---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-26-027049"
form_type: "8-K"
ticker: "JCAP"
cik: "0002046042"
company_name: "Jefferson Capital, Inc. / DE"
filed_at: "2026-03-12T23:59:59+00:00"
generated_at: "2026-05-15T14:18:09.192444+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Record Q4 collections $245.3M, revenue $154.8M, EPS $0.58; dividend $0.24

## Summary
- Q4 collections rose 41% YoY to $245.3M; record deployments $380.5M (+6%).
- Q4 revenue up 30% to $154.8M; pre-tax income up 50% to $44.1M; net income $37.7M.
- Adjusted EPS $0.69; full-year collections $998.7M (+71%), revenue $613.3M (+42%).
- Quarterly dividend $0.24/share, payable April 2, 2026 to holders of record March 24.
- Post-quarter secondary offering of 10M shares at $20.50; co repurchased 3M shares concurrently.

## SEC filing metadata
- accession: 0001104659-26-027049
- form_type: 8-K
- ticker: JCAP
- cik: 0002046042
- company_name: Jefferson Capital, Inc. / DE
- filed_at: 2026-03-12T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/2046042/000110465926027049/0001104659-26-027049-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/2046042/000110465926027049/jcap-20260312x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-027049
- JSON: https://secwatch.observer/filing/0001104659-26-027049.json
- Plain text: https://secwatch.observer/filing/0001104659-26-027049.txt

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