Fourth Quarter and Full Year 2025 Financial Results March 12, 2026 © 2020 Jefferson Capital Systems, LLC © 2026 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 d ...