8-K current report · filed Aug 13, 2026

Jefferson Capital, Inc. / DE (JCAP) 8-K Current Report: August 13, 2026

Item 2.02Item EX-99.1JCAP overview

Short answer

Jefferson Capital, Inc. / DE (JCAP) filed an 8-K current report with the SEC on August 13, 2026 reporting Item 2.02 (Results of Operations and Financial Condition), Item EX-99.1 (Exhibit EX-99.1). Q2 2026 results announced for quarter ended June 30, 2026.

Jefferson Capital, Inc. / DE 8-K event analysis

AI summary of each reported item and its exhibits

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 · Exhibit 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
  • Revenue increased 16.2% to $177.5M, but operating expenses surged 45.6% to $95.4M, pressuring GAAP net income to $41.3M
  • Adjusted net income held nearly flat at $47.3M, while cash efficiency declined to 72.2% from 75.9%
  • Leverage improved to 1.71x; $300M deposited for repayment of 2026 notes, alongside a $0.24 quarterly dividend

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