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Midas Edge

Jefferson Capital, Inc. / DE

For the period ended Jun 30, 2026. Filed Aug 13, 2026.

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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.

Jun 30, 2026 · Filed Aug 13, 2026

JCAP$20.25+2.1%Stored close · as of Nov 9, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

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Contents

6. Credit Card Receivables

The following table summarizes the credit card receivables, gross of allowance for credit losses, by segment (in thousands):

​​​​​​​​
​ · ​ · As of June 30, · ​ · As of December 31, · ​
​ · ​ ​ ​ · 2026 · ​ ​ ​ · 2025 · ​ ​ ​
United States​​8,714​​8,615​
Canada​​7,926​​9,480​
Total​$16,640​$18,095​

The Company places credit card receivables on nonaccrual status when the credit card receivables are greater than 90 days past due or within 60 days of being notified that the customer is in bankruptcy status, whichever is earlier. The below tables present the information on the Company’s past due and non-accrual credit card receivables as of June 30, 2026, and December 31, 2025.

Age analysis of past-due credit card receivables at June 30, 2026 (in thousands)

​​​​​​​​​​​​​​​​​​​​​​
​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · Amortized Cost
​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · Total · ​ · ​ · ​ · ​ · ​ · ​ · ​ · > 90 DPD and
($ in 000s)​ ​ ​30-59​ ​ ​60-89​ ​ ​>90​ ​ ​Past Due​ ​ ​Current​ ​ ​Total​ ​ ​Accruing
United States​$299​$257​$552​$1,108​$7,606​$8,714​$—
Canada​​159​​116​​212​​487​​7,439​​7,926​​—
Total​$458​$373​$764​$1,595​$15,045​$16,640​$—

Age analysis of past-due credit card receivables at December 31, 2025 (in thousands)

​​​​​​​​​​​​​​​​​​​​​​
​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · Amortized Cost
​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · Total · ​ · ​ · ​ · ​ · ​ · ​ · ​ · > 90 DPD and
($ in 000s)​ ​ ​30-59​ ​ ​60-89​ ​ ​>90​ ​ ​Past Due​ ​ ​Current​ ​ ​Total​ ​ ​Accruing
United States​$323​$210​$588​$1,121​$7,494​$8,615​$—
Canada​​232​​130​​333​​695​​8,786​​9,480​​—
Total​$554​$340​$921​$1,815​$16,280​$18,095​$—

Allowance for Credit Losses

The following table summarizes the change in the allowance for credit losses for the Company’s credit card receivables portfolio (in thousands).

​​​​​​​​​​
​ · ​ ​ ​ · United States · ​ · Canada · ​ · ​ · Total
Balance as of December 31, 2025​$1,008​$775​$1,784
Charge-offs​​(1,282)​​(673)​​(1,955)
Recoveries​​180​​209​​389
Provision​​1,043​​337​​1,380
Balance as of June 30, 2026​$949​$648​$1,598
​​​​​​​​​​
Balance as of December 31, 2024​$957​$950​$1,907
Charge-offs​​(179)​​(202)​​(381)
Recoveries​​180​​246​​426
Provision​​(84)​​(135)​​(219)
Balance as of June 30, 2025​$874​$859​$1,733

Non-Accrual Loans

The following table presents non-accrual loans by segment (in thousands).

​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​ · ​
​ · ​ ​ ​ · As of June 30, 2026 · ​ ​ ​ · As of December 31, 2025
​ · ​ · ​ · ​ · Nonaccrual · ​ · ​ · ​ · ​ · Nonaccrual
​ · ​ · ​ · ​ · with No · ​ · ​ · ​ · ​ · with No
​​ ​ ​Nonaccrual​ ​ ​Allowance​ ​ ​Nonaccrual​ ​ ​Allowance
United States​$552​$—​$588​$—
Canada​212​—​333​—
Total​$764​$—​$921​$—

No interest income was recorded for the non-accrual receivables for the six months ended June 30, 2026.

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