Core Viewpoint - Jefferson Capital, Inc. has announced a public offering of 10,000,000 shares of common stock at a price of $20.50 per share, with an additional option for underwriters to purchase up to 1,500,000 shares [1] Group 1: Offering Details - The public offering is priced at $20.50 per share, with selling stockholders receiving all net proceeds [1] - Jefferson Capital will concurrently purchase 3,000,000 shares from the underwriters at the same price as the public offering [1] - The offering and share repurchase are expected to close on January 9, 2026, subject to customary closing conditions [1] Group 2: Underwriters - Jefferies and Keefe, Bruyette & Woods are acting as joint-lead book-running managers for the offering [2] - A number of other financial institutions are participating as book-running managers for the offering [2] Group 3: Company Background - Jefferson Capital, founded in 2002, specializes in purchasing and managing charged-off, insolvency, and active consumer accounts [5] - The company operates in the United States, Canada, the United Kingdom, and Latin America, servicing both secured and unsecured assets [5] - Its client base includes Fortune 500 creditors, banks, fintech platforms, telecommunications providers, credit card issuers, and auto finance companies [5]

U.S. stock futures were mixed this morning, with the Dow futures falling 0.2% on Tuesday.Shares of Jefferson Capital Inc (NASDAQ:JCAP) fell sharply in pre-market trading after the company lower after the company announced a secondary offering of 10 million shares.Jefferson Capital shares dipped 4.4% to $22.00 in pre-market trading.Here are some other stocks moving lower in pre-market trading.MOBIX LABS, INC. (NASDAQ:MOBX) fell 25.4% to $0.24 in pre-market trading as the company announced plans to launch a c ...

MINNEAPOLIS, Jan. 05, 2026 (GLOBE NEWSWIRE) -- Jefferson Capital, Inc. (Nasdaq: JCAP) (“Jefferson Capital”), a leading analytically driven purchaser and manager of charged-off, insolvency and active consumer accounts, today announced that certain of its existing stockholders intend to offer for sale in an underwritten secondary offering 10,000,000 shares of Jefferson Capital’s common stock. In addition, the underwriters of the offering will have a 30-day option to purchase from the selling stockholders up t ...

Table of Contents As filed with the U.S. Securities and Exchange Commission on January 5, 2026. Registration No. 333- UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 Jefferson Capital, Inc. (Exact name of registrant as specified in its charter) Delaware 6153 33-1923926 (State or other jurisdiction of (Primary Standard Industrial (I.R.S. Employer incorporation or organization) Classification Code Number) Identification N ...

MINNEAPOLIS, Dec. 04, 2025 (GLOBE NEWSWIRE) -- Jefferson Capital, Inc. (NASDAQ: JCAP) (“Jefferson Capital”), a leading analytically driven purchaser and manager of charged-off, insolvency and active consumer accounts, today completed the previously announced portfolio acquisition of credit card assets from affiliates of Bluestem Brands. The net purchase price for the portfolio was $196.7 million and the estimated remaining collections associated with the portfolio are $311.4 million. About Jefferson Capital ...

Group 1: Semtech Corp Financial Results - Semtech reported third-quarter revenue of $267 million, missing analyst estimates of $268.83 million [1] - The company reported third-quarter adjusted earnings of 48 cents per share, beating estimates of 45 cents per share [1] Group 2: Stock Performance - Semtech shares dipped 7.2% to $65.00 in pre-market trading [2] - Other stocks also experienced declines in pre-market trading, including Arcus Biosciences Inc, which fell 6.7% to $21.63, and Nanobiotix SA, which fell 6.2% to $20.64 [4]

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-42718 Jefferson Capital, Inc. (Exact name of registrant as specified in its charter) DELAWARE 33-1923926 (IRS Employe ...

Core Insights - Jefferson Capital, Inc. (JCAP) reported revenue of $150.84 million for the quarter ended September 2025, showing no year-over-year change, with an EPS of $0.74 compared to $0 a year ago [1] - The reported revenue exceeded the Zacks Consensus Estimate of $147.29 million by 2.41%, and the EPS surpassed the consensus estimate of $0.64 by 15.63% [1] Financial Performance Metrics - Total collections for the quarter were $236.8 million, slightly below the average estimate of $242.47 million from two analysts [4] - Servicing revenue was reported at $9.41 million, compared to the average estimate of $10.5 million from two analysts [4] - Total portfolio revenue reached $139.67 million, exceeding the estimated $135.09 million from two analysts [4] Stock Performance - Shares of Jefferson Capital, Inc. have returned +11.5% over the past month, outperforming the Zacks S&P 500 composite's +4.6% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]

Financial Performance Highlights - Collections for Q3 2025 were $237 million, up 63% year over year, driven by strong deployment growth [3][9] - Revenue for the quarter was $151 million, reflecting a 36% increase compared to the prior year [3][18] - Adjusted EPS for the quarter was $0.74, with a cash efficiency ratio of 72.2% [4][13] - LTM-adjusted cash EBITDA reached $727 million, improving leverage to 1.59 times [4][20] Business Line Performance - The Conn's portfolio purchase contributed $50 million to collections for the quarter [9] - Portfolio purchases for the quarter totaled $151 million, up 22% year over year [10] - Estimated remaining collections (ERC) as of September 30 were $2.9 billion, up 27% year over year [10] Market Trends - Elevated delinquency trends across non-mortgage consumer asset classes are creating favorable portfolio supply trends [5][8] - Personal savings levels have decreased to $1.1 trillion, lower than pre-pandemic averages, indicating limited consumer ability to absorb financial hardships [6] - An increase in insolvencies in both the U.S. and Canada has fueled a resurgence in supply of insolvency portfolios [7][8] Company Strategy and Industry Competition - The company is focused on acquiring dislocated consumer credit assets, with the Blue Stem portfolio purchase expected to close in Q4 2025 [4][14] - The company aims to maintain a competitive advantage through proprietary data and advanced analytical capabilities [12][63] - The company is well-positioned to capitalize on market opportunities due to its specialized expertise in hard-to-value asset classes [17][63] Management Commentary on Operating Environment and Future Outlook - Management remains bullish on investment opportunities, citing elevated consumer delinquencies and charge-offs as drivers for robust portfolio supply [8][10] - The company expects to continue strong collection performance on existing and future portfolio purchases [10][20] - Management highlighted the importance of maintaining a strong liquidity profile to support growth and strategic options [22] Other Important Information - The board declared a quarterly dividend of $0.24 per share, representing a 5% annualized yield [23] - The company completed an amendment of its senior secured revolving credit facility, increasing capital commitments to $1 billion [4][21] Q&A Session Summary Question: Any details on the seasonality of collections across diversified channels? - Management noted that U.S. collections peak during tax season from February to April, while the fourth quarter typically sees the largest deployments across all geographies [25][28] Question: How should court costs be viewed in the coming quarters? - Management indicated that court costs of $15 million for the quarter may remain elevated, with a run rate expected to be similar for 2026 [29] Question: Any noteworthy trends in the portfolio purchases? - Management highlighted a continuing growth in insolvencies, with elevated opportunities across all asset classes [36] Question: What is the expected cash flow contribution from Blue Stem? - Management confirmed that Blue Stem's cash flows would have a similar rapid pace of collections as Conn's [41] Question: Are there opportunities in the auto sector due to increased delinquencies? - Management acknowledged increased activity in the auto sector, particularly in the non-prime segment [43] Question: What is the outlook for leverage and capital allocation? - Management indicated that leverage could decrease further, with potential changes to dividends or share repurchases being considered [66][68]

Third Quarter 2025 Financial Results November 13, 2025 © 2020 Jefferson Capital Systems, LLC © 2025 Jefferson Capital, Inc. Disclaimer Forward Looking Statements Disclaimer This presentation of Jefferson Capital, Inc. (together with its direct and indirect subsidiaries, "we", "us", "or", "JCAP", "Jefferson Capital", or the "Company") contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. All statements contained in this presentation that do not relate ...