Last 26 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Jefferson Capital, Inc. Common Stock's quarterly P/E stands at 7.1x.
| Metric | TTM | Q1 '26 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q2 '20 | Q1 '20 | Q4 '19 | Q3 '19 | Q2 '19 | Q1 '19 | Q4 '18 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 2.80 | 7.07 | 6.54 | 0.28 | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| P/S Ratio | 1.58 | 1.51 | 0.59 | 0.09 | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| P/B Ratio | 1.10 | 2.41 | 0.81 | 0.13 | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| P/FCF | 3.62 | 6.74 | 1.40 | 0.17 | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| EV / EBITDA | 8.19 | 7.64 | 5.25 | 3.38 | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| EV / EBIT | 8.33 | 7.58 | 8.31 | 3.38 | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Jefferson Capital, Inc. Common Stock's operating margin was 45.4% in Q1 2026, down 1.0 pp QoQ and up 0.2 pp YoY. This marks the 4th consecutive quarter of margin compression, signaling a persistent pressure on profitability that investors should monitor. The trailing four-quarter average of 51.6% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin contracted 10.4% YoY, suggesting cost inflation or competitive pricing pressure.
| Metric | TTM | Q1 '26 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q2 '20 | Q1 '20 | Q4 '19 | Q3 '19 | Q2 '19 | Q1 '19 | Q4 '18 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 67.8% | 61.8% | 66.6% | 69.8% | 75.0% | 69.0% | 77.5% | 82.5% | 88.0% | 91.9% | 92.7% | 92.3% | 94.7% |
| — | -10.4% | -14.0% | -15.3% | -14.7% | -24.9% | -16.4% | -10.6% | -7.1% | -3.0% | -1.5% | -1.9% | -3.2% | |
| Operating Margin | 51.6% | 45.4% | 46.4% | 56.7% | 57.7% | 45.2% | 10.8% | 17.7% | 14.1% | 43.7% | 41.7% | 43.8% | 39.3% |
| — | +0.5% | +330.3% | +220.3% | +309.1% | +3.5% | -74.1% | -59.5% | -64.2% | -4.6% | +30.2% | +188.7% | +52.7% | |
| Net Margin | 30.6% | 21.3% | 25.4% | 31.2% | 32.7% | 2.8% | -2.9% | -451.7% | 53.3% | 89.4% | 137.3% | 122.6% | 230.2% |
| — | +654.4% | +970.1% | +106.9% | -38.6% | -96.8% | -102.1% | -468.5% | -76.8% | -49.1% | -7.9% | +19.4% | +189.5% |
| Metric | TTM | Q1 '26 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q2 '20 | Q1 '20 | Q4 '19 | Q3 '19 | Q2 '19 | Q1 '19 | Q4 '18 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 43.8% | 8.6% | 9.0% | 12.2% | 13.4% | 0.7% | -0.1% | -9.3% | 1.1% | 1.9% | 2.6% | 2.2% | 4.2% |
| — | +1076.0% | +14596.3% | +231.1% | +1122.2% | -61.0% | -102.4% | -521.1% | -73.8% | -41.1% | +4.8% | +39.6% | +289.4% | |
| ROA | 10.0% | 1.9% | 2.1% | 2.7% | 3.0% | 0.3% | -0.0% | -6.4% | 0.8% | 1.5% | 2.2% | 2.0% | 3.9% |
| — | +627.4% | +5499.0% | +142.8% | +270.0% | -82.0% | -101.8% | -421.9% | -79.0% | -50.6% | -4.3% | +35.6% | +271.9% | |
| ROIC | 12.6% | 3.4% | 3.3% | 4.1% | 4.2% | 3.4% | 0.1% | 0.2% | 0.2% | 0.6% | 0.5% | 0.5% | 0.5% |
| — | +1.8% | +2668.2% | +1981.0% | +2459.6% | +504.9% | -77.4% | -64.1% | -67.7% | -7.7% | +34.8% | +227.8% | +96.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Jefferson Capital, Inc. Common Stock's Debt/EBITDA ratio is 17.7x, up from 16.6x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 99.3% YoY to 0.14x, tightening the short-term liquidity position.
| Metric | TTM | Q1 '26 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q2 '20 | Q1 '20 | Q4 '19 | Q3 '19 | Q2 '19 | Q1 '19 | Q4 '18 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 3.60 | 3.24 | 2.71 | 2.89 | 3.23 | 3.12 | 0.50 | 0.43 | 0.34 | 0.28 | 0.16 | 0.11 | 0.04 |
| — | +3.6% | +443.6% | +566.4% | +838.8% | +1010.7% | +203.3% | +294.5% | +666.7% | +489.8% | — | +33.4% | +1813.0% | |
| Debt / EBITDA | 5.32 | 17.68 | 16.63 | 13.50 | 13.12 | 20.26 | 48.44 | 42.10 | 45.74 | 24.59 | 17.19 | 11.30 | 5.13 |
| — | -12.7% | -65.7% | -67.9% | -71.3% | -17.6% | +181.7% | +272.4% | +791.5% | +403.6% | — | -44.5% | +806.0% | |
| Current Ratio | 0.20 | 0.14 | 21.63 | 22.11 | 27.39 | 20.16 | 1.19 | 0.84 | 0.79 | 0.91 | 0.70 | 0.83 | 0.96 |
| — | -99.3% | +1716.4% | +2535.2% | +3374.5% | +2114.9% | +70.2% | +0.9% | -18.0% | -71.4% | -78.1% | -52.5% | -85.8% | |
| Quick Ratio | 0.20 | 0.14 | 21.63 | 22.11 | 27.39 | 20.16 | 1.19 | 0.84 | 0.79 | 0.91 | 0.70 | 0.83 | 0.96 |
| — | -99.3% | +1716.4% | +2535.2% | +3374.5% | +2114.9% | +70.2% | +0.9% | -18.0% | -71.4% | -78.1% | -52.5% | -85.8% | |
| Interest Coverage | 3.06 | 2.67 | 0.00 | 3.40 | — | — | 0.68 | -16.06 | 3.18 | 5.30 | 9.38 | 10.99 | 36.10 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 26 years · Updated daily
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Quick answers to the most common questions about buying JCAP stock.
Jefferson Capital, Inc. Common Stock's current P/E is 2.8x. The average P/E over the last 3 quarters is 4.6x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Jefferson Capital, Inc. Common Stock's current operating margin is 51.6%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Jefferson Capital, Inc. Common Stock's business trajectory between earnings reports.