JCAPNasdaqShort-Term Business Credit InstitutionsFiscal year ends December 31
Jefferson Capital, Inc. / DE
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 13, 2026
$20.31−0.22 (-1.07%)
Close on Oct 19, 2026
- Market cap
- $1.13B
- P/E (TTM)
- 8.3
- Dividend yield
- 4.83%
Ownership
Institutional holdings as of Jun 30, 2026, from 13F filings
Held by institutions
39.8%
23M of 57M shares
Institutional holders
113
28 new, 20 sold out
Net institutional buying
1M
In Q2 2026
Insider trades, 12 months
0 buys · 4 sales
Net sold $225.16M
Shares held by institutions
Holders of more than 5%
Latest Schedule 13D (active) or 13G (passive) filed by each holder
| Holder | Shares | % of class | Filing | As of |
|---|---|---|---|---|
| J. Christopher Flowers | 43,721,808 | 67.60% | 13G (passive) | Jun 30, 2025 |
| JCF IV JCAP Holding L.P. | 43,721,808 | 75.00% | 13G (passive) amendment | Sep 30, 2025 |
| Burton David M. | 3,777,500 | 5.80% | 13G (passive) | Jun 30, 2025 |
| JCF IV JCAP Holding GP LLC | 32,721,808 | 59.10% | 13G (passive) amendment | Mar 31, 2026 |
Top institutional holders
13F holdings as of Jun 30, 2026
| Holder | Shares | % of JCAP | Value | Change | % of portfolio |
|---|---|---|---|---|---|
| Wellington Management Group Llp | 2,321,550 | 4.04% | $45.20M | −949,416 | 0.01% |
| Adage Capital Partners Gp, L.L.C. | 1,857,858 | 3.24% | $36.17M | +95,059 | 0.05% |
| William Blair Investment Management, LLC | 1,806,665 | 3.15% | $35.18M | +246,716 | 0.11% |
| Principal Financial Group Inc | 1,710,435 | 2.98% | $33.30M | +173,381 | 0.02% |
| BlackRock, Inc. | 1,697,836 | 2.96% | $33.06M | +292,794 | 0.00% |
| Nantahala Capital Management, LLC | 1,500,000 | 2.61% | $29.21M | +750,000 | 0.49% |
| Punch & Associates Investment Management, Inc. | 1,446,818 | 2.52% | $28.17M | +330,933 | 1.39% |
| Goldman Sachs Group Inc | 958,811 | 1.67% | $18.67M | −172,787 | 0.00% |
| Geode Capital Management, LLC | 790,883 | 1.38% | $15.40M | +99,666 | 0.00% |
| Vanguard Capital Management LLC | 752,389 | 1.31% | $14.65M | −304,409 | 0.00% |
| Citadel Advisors LLC | 626,868 | 1.09% | $12.21M | +39,370 | 0.00% |
| UBS Group AG | 582,735 | 1.01% | $11.35M | +327,770 | 0.00% |
| North Reef Capital Management LP | 530,598 | 0.92% | $10.33M | −1,553 | 0.40% |
| State Street Corp | 472,411 | 0.82% | $9.20M | +105,740 | 0.00% |
| American Century Companies Inc | 456,926 | 0.80% | $8.90M | +157,883 | 0.00% |
| Millennium Management LLC | 415,568 | 0.72% | $8.09M | +11,219 | 0.00% |
| State Of Wisconsin Investment Board | 338,791 | 0.59% | $6.60M | −35,584 | 0.01% |
| Clearbridge Investments, LLC | 328,800 | 0.57% | $6.40M | −1,592 | 0.01% |
| Philadelphia Financial Management of San Francisco, LLC | 316,853 | 0.55% | $6.17M | New | 1.24% |
| Morgan Stanley | 306,596 | 0.53% | $5.97M | +31,145 | 0.00% |
Institutional buying and selling by quarter
Positions opened, added to, reduced and closed by 13F filers
| Quarter | Holders | Shares held | % of shares | New / added | Reduced / closed | Shares bought | Shares sold |
|---|---|---|---|---|---|---|---|
| Q2 2026 | 113 | 23M | 39.8% | 28 / 46 | 23 / 20 | 4M | 3M |
| Q1 2026 | 107 | 22M | 38.0% | 35 / 61 | 7 / 17 | 11M | 1M |
| Q4 2025 | 91 | 12M | 20.8% | 25 / 16 | 39 / 7 | 2M | 2M |
| Q3 2025 | 73 | 12M | 21.3% | 39 / 19 | 10 / 21 | 5M | 2M |
| Q2 2025 | 55 | 10M | 17.1% | 55 / 0 | 0 / 0 | 10M | 0M |
Top mutual fund and ETF holders
Latest monthly portfolio reports (Form N-PORT)
| Fund | Shares | % of JCAP | Value | % of fund | As of |
|---|---|---|---|---|---|
| SmallCap Fund | 749,200 | 1.30% | $15.07M | 0.72% | Jul 31, 2026 |
| iShares Russell 2000 ETF | 623,217 | 1.09% | $12.13M | 0.01% | Jun 30, 2026 |
| William Blair Small Cap Growth Fund | 615,477 | 1.07% | $11.98M | 0.98% | Jun 30, 2026 |
| Vanguard Total Stock Market Index Fund | 532,962 | 0.93% | $10.38M | 0.00% | Jun 30, 2026 |
| Avantis U.S. Small Cap Value ETF | 337,545 | 0.59% | $5.73M | 0.02% | May 31, 2026 |
| Goldman Sachs Small Cap Value Fund | 322,693 | 0.56% | $5.48M | 0.58% | May 31, 2026 |
| ClearBridge Small Cap Fund | 314,979 | 0.55% | $6.33M | 0.90% | Jul 31, 2026 |
| Fidelity Small Cap Index Fund | 250,548 | 0.44% | $5.04M | 0.01% | Jul 31, 2026 |
| Vanguard Extended Market Index Fund | 196,328 | 0.34% | $3.82M | 0.00% | Jun 30, 2026 |
| iShares Russell 2000 Growth ETF | 139,550 | 0.24% | $2.72M | 0.02% | Jun 30, 2026 |
| Putnam Small Cap Value Fund | 118,500 | 0.21% | $2.01M | 0.68% | May 31, 2026 |
| Vanguard Russell 2000 Index Fund | 114,128 | 0.20% | $1.94M | 0.01% | May 31, 2026 |
| Embark Small Cap Equity Fund | 112,835 | 0.20% | $2.27M | 0.36% | Jul 31, 2026 |
| Fidelity Small-Mid Multifactor ETF | 101,902 | 0.18% | $2.05M | 0.08% | Jul 31, 2026 |
| Fidelity Extended Market Index Fund | 89,169 | 0.16% | $1.51M | 0.00% | May 31, 2026 |
Officers, directors and major owners
People who filed Forms 3, 4 or 5 in the last two years
| Name | Role | Shares owned | % of shares | Latest filing |
|---|---|---|---|---|
| David M. Burton | SEE REMARKS, Director | 3,392,500 | 5.91% | Jan 14, 2026 |
| Penelope JoAnn Person | Chief Commercial Officer | 437,265 | 0.76% | Aug 26, 2026 |
| Mark Joseph Zellmann | President US Business Lines | 631,497 | 1.10% | Aug 19, 2026 |
| Christo Dimitrov Realov | SEE REMARKS | 107,881 | 0.19% | Jun 26, 2025 |
| Matthew James Pfohl | SEE REMARKS | 448,871 | 0.78% | Jun 26, 2025 |
| Susan E. Atkins | Director | – | – | Mar 18, 2026 |
| James Manfred Pierce | Director | – | – | Mar 18, 2026 |
| John J. Oros | Director | – | – | Mar 13, 2026 |
| Beth Kieffer Leonard | Director | 15,479 | 0.03% | Jun 26, 2025 |
| Thomas Cardwell Harding | Director | – | – | Jun 26, 2025 |
| Ronald Kent Vaske | Director | 39,400 | 0.07% | Jun 26, 2025 |
| Thomas Edward Lydon Jr. | Director | – | – | Jun 26, 2025 |
| Christopher Norton Giles | Director | 78,774 | 0.14% | Jun 26, 2025 |
| J. Christopher Flowers | 10% owner | – | – | Jan 13, 2026 |
| Associates IV Ltd. JCF | 10% owner | – | – | Jan 13, 2026 |
| IV JCAP Holding L.P. JCF | 10% owner | – | – | Jan 13, 2026 |
| IV JCAP Holding GP LLC JCF | 10% owner | 43,721,808 | 76.14% | Jan 13, 2026 |
| Associates IV L.P. JCF | 10% owner | 32,721,808 | 56.98% | Jan 13, 2026 |
| Flowers IV L.P. J.C. | 10% owner | 0 | – | Aug 26, 2025 |
| IV Coinvest JCAP L.P. JCF | 10% owner | – | – | Aug 26, 2025 |
Insider trades
Common stock transactions reported on Form 4, newest first
| Insider | Date | Transaction | Shares | Price | Value | Shares after |
|---|---|---|---|---|---|---|
| Penelope JoAnn Person Chief Commercial Officer | Aug 25, 2026 | Sale | −246 | $22.04 | $5.42K | 437,265 |
| Mark Joseph Zellmann President US Business Lines | Aug 17, 2026 | Gift | −6,250 | – | – | 631,497 |
| Mark Joseph Zellmann President US Business Lines | Aug 17, 2026 | Sale | −56,000 | $23.75 | $1.33M | 637,747 |
| David M. Burton SEE REMARKS, Director | Jan 9, 2026 | Sale | −385,000 | $20.50 | $7.89M | 3,392,500 |
| Associates IV L.P. JCF 10% owner | Jan 9, 2026 | Sale | −11,000,000 | $19.63 | $215.93M | 32,721,808 |
| Flowers IV L.P. J.C. 10% owner | Aug 22, 2025 | Other | −30,228,952 | – | – | 0 |
| Flowers IV L.P. J.C. 10% owner | Aug 22, 2025 | Other | −13,492,856 | – | – | 0 |
| Associates IV L.P. JCF 10% owner | Jun 27, 2025 | Sale | −2,687,631 | $15.00 | $40.31M | 13,492,856 |
| Associates IV L.P. JCF 10% owner | Jun 27, 2025 | Sale | −6,021,280 | $15.00 | $90.32M | 30,228,952 |
| David M. Burton SEE REMARKS, Director | Jun 27, 2025 | Sale | −424,296 | $15.00 | $6.36M | 3,777,500 |
| David M. Burton SEE REMARKS, Director | Jun 25, 2025 | Award | +4,201,796 | – | – | 4,201,796 |
Awards, option exercises, tax withholding and gifts are shown alongside open-market buys and sales. Each name links to the filing on SEC EDGAR.
Planned insider sales
Notices of proposed sale filed on Form 144 before shares are sold
| Seller | Filed | Shares | Market value | Planned sale | Acquired through |
|---|---|---|---|---|---|
| Penelope JoAnn Person Officer | Aug 25, 2026 | 246 | $5.42K | Aug 25, 2026 | Restricted Stock Vesting |
| Mark Joseph Zellmann Officer | Aug 17, 2026 | 56,000 | $1.33M | Aug 17, 2026 | Restricted Stock Vesting |