Third Quarter 2025 Financial Results November 13, 2025 © 2020 Jefferson Capital Systems, LLC © 2025 Jefferson Capital, Inc. Disclaimer Forward Looking Statements Disclaimer This presentation of Jefferson Capital, Inc. (together with its direct and indirect subsidiaries, "we", "us", "or", "JCAP", "Jefferson Capital", or the "Company") contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. All statements contained in this presentation that do not relate ...