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+2.12%
Close of 9 Nov 2026, in USD
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About Jefferson Capital
From its filings with the US Securities and Exchange Commission
Jefferson Capital is based in Minneapolis, Minnesota and is incorporated in Delaware. Its shares trade on Nasdaq under the ticker JCAP. The SEC classifies its business as short-term business credit institutions. In the fiscal year to 31 December 2025, it reported revenue of $613.3m and net income of $188.0m. At that date it held total assets of $2.09bn and shareholders' equity of $476.1m.
The accompanying combined and consolidated financial statements include the combined and consolidated results of operations of Jefferson Capital, Inc., and its subsidiaries (the “Company”). Jefferson Capital, Inc. is a Delaware corporation headquartered in Minneapolis, Minnesota.
The Company and its subsidiaries in the U.S., Canada, the U.K and Latin America, provide debt recovery solutions and other related services across a broad range of consumer receivables, including credit card, secured and unsecured automotive, utilities, telecom, and other receivables. The Company primarily purchases portfolios of consumer receivables at deep discounts to face value and manages them by working with individuals as they repay their obligations and work toward financial recovery. Previously charged-off receivables include receivables subject to bankruptcy proceedings. The Company also provides debt servicing and other portfolio management services to credit originators for non-performing loans. Through credit card acquisition programs, the Company earns credit card revenue. All deployments are purchased from independent third parties.
Quoted from its 10-K, filed 13 Mar 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Consumer Finance
- Listed since
- 26 Jun 2025
- Employees
- 1,120
- Website
- jcap.com ↗
- Head office
- 600 SOUTH HIGHWAY 169, SUITE 1575, MINNEAPOLIS, MN, 55426
- Incorporated in
- DE
- Classification
- Short-Term Business Credit Institutions
- Filer status
- <br>Emerging growth company
Leadership
Pay as last reported
- Mr. David BurtonPresident, Chief Executive Officer, Founder, Director, since 2002$1.7m
- Mr. Christo RealovChief Financial Officer, Treasurer
- Mr. Mark ZellmannPresident of U.S. Business Lines$605,471
- Mr. Matthew PfohlChief Administrative Officer, General Counsel, Secretary
- Ms. Penelope PersonChief Commercial Officer$436,160
- Mr. Christopher GilesDirector$30,000
- Mr. Thomas HardingDirector
- Ms. Beth LeonardDirector$7,500
- Mr. Thomas LydonDirector
- Mr. John OrosDirector$30,000
- Mr. Ronald VaskeDirector$30,000
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 0
- Environment
- 0
- Social
- 0
- Governance
- 0
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Headquartered in Minneapolis, Minnesota with 1120 employees.
- Purchases charge-off and insolvency consumer accounts at a discount.
- Enables clients to focus on new loan origination and active customer service.
Weaknesses
- IPO scheduled for 2025-06-26, indicating a relatively new public company.
- Relies on purchasing nonperforming consumer loans and receivables.
- Operates in a niche market focused on charge-off accounts.
Opportunities
- Expanding market for managing charge-off and insolvency accounts.
- Potential growth in nonperforming loan portfolios across financial sectors.
- Opportunity to serve clients in bankruptcy proceedings in multiple countries.
Threats
- Regulatory changes affecting nonperforming loan management.
- Competition from other firms in the charge-off account management sector.
- Economic downturns reducing the number of charge-off accounts available.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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