Short answer
Jefferson Capital, Inc. / DE (JCAP) filed its Q3 2025 10-Q quarterly report on Nov 14, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $151M with net income of $38M.
Q3 2025 key financials · XBRL
- Revenue
- $151M
- −51.0% QoQ
- Net income
- $38M
- −65.7% QoQ
- Operating margin
- 46.4%
- EPS (diluted)
- −$71.66
- −191.6% QoQ
Source: XBRL data from the Jefferson Capital, Inc. / DE (JCAP) Q3 2025 10-Q on SEC EDGAR. USD.
Jefferson Capital, Inc. / DE Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Revenue $150.8M, up 36.4% YoY from $110.6M, driven by portfolio revenue growth
- Net income $38.4M vs $36.9M; net margin 25.4% vs 33.3% YoY
- U.S. collections $182.9M, up 83.6%, best segment; Latin America deployments $8.9M, down 29.9%, weakest
- Portfolio purchases $151.0M, up 22.3% from $123.4M; average purchase price 5.3% vs 7.3%
- Headwinds: operating expenses $80.2M, up 59.5%, including $8.8M stock compensation and $14.9M court costs
Risk Factors
- Newly triggered Conn’s Portfolio risk: 197 former Conn’s FTE hired, with 100 remaining as of September 30, 2025
- Conn’s portfolio underperformance risk: acquired receivables may require impairment charges or exceed forecast collection expenses
- Regulatory compliance exposure: collection-law violations could trigger fines, litigation, reputational damage, or license suspension
- Portfolio supply concentration: purchases concentrated among a few large sellers, making volume reductions difficult to replace
- International currency risk: exchange-rate fluctuations and foreign-exchange controls could restrict cash repatriation
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
Other Jefferson Capital, Inc. / DE quarterly reports
Ask about this quarter
Compare quarters, check guidance or see what insiders and funds did around the report.