Jefferson Capital, Inc. / de JCAP

What this company does

Jefferson Capital, Inc., together with its subsidiaries in the United States, Canada, the United Kingdom and Latin America, provides debt recovery solutions and other related services across a broad range of consumer receivables, including credit card, secured and unsecured automotive, utilities, telecom, and other receivables. It primarily purchases portfolios of consumer receivables at deep discounts to face value and manages them by working with individuals as they repay their obligations and work toward financial recovery. It also provides debt servicing and other portfolio management services to credit originators for non-performing loans. Its top five clients accounted for 45.2% and 55.3%, with the top client representing 23.6% and 32.8% of purchases for the years ended December 31, 2025 and 2024, respectively. It collects on those receivables through two primary channels, legal and voluntary. As of December 31, 2025, it had 1,120 FTE in nine offices, located in Minneapolis, Minnesota; Sartell, Minnesota; Denver, Colorado; Basingstoke, United Kingdom; Paisley, United Kingdom; London, United Kingdom; London, Ontario; Toronto, Ontario; and Bogota, Colombia. It has developed a data set since its founding in 2002.

Written from the business description in Jefferson Capital, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 13 March 2026. Every sentence was checked against that document before publication.