---
schema_version: "secwatch.filing_event.v1"
accession: "0001104659-26-095891"
form_type: "8-K"
ticker: "JCAP"
cik: "0002046042"
company_name: "Jefferson Capital, Inc. / DE"
filed_at: "2026-08-13T20:05:12+00:00"
generated_at: "2026-08-13T20:07:21.471398+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Jefferson Capital Q2 2026 revenue up 16% to $177.5M; EPS $0.67, adjusted $0.77

## Summary
- Record revenue of $177.5M, up 16.2% YoY; net income $41.3M and EPS $0.67.
- Adjusted pre-tax income $59.3M, adjusted net income $47.3M, adjusted EPS $0.77.
- Collections grew 17.7% to $300.9M; deployments up 21.5% to $152.2M; ERC up 17.9% to $3.4B.
- Leverage ratio improved to 1.71x from 1.76x; RCF upsize to $1.15B completed April 22, 2026.
- Quarterly dividend declared at $0.24/share, payable Sept 3, 2026 to record holders Aug 24, 2026.

## SEC filing metadata
- accession: 0001104659-26-095891
- form_type: 8-K
- ticker: JCAP
- cik: 0002046042
- company_name: Jefferson Capital, Inc. / DE
- filed_at: 2026-08-13T20:05:12+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/2046042/000110465926095891/0001104659-26-095891-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/2046042/000110465926095891/jcap-20260813x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001104659-26-095891
- JSON: https://secwatch.observer/filing/0001104659-26-095891.json
- Plain text: https://secwatch.observer/filing/0001104659-26-095891.txt

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