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Jefferson Capital cash flow, quarter by quarter

Latest: Q2 2026 · from the cash-flow statements filed with the SEC

Free cash flow$43.3M in Q2 2026 · $221M over twelve months

Operating cash flow$43.3M
Free cash flow+$43.3M
Cash / net income1.0×

Analysis

In Q2 2026, Jefferson Capital generated $43.3M of operating cash flow. That is $35.6M less than in Q2 2025 ($78.9M).

Over the twelve months to Jun 30, 2026, operating cash flow was $221M; the largest uses were other investing ($341M), other financing ($67.6M), dividends ($60.6M); besides operations, cash came from net borrowing (+) / repaid (−) ($226M); the cash balance fell by $29.5M.

Operating cash flow was $43.3M against net income of $41.3M — 1.0× profit, roughly in line with earnings. The largest differences: stock-based pay +$8.3M, payables −$2.2M, receivables −$1.8M.

Free cash flow

Jefferson Capital: free cash flow by quarterJefferson Capital: free cash flow by quarter$7.6MQ3 2024$77.3MQ4 2024$51.7MQ1 2025$78.9MQ2 2025$63.0MQ3 2025$75.2MQ4 2025$39.6MQ1 2026$43.3MQ2 2026
Operating cash flow less capital spending.
Jefferson Capital: operating cash flow against capital spendingJefferson Capital: operating cash flow against capital spendingOperating cash flowCapital spending$7.7M$123KQ3 2024$77.3M$0Q4 2024$51.7M$0Q1 2025$78.9M$0Q2 2025$63.1M$106KQ3 2025$75.2M$0Q4 2025$39.6M$0Q1 2026$43.3M$0Q2 2026
Latest (Q2 2026): Operating cash flow $43.3M, Capital spending $0.

Capital allocation, year by year

Jefferson Capital: where the cash came from (up) and went (down), by fiscal yearJefferson Capital: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAcquisitionsDividendsFY2023: Operating cash flow $120MFY2023: Net borrowing $326MFY2023: Acquisitions −$5.6MFY2023: Dividends −$30.6M$447MFY2023FY2024: Operating cash flow $168MFY2024: Net borrowing $432MFY2024: Dividends −$36.0M$600MFY2024FY2025: Operating cash flow $269MFY2025: Net borrowing $219MFY2025: Shares issued $10.0MFY2025: Dividends −$63.5M$497MFY2025
Over these 3 years operating cash flow totalled $557M; the largest uses were dividends ($130M) and acquisitions ($5.6M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$20.4M
Debt$1.8B
Net debt$1.7B

Jefferson Capital funds itself: free cash flow was $221M over the last twelve months, and $20.4M of cash and investments stands against $1.8B of debt.

Where the cash came from and went

Jefferson Capital: sources (+) and uses (−) of cash, Q2 2026Jefferson Capital: sources (+) and uses (−) of cash, Q2 2026Operating cash flow$43.3MDividends−$29.6MNet borrowing (+) / repaid (−)−$28.3MCash drawn (+) / kept (−)$19.6MExchange rates−$2.1MOther investing−$2.0MOther financing−$935K
Jefferson Capital: sources (+) and uses (−) of cash, TTM to Q2 2026Jefferson Capital: sources (+) and uses (−) of cash, TTM to Q2 2026Other investing−$341MNet borrowing (+) / repaid (−)$226MOperating cash flow$221MOther financing−$67.6MDividends−$60.6MCash drawn (+) / kept (−)$29.5MExchange rates−$7.6M

From profit to cash

Jefferson Capital: net income to operating cash flow, Q2 2026Jefferson Capital: net income to operating cash flow, Q2 2026Net income$41.3MDepreciation & amortization$844KStock-based pay$8.3MReceivables−$1.8MPayables−$2.2MPrepaid and other assets−$158KOperating cash flow$43.3M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q2 2026$43.3M——−$29.6M−$28.3M$19.6M$43.3M
Q1 2026$39.6M—−$58.9M—$22.9M$1.9M$39.6M
Q4 2025$75.2M——−$15.5M$232M−$1.5M$75.2M
Q3 2025$63.1M−$106K—−$15.5M—$9.4M$63.0M
Q2 2025$78.9M——−$16.4M−$28.6M−$25.1M$78.9M
Q1 2025$51.7M——−$16.0M$15.5M$7.8M$51.7M
Q4 2024$77.3M——−$16.0M$252M−$16.8M$77.3M
Q3 2024$7.7M−$123K—−$20.0M$99.6M−$7.9M$7.6M

Jefferson Capital: income statement and cash flow

Jefferson Capital, Q2 2026: revenue $178M (+16% year over year), operating margin 45.9%. The chart follows the revenue to costs, profit and cash.

Jefferson Capital: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.