Jefferson Capital, Inc. / DE

htm EX-99.1 Exhibit 99.1 Jefferson Capital Reports Second Quarter 2026 Results Collections Grow 18% to $300.9 Million and Deployments grow 21% to $152.2 Million Estimated Remaining Collections ( ERC ) up 18% to $3.4 Billion Pre-tax Income of $53.3 Million with Net Income of $41.3 Million and EPS of $0.67 Adjusted Pre-tax Income of $59.3 Million with Adjusted Net Income of $47.3 Million and Adjusted EPS of $0.77 Board of Directors Declares Quarterly Cash Dividend of $0.24 per Share MINNEAPOLIS, August 13, 2026 /GLOBE NEWSWIRE/ -- Jefferson Capital, Inc.

SEC original ↗Jefferson Capital, Inc. / DE — Earnings release (8-K exhibit)EX-99Aug 13, 2026

At June 30, 2026, the Company had $226 million drawn under the RCF On August 13, 2026, the Company deposited $300 million with the bond trustee for the repayment of the 2026 notes expected to be repaid on August 17, 2026 Dividend The Board of Directors declared a quarterly cash dividend of $0.24 per share on its outstanding common stock, payable on September 3, 2026, to shareholders of record as of the close of business on August 24, 2026.

SEC original ↗Jefferson Capital, Inc. / DE — Earnings release (8-K exhibit)EX-99Aug 13, 2026

All statements contained in this press release that do not relate to matters of historical fact should be considered forward-looking statements, including without limitation statements concerning our anticipated financial performance, execution of our business strategies and strength of our business model, the favorability of the investment environment, [use of our share repurchase program,] and our ability to continue paying quarterly cash dividends.

SEC original ↗Jefferson Capital, Inc. / DE — Earnings release (8-K exhibit)EX-99Aug 13, 2026

K and Latin America provide debt recovery solutions and other related services across a broad range of consumer receivables, including credit card, secured and unsecured automotive, utilities, telecom, and other receivables.

SEC original ↗Jefferson Capital, Inc. / DE — 10-Q Quarterly report10-QAug 13, 2026

The Company also provides debt servicing and other portfolio management services to credit originators for non-performing loans.

SEC original ↗Jefferson Capital, Inc. / DE — 10-Q Quarterly report10-QAug 13, 2026

The company repurchased $ 58.9 million of shares of our common stock to support that transaction; the Management Stockholders collectively own 14.5 % ; The number of shares of common stock received by the JCF Stockholders, the Former Canaccede Stockholders and the Management Stockholders in exchange for the 132,828,019 Class A Units and Class C Units of JCAP TopCo, LLC outstanding immediately prior to the Reorganization was based on an exchange ratio of one share of our common stock for every 2.4150549 interests in JCAP TopCo, LLC (the Exchange Ratio ), resulting in an aggregate of 55,000,000 shares of our common stock being issued in exchange for such Class A Units and Class C units.

SEC original ↗Jefferson Capital, Inc. / DE — 10-Q Quarterly report10-QAug 13, 2026

We continue to execute well on our differentiated strategy and remain well positioned to drive shareholder value in the near and long term.

SEC original ↗Jefferson Capital, Inc. / DE — Earnings release (8-K exhibit)EX-99Aug 13, 2026

We are particularly focused on auto finance where record high balances and credit quality headwinds continue to drive growing portfolio supply.

SEC original ↗Jefferson Capital, Inc. / DE — Earnings release (8-K exhibit)EX-99Aug 13, 2026

All statements contained in this press release that do not relate to matters of historical fact should be considered forward-looking statements, including without limitation statements concerning our anticipated financial performance, execution of our business strategies and strength of our business model, the favorability of the investment environment, [use of our share repurchase program,] and our ability to continue paying quarterly cash dividends.

SEC original ↗Jefferson Capital, Inc. / DE — Earnings release (8-K exhibit)EX-99Aug 13, 2026

Recent Accounting Standards or Updates Not Yet Adopted In October 2023, the FASB issued ASU 2023-06, Disclosure Improvements: Codification Amendments in Response to the SEC s Disclosure Update and Simplification Initiative, to amend certain disclosure and presentation requirements for a variety of topics within the Accounting Standards Codification ( ASC ).

SEC original ↗Jefferson Capital, Inc. / DE — 10-Q Quarterly report10-QAug 13, 2026

Under applicable accounting standards, fair value measurements are categorized into one of three levels based on the inputs to the valuation technique with the highest priority given to unadjusted quoted prices in active markets and the lowest priority given to unobservable inputs.

SEC original ↗Jefferson Capital, Inc. / DE — 10-Q Quarterly report10-QAug 13, 2026

We are particularly focused on auto finance where record high balances and credit quality headwinds continue to drive growing portfolio supply.

SEC original ↗Jefferson Capital, Inc. / DE — Earnings release (8-K exhibit)EX-99Aug 13, 2026

Forward-looking statements involve inherent risks and uncertainties that could cause actual results to differ materially from those set forth in forward-looking statements.

SEC original ↗Jefferson Capital, Inc. / DE — 10-Q Quarterly report10-QAug 13, 2026

Factors that may materially affect such forward-looking statements include: Deterioration in general business and economic conditions or turbulence in domestic or global financial markets, which could adversely affect Jefferson Capital, Inc.

SEC original ↗Jefferson Capital, Inc. / DE — 10-Q Quarterly report10-QAug 13, 2026

3 Table of Contents Factors other than these risks, including those described under the sections in this Quarterly Report entitled Risk Factors and Management s Discussion and Analysis of Financial Condition and Results of Operations and elsewhere in this Quarterly Report, also could adversely affect Jefferson Capital, Inc.

SEC original ↗Jefferson Capital, Inc. / DE — 10-Q Quarterly report10-QAug 13, 2026

s results, and the reader should not consider these risks to be a complete set of all potential risks or uncertainties.

SEC original ↗Jefferson Capital, Inc. / DE — 10-Q Quarterly report10-QAug 13, 2026