Jefferson Capital Inc
NASDAQ:JCAP
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Jefferson Capital Inc
Jefferson Capital Inc is a US-based company operating in Consumer Finance industry. The company is headquartered in Minneapolis, Minnesota. The company went IPO on 2025-06-26. Jefferson Capital, Inc. is an analytically driven purchaser and manager of charged-off and insolvency consumer accounts with operations primarily in the United States, Canada, the United Kingdom and Latin America. The accounts it purchases are primarily the unpaid obligations of individuals owed to credit grantors, which include banks, non-bank consumer lenders, auto finance companies, utilities and telecom companies. The firm purchases nonperforming consumer loans and receivables at a discount to their face value across a broad range of financial assets, including where the account holder has initiated a bankruptcy proceeding, or an equivalent proceeding in Canada or the United Kingdom. The company enables its clients to focus their operations on the origination of new loans to new customers and to better serve their active customers, while also enabling consumers to resolve their existing obligations based on their current financial circumstances.
Jefferson Capital Inc is a US-based company operating in Consumer Finance industry. The company is headquartered in Minneapolis, Minnesota. The company went IPO on 2025-06-26. Jefferson Capital, Inc. is an analytically driven purchaser and manager of charged-off and insolvency consumer accounts with operations primarily in the United States, Canada, the United Kingdom and Latin America. The accounts it purchases are primarily the unpaid obligations of individuals owed to credit grantors, which include banks, non-bank consumer lenders, auto finance companies, utilities and telecom companies. The firm purchases nonperforming consumer loans and receivables at a discount to their face value across a broad range of financial assets, including where the account holder has initiated a bankruptcy proceeding, or an equivalent proceeding in Canada or the United Kingdom. The company enables its clients to focus their operations on the origination of new loans to new customers and to better serve their active customers, while also enabling consumers to resolve their existing obligations based on their current financial circumstances.
Collections: Record Q4 collections of $245 million, up 41% YoY, driven by strong deployments and portfolio performance (Conn's and Bluestem contributed $36M and $14M, respectively).
Deployments: Record Q4 deployments of $381 million, up 6% YoY, with $274 million locked via forward flows and $225 million contracted for the next 12 months.
Revenue & Profitability: Q4 revenue was $155 million (up 30% YoY); adjusted EPS was $0.69; adjusted pretax income $51 million and adjusted cash EBITDA $178 million.
Portfolio Value: Estimated remaining collections (ERC) reached $3.4 billion, up 23% YoY, with $1.1 billion expected to be collected in the next 12 months.
Operating Efficiency: Cash efficiency ratio was 71% in Q4 (68% excluding Conn's and Bluestem); company emphasizes variable cost structure and champion-challenger servicer model.
Capital & Liquidity: Net debt / adjusted cash EBITDA improved to 1.9x; revolver committed capital increased to $1.0 billion (facility drawn $232 million); repurchased 3 million shares for $59 million; quarterly dividend $0.24/share.
Outlook & Market View: Management sees elevated delinquency and insolvency supply as a durable opportunity, expects Bluestem to meaningfully contribute in 2026, and gives a 2026 tax provision estimate of ~24.5%.
