Jefferson Capital, Inc. Common Stock (JCAP) Financial Ratios
11 years of historical data (2015–2025) · Financial Services · Financial - Credit Services
EV/EBITDA
8.19
+13% vs avg
5yr avg: 7.26
30Y Low7.3·High7.3
P/FCF
3.62
↑+45% vs avg
5yr avg: 2.50
30Y Low2.5·High2.5
P/B Ratio
1.10
↓-22% vs avg
5yr avg: 1.41
30Y Low1.4·High1.4
ROE
↑
43.8%
↓+79% vs avg
5yr avg: 24.4%
30Y Low-3%·High44%
Debt/EBITDA
↑
5.32
+2% vs avg
5yr avg: 5.20
30Y Low0.3·High9.1
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
JCAP Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Jefferson Capital, Inc. Common Stock trades at 2.8x earnings, 22% below its 5-year average of 3.6x, sitting at the 0th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.9x, the stock trades at a discount of 80%. On a free-cash-flow basis, the stock trades at 3.6x P/FCF, 45% above the 5-year average of 2.5x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $970M | $671M | — | — | — | — | — | — | — |
| Enterprise Value | $2.6B | $2.3B | — | — | — | — | — | — | — |
| P/E Ratio → | 2.80 | 3.57 | — | — | — | — | — | — | — |
| P/S Ratio | 1.58 | 1.09 | — | — | — | — | — | — | — |
| P/B Ratio | 1.10 | 1.41 | — | — | — | — | — | — | — |
| P/FCF | 3.62 | 2.50 | — | — | — | — | — | — | — |
| P/OCF | 3.61 | 2.49 | — | — | — | — | — | — | — |
P/E links to full P/E history page with 30-year chart
JCAP EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Jefferson Capital, Inc. Common Stock's enterprise value stands at 8.2x EBITDA, 13% above its 5-year average of 7.3x. The Financial Services sector median is 11.1x, placing the stock at a 26% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 3.81 | — | — | — | — | — | — | — |
| EV / EBITDA | 8.19 | 7.26 | — | — | — | — | — | — | — |
| EV / EBIT | 8.33 | 7.21 | — | — | — | — | — | — | — |
| EV / FCF | — | 8.73 | — | — | — | — | — | — | — |
JCAP Profitability
Margins and return-on-capital ratios measuring operating efficiency
Jefferson Capital, Inc. Common Stock earns an operating margin of 51.6%, significantly above the Financial Services sector average of 20.0%. Return on equity of 43.8% is exceptionally high — well above the sector median of 8.9%. ROIC of 12.6% represents solid returns on invested capital versus a sector median of 5.3%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 67.8% | 67.8% | 71.2% | 73.8% | 91.1% | 94.5% | 97.8% | 100.0% | 100.0% |
| Operating Margin | 51.6% | 51.6% | 50.8% | 50.8% | 35.3% | 35.5% | 17.6% | -43.8% | -184.9% |
| Net Profit Margin | 30.6% | 30.6% | 24.3% | 34.5% | 98.5% | 174.2% | 119.4% | 245.2% | -168.8% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|
| ROE | 43.8% | 43.8% | 32.0% | 25.8% | 7.8% | 12.7% | 6.1% | 11.9% | -2.9% |
| ROA | 10.0% | 10.0% | 7.6% | 11.6% | 6.3% | 12.0% | 5.7% | 10.7% | -2.8% |
| ROIC | 12.6% | 12.6% | 12.6% | 13.4% | 1.7% | 1.9% | 0.7% | -1.5% | — |
| ROCE | 18.8% | 18.8% | 16.6% | 17.6% | 2.3% | 2.5% | 0.9% | -2.0% | -3.2% |
JCAP Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Jefferson Capital, Inc. Common Stock carries a Debt/EBITDA ratio of 5.3x, which is highly leveraged (27% above the sector average of 4.2x). Net debt stands at $1.7B ($1.7B total debt minus $48M cash). Interest coverage of 3.1x is adequate, though a cyclical earnings downturn could tighten the margin of safety.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 3.60 | 3.60 | 3.12 | 2.81 | 0.34 | 0.04 | 0.00 | 0.11 | — |
| Debt / EBITDA | 5.32 | 5.32 | 5.26 | 4.55 | 9.15 | 1.69 | 0.27 | — | — |
| Net Debt / Equity | — | 3.50 | 3.03 | 2.75 | 0.34 | 0.03 | -0.15 | -0.29 | -0.43 |
| Net Debt / EBITDA | 5.18 | 5.18 | 5.10 | 4.47 | 9.00 | 1.09 | -17.28 | — | — |
| Debt / FCF | — | 6.22 | 7.16 | 6.36 | — | — | — | — | — |
| Interest Coverage | 3.06 | 3.06 | — | — | 6.22 | 26.23 | 14.83 | 29.65 | — |
JCAP Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.20x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 25.09x to 0.20x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.20 | 0.20 | 20.16 | 25.09 | 0.79 | 0.96 | 6.79 | 15.41 | 17.73 |
| Quick Ratio | 0.20 | 0.20 | 20.16 | 25.09 | 0.79 | 0.96 | 6.79 | 15.41 | 17.73 |
| Cash Ratio | 0.16 | 0.16 | 0.46 | 0.35 | 0.16 | 0.49 | 5.80 | 11.55 | 11.97 |
| Asset Turnover | — | 0.29 | 0.26 | 0.29 | 0.06 | 0.05 | 0.04 | 0.03 | 0.02 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — |
JCAP Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Jefferson Capital, Inc. Common Stock returns 12.1% to shareholders annually primarily through dividends. The payout ratio of 33.8% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 35.8% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 12.1% | 9.5% | — | — | — | — | — | — | — |
| Payout Ratio | 33.8% | 33.8% | 34.2% | 27.4% | 94.0% | 56.3% | 116.4% | 53.0% | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 35.8% | 28.0% | — | — | — | — | — | — | — |
| FCF Yield | 27.6% | 39.9% | — | — | — | — | — | — | — |
| Buyback Yield | 0.0% | 0.0% | — | — | — | — | — | — | — |
| Total Shareholder Yield | 12.1% | 9.5% | — | — | — | — | — | — | — |
| Shares Outstanding | — | $30M | $58M | $58M | $22M | $17M | $12M | $6M | $5M |
Peer Comparison
Compare JCAP with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 JCAPYou | $970M | 2.8 | 8.2 | 3.6 | 67.8% | 51.6% | 43.8% | 12.6% | 5.3 |
 PRAA | $671M | -2.3 | 1.4 | — | 99.2% | 33.9% | -27.3% | 11.2% | 0.1 |
 ECPG | $2B | 7.9 | 8.9 | 14.5 | 69.0% | 35.4% | 29.5% | 9.8% | 6.3 |
 FCFS | $10B | 30.1 | 12.6 | 21.0 | 51.7% | 15.4% | 15.3% | 9.2% | 2.8 |
 OMF | $7B | 8.9 | 22.2 | 2.2 | 47.6% | 16.0% | 23.8% | 3.0% | 17.6 |
 CACC | $6B | 15.7 | 10.6 | 5.8 | 98.7% | 47.6% | 25.9% | 10.4% | 5.6 |
 SLM | $5B | 6.7 | 6.3 | 8.0 | 53.1% | 31.9% | 32.3% | 8.8% | 5.9 |
 NAVI | $750M | -9.9 | 17.8 | 1.7 | 87.0% | 77.1% | -3.2% | 3.8% | 18.3 |
 WRLD | $857M | 26.8 | 14.6 | 0.0 | 96.8% | 16.2% | 8.8% | 7.2% | 6.4 |
 EFX | $18B | 28.7 | 12.8 | 16.2 | 44.6% | 18.0% | 13.7% | 8.5% | 2.8 |
 TRU | $13B | 28.4 | 11.9 | 19.2 | 59.1% | 18.7% | 10.3% | 7.3% | 3.6 |
| Financial Services Median | — | 13.9 | 11.1 | 11.2 | 64.0% | 20.0% | 8.9% | 5.3% | 4.2 |
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JCAP — Frequently Asked Questions
Quick answers to the most common questions about buying JCAP stock.
What is Jefferson Capital, Inc. Common Stock's P/E ratio?
Jefferson Capital, Inc. Common Stock's current P/E ratio is 2.8x. The historical average is 3.6x.
What is Jefferson Capital, Inc. Common Stock's EV/EBITDA?
Jefferson Capital, Inc. Common Stock's current EV/EBITDA is 8.2x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 7.3x.
What is Jefferson Capital, Inc. Common Stock's ROE?
Jefferson Capital, Inc. Common Stock's return on equity (ROE) is 43.8%. This is above the typical threshold of 15-20% considered good for most companies. The historical average is 17.2%.
Is JCAP stock overvalued?
Based on historical data, Jefferson Capital, Inc. Common Stock is trading at a P/E of 2.8x. Compare with industry peers and growth rates for a complete picture.
What is Jefferson Capital, Inc. Common Stock's dividend yield?
Jefferson Capital, Inc. Common Stock's current dividend yield is 12.07% with a payout ratio of 33.8%.
What are Jefferson Capital, Inc. Common Stock's profit margins?
Jefferson Capital, Inc. Common Stock has 67.8% gross margin and 51.6% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Jefferson Capital, Inc. Common Stock have?
Jefferson Capital, Inc. Common Stock's Debt/EBITDA ratio is 5.3x, indicating high leverage. A ratio above 4x may signal elevated financial risk.