Jefferson Capital

Jefferson Capital, Inc. is a holding company, which engages in purchasing and managing of charge-off and insolvency consumer accounts. The company is headquartered in Minneapolis, Minnesota and currently employs 1,120 full-time employees. The company went IPO on 2025-06-26. The firm purchases and services both secured and unsecured assets, and its client base includes creditors, banks, fintech origination platforms, telecommunications providers, credit card issuers and auto finance companies. The firm purchases portfolios of consumer receivables at deep discounts to face value and manages them by working with individuals as they repay their obligations and work toward financial recovery. Previously charged-off receivables include receivables subject to bankruptcy proceedings. The firm also provides debt servicing and other portfolio management services to credit originators for non-performing loans.