As filed with the U.S. Securities and Exchange Commission on June 23, 2025. Registration No. 333-287488 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 AMENDMENT NO. 3 TO FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 Jefferson Capital, Inc. (Exact name of registrant as specified in its charter) 6153 (Primary Standard Industrial Classification Code Number) 33-1923926 (I.R.S. Employer Identification Number) 600 South Highway 169, Suite 1575 Minneapolis, Minnesota 554 ...