---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-25-111288"
form_type: "8-K"
ticker: "JCAP"
cik: "0002046042"
company_name: "Jefferson Capital, Inc. / DE"
filed_at: "2025-11-13T23:59:59+00:00"
generated_at: "2026-05-16T20:40:54.044944+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Jefferson Capital Q3 collections +63%, deployments +22%; EPS $0.59; declares $0.24 dividend; acquires $302.8M portfolio

## Summary
- Collections up 63% to $236.8M; deployments up 22% to $151.0M (largest Q3 ever).
- Pre-tax income up 16% to $45.5M; adjusted pre-tax income up 30% to $54.8M; GAAP EPS $0.59, adjusted EPS $0.74.
- Board declares quarterly dividend of $0.24/share, payable Dec 4 to holders of record Nov 25.
- Signed asset purchase agreement to acquire Bluestem Brands credit card portfolio for $302.8M; expected close Q4 2025.
- Revolving credit facility upsized to $1B, maturity extended to Oct 2030, pricing reduced by 50 bps.

## SEC filing metadata
- accession: 0001104659-25-111288
- form_type: 8-K
- ticker: JCAP
- cik: 0002046042
- company_name: Jefferson Capital, Inc. / DE
- filed_at: 2025-11-13T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/2046042/000110465925111288/0001104659-25-111288-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/2046042/000110465925111288/jcap-20251113x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-25-111288
- JSON: https://secwatch.observer/filing/0001104659-25-111288.json
- Plain text: https://secwatch.observer/filing/0001104659-25-111288.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.