10 years of historical data (2015–2024) · Financial Services · Financial - Credit Services
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Jefferson Capital, Inc. Common Stock trades at 11.4x earnings, sitting at the 50th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.8x, the stock trades at a discount of 17%. On a free-cash-flow basis, the stock trades at 7.4x P/FCF.
| Metric | TTM | FY 2024 | FY 2023 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|
| Market Cap | $1.2B | — | — | — | — | — | — | — |
| Enterprise Value | $2.4B | — | — | — | — | — | — | — |
| P/E Ratio → | 11.40 | — | — | — | — | — | — | — |
| P/S Ratio | 2.78 | — | — | — | — | — | — | — |
| P/B Ratio | 3.14 | — | — | — | — | — | — | — |
| P/FCF | 7.42 | — | — | — | — | — | — | — |
| P/OCF | 7.15 | — | — | — | — | — | — | — |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
Jefferson Capital, Inc. Common Stock's enterprise value stands at 10.4x EBITDA. The Financial Services sector median is 11.1x, placing the stock at a 6% discount on an enterprise-value basis.
| Metric | TTM | FY 2024 | FY 2023 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | — | — | — | — | — | — | — |
| EV / EBITDA | 10.40 | — | — | — | — | — | — | — |
| EV / EBIT | 10.72 | — | — | — | — | — | — | — |
| EV / FCF | — | — | — | — | — | — | — | — |
Margins and return-on-capital ratios measuring operating efficiency
Jefferson Capital, Inc. Common Stock earns an operating margin of 50.8%, significantly above the Financial Services sector average of 21.9%. Operating margins have expanded from 35.3% to 50.8% over the past 3 years, signaling improving operational efficiency. Return on equity of 32.0% is exceptionally high — well above the sector median of 9.1%. ROIC of 12.6% represents solid returns on invested capital versus a sector median of 5.4%.
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 71.2% | 71.2% | 73.8% | 91.1% | 94.5% | 97.8% | 100.0% | 100.0% |
| Operating Margin | 50.8% | 50.8% | 50.8% | 35.3% | 35.5% | 17.6% | -43.8% | -184.9% |
| Net Profit Margin | 24.3% | 24.3% | 34.5% | 98.5% | 174.2% | 119.4% | 245.2% | -168.8% |
| Metric | TTM | FY 2024 | FY 2023 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|
| ROE | 32.0% | 32.0% | 25.8% | 7.8% | 12.7% | 6.1% | 11.9% | -2.9% |
| ROA | 7.6% | 7.6% | 11.6% | 6.3% | 12.0% | 5.7% | 10.7% | -2.8% |
| ROIC | 12.6% | 12.6% | 13.4% | 1.7% | 1.9% | 0.7% | -1.5% | — |
| ROCE | 16.6% | 16.6% | 17.6% | 2.3% | 2.5% | 0.9% | -2.0% | -3.2% |
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 (28% above the sector average of 4.1x). Net debt stands at $1.2B ($1.2B total debt minus $36M cash).
| Metric | TTM | FY 2024 | FY 2023 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 3.12 | 3.12 | 2.81 | 0.34 | 0.04 | 0.00 | 0.11 | — |
| Debt / EBITDA | 5.26 | 5.26 | 4.55 | 9.15 | 1.69 | 0.27 | — | — |
| Net Debt / Equity | — | 3.03 | 2.75 | 0.34 | 0.03 | -0.15 | -0.29 | -0.43 |
| Net Debt / EBITDA | 5.10 | 5.10 | 4.47 | 9.00 | 1.09 | -17.28 | — | — |
| Debt / FCF | — | 7.16 | 6.36 | — | — | — | — | — |
| Interest Coverage | — | — | — | 1.87 | 5.14 | 2.04 | -5.11 | — |
Short-term solvency ratios and asset-utilisation metrics
Jefferson Capital, Inc. Common Stock's current ratio of 20.16x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.79x to 20.16x over the past 3 years.
| Metric | TTM | FY 2024 | FY 2023 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|
| Current Ratio | 20.16 | 20.16 | 25.09 | 0.79 | 0.96 | 6.79 | 15.41 | 17.73 |
| Quick Ratio | 20.16 | 20.16 | 25.09 | 0.79 | 0.96 | 6.79 | 15.41 | 17.73 |
| Cash Ratio | 0.46 | 0.46 | 0.35 | 0.16 | 0.49 | 5.80 | 11.55 | 11.97 |
| Asset Turnover | — | 0.26 | 0.29 | 0.06 | 0.05 | 0.04 | 0.03 | 0.02 |
| Inventory Turnover | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Jefferson Capital, Inc. Common Stock returns 3.0% to shareholders annually primarily through dividends. The payout ratio of 34.2% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 8.8% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 3.0% | — | — | — | — | — | — | — |
| Payout Ratio | 34.2% | 34.2% | 27.4% | 94.0% | 56.3% | 116.4% | 53.0% | — |
| Metric | TTM | FY 2024 | FY 2023 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 8.8% | — | — | — | — | — | — | — |
| FCF Yield | 13.5% | — | — | — | — | — | — | — |
| Buyback Yield | 0.0% | — | — | — | — | — | — | — |
| Total Shareholder Yield | 3.0% | — | — | — | — | — | — | — |
| Shares Outstanding | — | $58M | $58M | $22M | $17M | $12M | $6M | $5M |
Compare JCAP with 4 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
| JCAPYou | $1B | 11.4 | 10.4 | 7.4 | 71.2% | 50.8% | 32.0% | 12.6% | 5.3 |
| FCFS | $8B | 26.0 | 8.7 | — | 100.0% | 15.4% | 15.3% | 12.7% | 0.3 |
| EZPW | $2B | 18.7 | 10.6 | 14.8 | 58.5% | 11.7% | 12.0% | 7.1% | 4.2 |
| PRAA | $616M | 8.8 | 11.0 | — | 61.0% | 30.2% | 5.8% | 5.0% | 9.6 |
| LMFA | $6M | -0.1 | 7.7 | — | 36.4% | -58.7% | -20.8% | -12.3% | 5.9 |
| Financial Services Median | — | 13.8 | 11.1 | 11.2 | 60.2% | 21.9% | 9.1% | 5.4% | 4.1 |
Peers based on L4 peer group classification. Compare multiple stocks →
Includes 30+ ratios · 7 years · Updated daily
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Start ComparisonJefferson Capital, Inc. Common Stock's current P/E ratio is 11.4x. This places it at the 50th percentile of its historical range.
Jefferson Capital, Inc. Common Stock's current EV/EBITDA is 10.4x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA.
Jefferson Capital, Inc. Common Stock's return on equity (ROE) is 32.0%. This is above the typical threshold of 15-20% considered good for most companies. The historical average is 13.4%.
Based on historical data, Jefferson Capital, Inc. Common Stock is trading at a P/E of 11.4x. This is at the 50th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Jefferson Capital, Inc. Common Stock's current dividend yield is 2.99% with a payout ratio of 34.2%.
Jefferson Capital, Inc. Common Stock has 71.2% gross margin and 50.8% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
Jefferson Capital, Inc. Common Stock's Debt/EBITDA ratio is 5.3x, indicating high leverage. A ratio above 4x may signal elevated financial risk.