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Midas Edge

Jefferson Capital, Inc. / DE

For the period ended Mar 31, 2026. Filed May 14, 2026.

View on SEC.gov

About this filing

A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.

Mar 31, 2026 · Filed May 14, 2026

JCAP$19.83-4.8%Stored close · as of Nov 6, 2026
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Contents

13. Segment Reporting

The Company’s operating segments are based on the Company’s geographies, which is how management monitors and assesses performance. The Company’s geographies are the United States, the United Kingdom, Canada, and Latin America. The Company’s Chief Operating Decision Maker (“CODM”) is the Chief Executive Officer. Assets are not reported by operating segment to the CODM.

For the Company’s operating segments, the CODM uses segment net operating income to allocate resources (including employees, property, and financial or capital resources). Additionally, the Company prepares an annual budget at the segment level. The CODM considers budget-to-actual variances on a monthly basis for the profit or loss measure when making decisions about allocating capital and personnel to the segments. The CODM also uses segment operating income to assess the performance for each segment by comparing the results of each segment with one another and for determining the compensation of certain employees.

The following table provides segment measure of profit and loss, presenting Net operating income, by each operating segment (in thousands) and is the measure that the CODM utilizes to determine resource and investment allocations:

​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​
​ · ​ ​ ​ · For the Three Months Ended March 31, · ​ ​ ​ · For the Three Months Ended March 31,
​ · ​ · 2026 · ​ · 2025
​ · ​ ​ ​ · United · ​ ​ ​ · United · ​ ​ ​ · ​ · ​ · ​ ​ ​ · Latin · ​ ​ ​ · ​ · ​ · ​ ​ ​ · United · ​ ​ ​ · United · ​ ​ ​ · ​ · ​ · ​ ​ ​ · Latin · ​ ​ ​ · ​ · ​
​ · ​ · States · ​ · Kingdom · ​ · Canada · ​ · America · ​ · Total · ​ · States · ​ · Kingdom · ​ · Canada · ​ · America · ​ · Total
Total portfolio revenue​$127,210​$9,354​$16,136​$11,963​$164,663​$111,747​$4,485​$16,110​$9,972​$142,314
Credit card revenue​723​—​1,012​—​1,735​664​—​1,234​—​1,898
Servicing revenue​1,782​7,774​485​—​10,041​4,538​5,866​327​—​10,731
Total Revenue​$129,715​$17,128​$17,633​$11,963​$176,439​$116,949​$10,351​$17,671​$9,972​$154,943
​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​
Provision for credit losses​$457​$—​$167​$—​​​$332​$—​$210​$—​​
​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​
Salaries and benefits​$16,327​$4,373​$1,341​$332​​​$8,917​$3,680​$1,312​$113​​
Servicing expenses​54,571​4,702​2,343​3,963​​​33,451​3,977​2,332​3,031​​
Depreciation and amortization​594​81​189​9​​​1,259​83​257​9​​
Professional fees​1,713​204​73​291​​​1,632​224​91​218​​
Other selling, general and administrative​3,266​722​341​196​​​3,559​592​328​70​​
​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​
Net operating income​$52,788​$7,046​$13,179​$7,172​$80,185​$67,799​$1,795​$13,141​$6,531​$89,266
​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​
Other Income / (Expense):​​​​​​​​​​​​​​​​​​​​
Interest expense​​​​​​​​​​$(30,578)​​​​​​​​​​$(24,819)
Foreign exchange and other income / (expense)​​​​​​​​​1,449​​​​​​​​​2,459
Total other expense​​​​​​​​​(29,129)​​​​​​​​​(22,360)
Income Before Income Taxes​​​​​​​​​​​​​$51,056​​​​​​​​​​​​​$66,906
ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.