<SEC-DOCUMENT>0001193125-26-011799.txt : 20260113
<SEC-HEADER>0001193125-26-011799.hdr.sgml : 20260113
<ACCEPTANCE-DATETIME>20260113163013
ACCESSION NUMBER:		0001193125-26-011799
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20260109
FILED AS OF DATE:		20260113
DATE AS OF CHANGE:		20260113

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Flowers J. Christopher
		CENTRAL INDEX KEY:			0001041196
		ORGANIZATION NAME:           	

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-42718
		FILM NUMBER:		26530392

	MAIL ADDRESS:	
		STREET 1:		717 FIFTH AVENUE
		STREET 2:		26TH FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10022

	FORMER NAME:	
		FORMER CONFORMED NAME:	FLOWERS CHRISTOPHER J
		DATE OF NAME CHANGE:	19970618

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			JCF Associates IV Ltd.
		CENTRAL INDEX KEY:			0001783442
		ORGANIZATION NAME:           	
		STATE OF INCORPORATION:			E9
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-42718
		FILM NUMBER:		26530393

	BUSINESS ADDRESS:	
		STREET 1:		C/O J.C. FLOWERS & CO. LLC
		STREET 2:		767 FIFTH AVENUE, 23RD FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10153
		BUSINESS PHONE:		212-404-6810

	MAIL ADDRESS:	
		STREET 1:		C/O J.C. FLOWERS & CO. LLC
		STREET 2:		767 FIFTH AVENUE, 23RD FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10153

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			JCF IV JCAP Holding GP LLC
		CENTRAL INDEX KEY:			0002084202
		ORGANIZATION NAME:           	
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-42718
		FILM NUMBER:		26530395

	BUSINESS ADDRESS:	
		STREET 1:		1301 AVENUE OF THE AMERICAS, 16TH FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10019
		BUSINESS PHONE:		212-404-6800

	MAIL ADDRESS:	
		STREET 1:		1301 AVENUE OF THE AMERICAS, 16TH FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10019

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			JCF Associates IV L.P.
		CENTRAL INDEX KEY:			0001783458
		ORGANIZATION NAME:           	
		STATE OF INCORPORATION:			E9
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-42718
		FILM NUMBER:		26530394

	BUSINESS ADDRESS:	
		STREET 1:		C/O J.C. FLOWERS & CO. LLC
		STREET 2:		1301 AVENUE OF THE AMERICAS, 16TH FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10019
		BUSINESS PHONE:		212-404-6810

	MAIL ADDRESS:	
		STREET 1:		C/O J.C. FLOWERS & CO. LLC
		STREET 2:		1301 AVENUE OF THE AMERICAS, 16TH FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10019

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			JCF IV JCAP Holding L.P.
		CENTRAL INDEX KEY:			0002084201
		ORGANIZATION NAME:           	
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-42718
		FILM NUMBER:		26530396

	BUSINESS ADDRESS:	
		STREET 1:		1301 AVENUE OF THE AMERICAS, 16TH FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10019
		BUSINESS PHONE:		212-404-6800

	MAIL ADDRESS:	
		STREET 1:		1301 AVENUE OF THE AMERICAS, 16TH FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10019

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Jefferson Capital, Inc. / DE
		CENTRAL INDEX KEY:			0002046042
		STANDARD INDUSTRIAL CLASSIFICATION:	SHORT-TERM BUSINESS CREDIT INSTITUTIONS [6153]
		ORGANIZATION NAME:           	02 Finance
		EIN:				331923926
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		600 SOUTH HIGHWAY 169, SUITE 1575
		CITY:			MINNEAPOLIS
		STATE:			MN
		ZIP:			55426
		BUSINESS PHONE:		(320) 229-8505

	MAIL ADDRESS:	
		STREET 1:		600 SOUTH HIGHWAY 169, SUITE 1575
		CITY:			MINNEAPOLIS
		STATE:			MN
		ZIP:			55426
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>ownership.xml
<DESCRIPTION>4
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0508</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2026-01-09</periodOfReport>

    <issuer>
        <issuerCik>0002046042</issuerCik>
        <issuerName>Jefferson Capital, Inc. / DE</issuerName>
        <issuerTradingSymbol>JCAP</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0002084201</rptOwnerCik>
            <rptOwnerName>JCF IV JCAP Holding L.P.</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>C/O J.C. FLOWERS &amp; CO. LLC</rptOwnerStreet1>
            <rptOwnerStreet2>1301 AVENUE OF THE AMERICAS, 16TH FLOOR</rptOwnerStreet2>
            <rptOwnerCity>NEW YORK</rptOwnerCity>
            <rptOwnerState>NY</rptOwnerState>
            <rptOwnerZipCode>10019</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>false</isDirector>
            <isOfficer>false</isOfficer>
            <isTenPercentOwner>true</isTenPercentOwner>
            <isOther>false</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0002084202</rptOwnerCik>
            <rptOwnerName>JCF IV JCAP Holding GP LLC</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>C/O J.C. FLOWERS &amp; CO. LLC</rptOwnerStreet1>
            <rptOwnerStreet2>1301 AVENUE OF THE AMERICAS, 16TH FLOOR</rptOwnerStreet2>
            <rptOwnerCity>NEW YORK</rptOwnerCity>
            <rptOwnerState>NY</rptOwnerState>
            <rptOwnerZipCode>10019</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>false</isDirector>
            <isOfficer>false</isOfficer>
            <isTenPercentOwner>true</isTenPercentOwner>
            <isOther>false</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001783458</rptOwnerCik>
            <rptOwnerName>JCF Associates IV L.P.</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>C/O J.C. FLOWERS &amp; CO. LLC</rptOwnerStreet1>
            <rptOwnerStreet2>1301 AVENUE OF THE AMERICAS, 16TH FLOOR</rptOwnerStreet2>
            <rptOwnerCity>NEW YORK</rptOwnerCity>
            <rptOwnerState>NY</rptOwnerState>
            <rptOwnerZipCode>10019</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>false</isDirector>
            <isOfficer>false</isOfficer>
            <isTenPercentOwner>true</isTenPercentOwner>
            <isOther>false</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001783442</rptOwnerCik>
            <rptOwnerName>JCF Associates IV Ltd.</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>C/O J.C. FLOWERS &amp; CO. LLC</rptOwnerStreet1>
            <rptOwnerStreet2>1301 AVENUE OF THE AMERICAS, 16TH FLOOR</rptOwnerStreet2>
            <rptOwnerCity>NEW YORK</rptOwnerCity>
            <rptOwnerState>NY</rptOwnerState>
            <rptOwnerZipCode>10019</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>false</isDirector>
            <isOfficer>false</isOfficer>
            <isTenPercentOwner>true</isTenPercentOwner>
            <isOther>false</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001041196</rptOwnerCik>
            <rptOwnerName>Flowers J. Christopher</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>C/O J.C. FLOWERS &amp; CO. LLC</rptOwnerStreet1>
            <rptOwnerStreet2>1301 AVENUE OF THE AMERICAS, 16TH FLOOR</rptOwnerStreet2>
            <rptOwnerCity>NEW YORK</rptOwnerCity>
            <rptOwnerState>NY</rptOwnerState>
            <rptOwnerZipCode>10019</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>false</isDirector>
            <isOfficer>false</isOfficer>
            <isTenPercentOwner>true</isTenPercentOwner>
            <isOther>false</isOther>
        </reportingOwnerRelationship>
    </reportingOwner>

    <aff10b5One>false</aff10b5One>

    <nonDerivativeTable>
        <nonDerivativeTransaction>
            <securityTitle>
                <value>Common Stock</value>
            </securityTitle>
            <transactionDate>
                <value>2026-01-09</value>
            </transactionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>S</transactionCode>
                <equitySwapInvolved>false</equitySwapInvolved>
            </transactionCoding>
            <transactionAmounts>
                <transactionShares>
                    <value>11000000</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>19.6288</value>
                    <footnoteId id="F1"/>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>D</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>32721808</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>See Footnotes</value>
                    <footnoteId id="F2"/>
                    <footnoteId id="F3"/>
                    <footnoteId id="F4"/>
                </natureOfOwnership>
            </ownershipNature>
        </nonDerivativeTransaction>
    </nonDerivativeTable>

    <footnotes>
        <footnote id="F1">This amount represents the $19.62875 sale price per share of Common Stock, par value $0.0001 per share, in a secondary offering, which closed on January 9, 2026.</footnote>
        <footnote id="F2">Represents securities held directly by JCF IV JCAP Holding L.P.</footnote>
        <footnote id="F3">The general partner of JCF IV JCAP Holding L.P. is JCF IV JCAP Holding GP LLC. The managing member of JCF IV JCAP Holding GP LLC is JCF Associates IV L.P. The general partner of JCF Associates IV L.P. is JCF Associates IV Ltd. J. Christopher Flowers controls JCF Associates IV Ltd. and thus may be deemed to control each entity directly or indirectly controlled by JCF Associates IV Ltd., including JCF IV JCAP Holding L.P.</footnote>
        <footnote id="F4">The Reporting Persons disclaim beneficial ownership of the securities reported on this Form 4, except to the extent of their pecuniary interest therein, and the inclusion of these securities in this report shall not be deemed an admission of beneficial ownership of these securities for purposes of Section 16 of the Securities Exchange Act of 1934 or for any other purpose.</footnote>
    </footnotes>

    <ownerSignature>
        <signatureName>JCF IV JCAP HOLDING L.P., By: JCF IV JCAP Holding GP LLC, its general partner, By: /s/ Sally Rocker, Managing Director, Chief Operating Officer &amp; General Counsel</signatureName>
        <signatureDate>2026-01-13</signatureDate>
    </ownerSignature>

    <ownerSignature>
        <signatureName>JCF IV JCAP Holding GP LLC, By: /s/ Sally Rocker, Managing Director, Chief Operating Officer &amp; General Counsel</signatureName>
        <signatureDate>2026-01-13</signatureDate>
    </ownerSignature>

    <ownerSignature>
        <signatureName>JCF ASSOCIATES IV L.P., By: JCF Associates IV Ltd, its general partner, By: /s/ J. Christopher Flowers, Director</signatureName>
        <signatureDate>2026-01-13</signatureDate>
    </ownerSignature>

    <ownerSignature>
        <signatureName>JCF ASSOCIATES IV LTD., By: /s/ J. Christopher Flowers, Director</signatureName>
        <signatureDate>2026-01-13</signatureDate>
    </ownerSignature>

    <ownerSignature>
        <signatureName>J. CHRISTOPHER FLOWERS, By: /s/ J. Christopher Flowers</signatureName>
        <signatureDate>2026-01-13</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
