Jefferson Capital, Inc. is classed by the SEC under Short-Term Business Credit Institutions (industry code 6153), based in Minneapolis, MN. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $613 million and a profit of $169 million (its filed statements).
Lending businessShort-Term Business Credit InstitutionsMinneapolis, MNfilings since 20246 of 9 filed, 3 estimated
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6153, Short-Term Business Credit Institutions); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 7.0 out of ten, 6 of 9 metrics filed and 3 estimated: past 7.7 out of ten, present 7.3 out of ten, future 5.5 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 7.8 out of ten. No warning events in its filings since 2024. 78th percentile among 20 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 8.6 out of ten. +37.7% a year over 3 filed years; profitable in 3 of 3. 86th percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 7.1 out of ten. CrossAssetData estimate 7.1/10, confidence 35 of 100 (one part). 71st percentile among 19 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
Financial health (present): 7.4 out of ten. ROE 39%: 39¢ of profit per shareholder dollar. Leverage 77%: owes 77¢ per asset dollar. 74th percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 7.3 out of ten. top 27% of 19 in its family; net margin 30.6%. 73rd percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 7.2 out of ten. CrossAssetData estimate 7.2/10, confidence 35 of 100 (one part). 72nd percentile among 16 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
Room to expand (future): 5.5 out of ten. top 45% of 19 in its family for room to expand. 55th percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 6.0 out of ten. top 39% of 19 in its family for growth drivers. 61st percentile among 19 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 5.0 out of ten. CrossAssetData estimate 5.0/10, confidence 20 of 100 (family median). 50th percentile among 17 sector filers. A CrossAssetData estimate, not a filed reading: family median, confidence 20 of 100; its next annual report on file with the inputs replaces this estimate with the filed reading.
The filing record
Newest annual report: Form 10-K filed 2026-03-13 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-13 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-08-13 (on EDGAR). Newest filing: Form 4, 2026-08-26. Filings on record since 2024. Read from EDGAR 2026-10-12.
Where the revenue comes from
Lines of business in fiscal 2025: United States 73%, Canada 12%, United Kingdom 8%, Latin America 7%. As tagged in its annual report (Form 10-K, filed 2026-03-13).
Who runs it
Burton, David M. (Officer Title: Chief Executive Officer and President); Zellmann, Mark Joseph (President US Business Lines); Person, Penelope Joann (Chief Commercial Officer); Atkins, Susan E. (director); Pierce, James Manfred (director); Oros, John J (director). 6 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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