph | G | Aug 17, 2026 | 6,250 | - |
| Zellmann Mark Joseph | A | Mar 18, 2026 | 12,500 | $20.13 |
| Zellmann Mark Joseph | A | Mar 18, 2026 | 12,500 | $34.13 |
| OROS JOHN J | A | Mar 11, 2026 | 25,000 | $34.78 |
| OROS JOHN J | A | Mar 11, 2026 | 25,000 | $20.78 |
| Burton David M. | Sell | Jan 9, 2026 | 385,000 | $20.50 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|
| Profitability | ||||
| Revenue | $323.1M | $433.3M | $613.3M | |
| Operating Income | $164.1M | $220.3M | $316.5M | |
| Net Income | $111.5M | $128.9M | $188.0M | |
| Op. Margin | 50.8% | 50.8% | 51.6% | |
| Net Margin | 34.5% | 29.7% | 30.6% | |
| Balance Sheet | ||||
| Total Assets | - | $1.7B | $2.1B | |
| Equity | $303.6M | $382.5M | $476.1M | |
| ROE | 36.7% | 33.7% | 39.5% | |
| Per Share | ||||
| EPS | - | - | $5.64 | |
| Cash Flow | ||||
| Operating CF | $120.2M | $168.2M | $268.8M | |
Source: XBRL data in Jefferson Capital, Inc. / DE (JCAP)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate JCAP share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 24 | $157.5M |
| Q1 2026 | 23 | $155.5M |
| Q4 2025 | 18 | $84.0M |
| Q3 2025 | 19 | $72.6M |
| Q2 2025 | 13 | $50.6M |
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Source: 13F-HR filings on SEC EDGAR (aggregated from 97 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
JCAP filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Aug 26, 2026 | - | - | - |
| 8-K | Aug 21, 2026 | - | Analysis | - |
| 4 | Aug 19, 2026 | - | - | - |
| 8-K | Aug 18, 2026 | - | Analysis | - |
| 10-Q | Aug 13, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Aug 13, 2026 | - | Analysis | - |
| 8-K | Jun 8, 2026 | - | Analysis | |
| SC 13G | May 15, 2026 | - | - | |
| 10-Q | May 14, 2026 | Mar 31, 2026 | Analysis | |
| 8-K | May 14, 2026 | - | Analysis | |
| 8-K | Apr 23, 2026 | - | Analysis | - |
| 8-K | Mar 18, 2026 | - | Analysis | - |
| 4 | Mar 18, 2026 | - | - | - |
| 8-K | Mar 17, 2026 | - | Analysis | - |
| 4 | Mar 13, 2026 | - | - | - |
| 10-K | Mar 13, 2026 | Dec 31, 2025 | - | |
| 8-K | Mar 12, 2026 | - | Analysis | - |
| SC 13G | Jan 16, 2026 | - | - | |
| 4 | Jan 14, 2026 | - | - | |
| 4 | Jan 13, 2026 | - | - | |
| 8-K | Dec 5, 2025 | - | - | |
| 10-Q | Nov 14, 2025 | Sep 30, 2025 | Analysis | |
| 10-Q | Aug 14, 2025 | Jun 30, 2025 | - | |
| SC 13G | Aug 12, 2025 | - | - |
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JCAP SEC filings: frequently asked questions
Are JCAP insiders buying or selling?
In the last 90 days, Jefferson Capital, Inc. / DE (JCAP) officers, directors and 10% owners reported no open-market purchases and 2 open-market sales worth $1.3 million by 2 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold JCAP stock?
As of June 30, 2026, the largest Jefferson Capital, Inc. / DE (JCAP) holders among the 13F filers tracked by SignalX were Principal Financial Group ($33.3 million), BlackRock ($33.1 million), Goldman Sachs Group ($18.7 million), Vanguard Capital Management LLC ($14.6 million), Citadel Advisors LLC ($12.2 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was JCAP's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), Jefferson Capital, Inc. / DE (JCAP) reported revenue of $613.3 million (up 41.5% from FY2024) and net income of $188.0 million. Diluted EPS was $5.64. The figures come from the XBRL data in the 10-K.
What did JCAP report in its latest 8-K?
Jefferson Capital, Inc. / DE (JCAP) filed an 8-K on August 21, 2026 reporting Item 1.01 (Entry into a Material Definitive Agreement). $100 million add-on senior notes issued at 8.250% interest, maturing May 15, 2030.
What are the latest JCAP SEC filings?
Jefferson Capital, Inc. / DE (JCAP) filed its latest 10-K annual report on March 13, 2026, a 10-Q quarterly report on August 13, 2026, an 8-K current report on August 21, 2026 and a Form 4 insider filing on August 26, 2026.
What is JCAP's SEC CIK number?
Jefferson Capital, Inc. / DE (JCAP)'s SEC Central Index Key (CIK) is 2046042. EDGAR lists every JCAP filing under that number.
Ask anything about JCAP
The research agent reads JCAP's filings, financials, insider trades and 13F holders, then answers with sources.