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Get filing alertsJefferson Capital reports 18% collections growth, 16% revenue increase in Q2 2026
Filed August 13, 2026 · Period ending August 13, 2026 · ~1 min read
Key Changes
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Collections grew 18% to $300.9M and revenue rose 16% to a record $177.5M; adjusted EPS of $0.77 vs. GAAP EPS of $0.67; deployments up 21% to $152.2M with ERC reaching $3.4B.
Exhibit 99.1 view on EDGAR → -
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Bluestem portfolio acquired in Q4 2025 contributed $41.0M in collections, $11.0M in portfolio revenue, and $7.1M in net operating income during the quarter.
Exhibit 99.1 view on EDGAR → -
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Board declared quarterly dividend of $0.24 per share, payable September 3, 2026 to shareholders of record August 24, 2026.
Exhibit 99.1 view on EDGAR → -
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Deposited $300M with bond trustee on August 13, 2026 to repay 2026 notes, with repayment expected August 17, 2026; leverage ratio improved to 1.71x from 1.76x.
Exhibit 99.1 view on EDGAR → -
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Upsized revolving credit facility to $1.15B aggregate commitments on April 22, 2026; $226M drawn as of June 30, 2026.
Exhibit 99.1 view on EDGAR →
Summary
Jefferson Capital reported strong second quarter 2026 results, with collections from purchased receivables growing 18% year-over-year to $300.9 million and total revenue increasing 16% to a record $177.5 million. The company generated adjusted EPS of $0.77 and GAAP EPS of $0.67, while deploying $152.2 million to acquire new receivable portfolios—a 21% increase from the prior year. The Bluestem portfolio acquisition from Q4 2025 contributed meaningfully, adding $41 million in collections and $7.1 million in net operating income during the quarter.
The company strengthened its balance sheet by depositing $300 million to retire its 2026 notes (expected repayment August 17) and improved its leverage ratio to 1.71x from 1.76x a year earlier. The Board declared a $0.24 quarterly dividend, continuing regular shareholder returns. With a sector-leading cash efficiency ratio of 72.2%, growing estimated remaining collections of $3.4 billion, and expanded credit capacity of $1.15 billion, Jefferson Capital demonstrated both operational momentum and financial flexibility in the quarter.
Section-by-Section Diff
Event · Item 2.02 — Results of Operations and Financial Condition
Jefferson Capital announced Q2 2026 financial results via press release.
Added in current filing · verify on EDGAR →
On August 13, 2026, Jefferson Capital, Inc. (the “Company”) announced its financial results for the quarter ended June 30, 2026.
The company disclosed financial results for the quarter ended June 30, 2026. The 8-K references a press release (Exhibit 99.1) containing the full results, but the filing body itself does not provide specific financial figures such as revenue, earnings per share, or guidance.
Event · Exhibit 99.1
Jefferson Capital reported Q2 2026 results with 18% collections growth, 21% deployment increase, and declared a $0.24 quarterly dividend.
Added in current filing · view on EDGAR →
Collections grew 18% to $300.9 million | ● Deployments up 21% to $152.2 million | ● ERC rose 18% to $3.4 billion
● Strong revenue growth of 16% to a record $177.5 million
● Sector-leading Cash Efficiency Ratio of 72.2%
● Leverage ratio* improved to 1.71x as compared to 1.76x
● Pre-tax Income of $53.3 million with Net Income of $41.3 million and EPS of $0.67
● Adjusted Pre-tax Income* of $59.3 million with Adjusted Net Income* of $47.3 million and Adjusted EPS of $0.77
Jefferson Capital reported strong second quarter 2026 results. Collections from purchased receivables increased 17.7% to $300.9 million versus $255.7 million in Q2 2025. Total revenues grew 16.2% to $177.5 million. The company reported pre-tax income of $53.3 million, net income of $41.3 million, and diluted EPS of $0.67. On an adjusted basis, pre-tax income was $59.3 million, net income was $47.3 million, and EPS was $0.77. The company deployed $152.2 million to acquire receivable portfolios, up 21.5% year-over-year, and estimated remaining collections (ERC) increased 18% to $3.4 billion.
Added in current filing · view on EDGAR →
On April 22, 2026 Jefferson Capital completed an upsize of its Revolving Credit Facility (“RCF”) increasing aggregate commitments to $1.15 billion.
Jefferson Capital increased its revolving credit facility commitments to $1.15 billion on April 22, 2026. As of June 30, 2026, the company had $226 million drawn under the facility. The leverage ratio improved to 1.71x at June 30, 2026 compared to 1.76x a year earlier.
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Figures/quotes linked to EDGAR · Narrative written by AI · Aug 14, 2026 · How we verify