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Combined and Consolidated Statements of Operations and Comprehensive Income - USD ($)
shares in Thousands, $ in Thousands
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Revenues      
Total portfolio income $ 560,416 $ 396,304 $ 306,529
Changes in recoveries 6,001 (419) (12,955)
Total portfolio revenue 566,417 395,885 293,574
Credit card revenue 7,196 8,338 8,820
Servicing revenue 39,676 29,118 20,678
Total Revenues 613,289 433,341 323,072
Provision for credit losses 2,360 3,497 3,524
Operating Expenses      
Salaries and benefits 64,584 48,112 36,527
Servicing expenses 187,201 130,889 101,696
Depreciation and amortization 5,254 2,608 2,372
Professional fees 18,641 11,396 6,833
Other selling, general and administrative 18,754 16,572 8,069
Total Operating Expenses 294,434 209,577 155,497
Net Operating Income 316,495 220,267 164,051
Other Income (Expense)      
Interest expense (105,784) (77,239) (48,108)
Foreign exchange and other income (expense) 7,725 (5,474) 4,641
Total other expense (98,059) (82,713) (43,467)
Income Before Income Taxes 218,436 137,554 120,584
Provision for income taxes (30,471) (8,663) (9,045)
Net income 187,965 128,891 111,539
Net income attributable to noncontrolling interest     (20)
Net Income attributable to Jefferson Capital, Inc. 187,965 128,891 111,519
Foreign currency translation gain / (loss) 18,639 (13,951) 8,261
Comprehensive Income $ 206,604 $ 114,940 $ 119,780
Earnings per share      
Earnings per share, Basic (in dollars per share) $ 5.64    
Earnings per share, Diluted (in dollars per share) $ 5.64    
Weighted average common shares outstanding      
Weighted average common shares outstanding, Basic (in shares) 30,015    
Weighted average common shares outstanding, Diluted (in shares) 30,015