Business
Jefferson Capital Reports Fourth Quarter and Full Year 2025 Results
Record Quarterly Collections Grow 41% to $245.3 Million and Record Deployments Grow 6% to $380.5 MillionFourth Quarter Pre-tax Income up 50% to $44.1 Million
About this update from Jefferson Capital, Inc.
[{"type":"text","content":"Record Quarterly Collections Grow 41% to $245.3 Million and Record Deployments Grow 6% to $380.5 MillionFourth Quarter Pre-tax Income up 50% to $44.1 Million with Net Income of $37.7 Million and EPS of $0.58Fourth Quarter Adjusted Pre-tax Income up 15% to $51.1 Million with Adjusted Net Income of $44.7 Million and Adjusted EPS of $0.69Board of Directors Declares Quarterly Cash Dividend of $0.24 per Share MINNEAPOLIS, March 12, 2026 (GLOBE NEWSWIRE) -- Jefferson Capital, Inc. (“Jefferson Capital”), a leading analytically driven purchaser and manager of charged-off, insolvency and active consumer accounts, today announced its fourth quarter and full year 2025 financial results. “We finished the year with record collections, deployments and estimated remaining collections, or ERC - exceptional performance across all key operating aspects of the business,” said David Burton, Chairman and Chief Executive Officer. “We feel confident in our momentum going into 2026 as we continue to focus on driving profitable growth and maximizing shareholder value.” “The Bluestem portfolio purchase closed on December 4th, and we believe the transaction solidifies our leadership position as a strategic acquirer of a wide spectrum of dislocated consumer credit assets. We are pleased with portfolio performance to date and expect Bluestem to be a meaningful contributor to our financial results in 2026.” “Following quarter end, we executed a follow-on equity offering, which reduced the ownership of J.C. Flowers to 53% and substantially increased our float and liquidity. The company repurchased $58.9 million of stock to support that transaction.” Fourth Quarter 2025 Highlights (vs. Fourth Quarter 2024) Record collections grew 41% to $245.3 millionRecord deployments up 6% to $380.5 millionRecord ERC rose 23% reaching $3.4 billionRecord revenue up 30% to $154.8 millionSector-leading Cash Efficiency Ratio of 71.0%Leverage ratio* improved to 1.82x as compared to 2.72xPre-tax Income up 50% to $44.1 million with Net Income of $37.7 million and EPS of $0.58Adjusted Pre-tax Income* increased 15% to $51.1 millionAdjusted Net Income* of $44.7 million, and Adjusted EPS of $0.69 Full Year 2025 Highlights (vs. Full Year 2024) Collections grew 71% to $998.7 millionDeployments up 15% to $832.1 millionStrong revenue growth of 42% to $613.3 millionSector-leading Cash Effic...