Jefferson Capital, Inc. / DE (JCAP) shareholders
JCAPNasdaqShort-Term Business Credit InstitutionsFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 12, 2026Score 10/3040% below fair value
$20.88+1.42 (+7.30%)
Close on Nov 13, 2026Market cap $1.20BP/E 8.0Yield 4.69%
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 Joint filing with JCF Associates IV L.P. (67.60%), JCF Associates IV Ltd (67.60%) and 2 more | 43,721,808 | 67.60% | 13G (passive) | Jun 30, 2025 |
| JCF IV JCAP Holding L.P. Joint filing with JCF IV JCAP Holding GP LLC (75.00%), JCF Associates IV L.P. (75.00%) and 2 more | 43,721,808 | 75.00% | 13G (passive) amendment | Sep 30, 2025 |
| JCF IV JCAP Holding GP LLC Joint filing with JCF IV JCAP Holding L.P. (59.10%), JCF Associates IV L.P. (59.10%) and 2 more | 32,721,808 | 59.10% | 13G (passive) amendment | Mar 31, 2026 |
| Burton David M. | 3,777,500 | 5.80% | 13G (passive) | Jun 30, 2025 |
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)
123 funds held JCAP in Q2 2026, 36% of their shares through ETFs. Each fund counts once per quarter, from its quarter-end report.
| 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.
Short interest
Shares sold short and not yet bought back, as of Oct 30, 2026 (FINRA, reported twice a month)
Short % of shares outstanding
1.73%
1M shares short
Days to cover
5.0
At 0M shares a day
Change since last report
-10.6%
From 1M shares
Short volume, 20 days
63.0%
Of volume reported to FINRA
Shares sold short, last 12 months
Short sale volume counts trades marked short on any given day, including market-maker hedging, so it runs far higher than the share of Jefferson Capital, Inc. / DE's stock actually held short. Settlement fails (shares not delivered on time) peaked at 9,937 shares on Sep 4, 2026 over the last 90 days.
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 |
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