Last 25 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 6.5x.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q2 '20 | Q1 '20 | Q4 '19 | Q3 '19 | Q2 '19 | Q1 '19 | Q4 '18 | Q3 '18 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.40 | 6.54 | 5.64 | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| P/S Ratio | 2.78 | 0.59 | 0.09 | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| P/B Ratio | 3.14 | 0.81 | 0.13 | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| P/FCF | 7.42 | 1.40 | 0.17 | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| EV / EBITDA | 10.40 | 5.25 | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | |
| EV / EBIT | 10.72 | 8.31 | 4.88 | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Jefferson Capital, Inc. Common Stock's operating margin was 46.4% in Q3 2025, up 103.2 pp QoQ and up 35.6 pp YoY. The trailing four-quarter average of 23.1% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin contracted 14.0% YoY, suggesting cost inflation or competitive pricing pressure.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q2 '20 | Q1 '20 | Q4 '19 | Q3 '19 | Q2 '19 | Q1 '19 | Q4 '18 | Q3 '18 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 71.2% | 66.6% | 79.0% | 75.0% | 69.0% | 77.5% | 82.5% | 88.0% | 91.9% | 92.7% | 92.3% | 94.7% | 94.8% |
| — | -14.0% | -4.2% | -14.7% | -24.9% | -16.4% | -10.6% | -7.1% | -3.0% | -1.5% | -1.9% | -3.2% | -1.9% | |
| Operating Margin | 50.8% | 46.4% | -56.7% | 57.7% | 45.2% | 10.8% | 17.7% | 14.1% | 43.7% | 41.7% | 43.8% | 39.3% | 45.8% |
| — | +330.3% | -420.3% | +309.1% | +3.5% | -74.1% | -59.5% | -64.2% | -4.6% | +30.2% | +188.7% | +52.7% | +135.8% | |
| Net Margin | 24.3% | 25.4% | 31.2% | 32.7% | 2.8% | -2.9% | -451.7% | 53.3% | 89.4% | 137.3% | 122.6% | 230.2% | 175.6% |
| — | +970.1% | +106.9% | -38.6% | -96.8% | -102.1% | -468.5% | -76.8% | -49.1% | -7.9% | +19.4% | +189.5% | +32.4% |
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q2 '20 | Q1 '20 | Q4 '19 | Q3 '19 | Q2 '19 | Q1 '19 | Q4 '18 | Q3 '18 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 32.0% | 9.0% | 12.2% | 13.4% | 0.7% | -0.1% | -9.3% | 1.1% | 1.9% | 2.6% | 2.2% | 4.2% | 3.2% |
| — | +14596.3% | +231.1% | +1122.2% | -61.0% | -102.4% | -521.1% | -73.8% | -41.1% | +4.8% | +39.6% | +289.4% | +96.0% | |
| ROA | 7.6% | 2.1% | 2.7% | 3.0% | 0.3% | -0.0% | -6.4% | 0.8% | 1.5% | 2.2% | 2.0% | 3.9% | 3.0% |
| — | +5499.0% | +142.8% | +270.0% | -82.0% | -101.8% | -421.9% | -79.0% | -50.6% | -4.3% | +35.6% | +271.9% | +98.0% | |
| ROIC | 12.6% | 3.3% | -4.1% | 4.2% | 3.4% | 0.1% | 0.2% | 0.2% | 0.6% | 0.5% | 0.5% | 0.5% | 0.6% |
| — | +2668.2% | -2181.0% | +2459.6% | +504.9% | -77.4% | -64.1% | -67.7% | -7.7% | +34.8% | +227.8% | +96.8% | +253.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Jefferson Capital, Inc. Common Stock's Debt/EBITDA ratio is 16.6x — elevated, raising questions about debt serviceability. The current ratio has improved 1716.4% YoY to 21.63x, strengthening the short-term liquidity position. Debt/Equity has declined for 3 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q2 '20 | Q1 '20 | Q4 '19 | Q3 '19 | Q2 '19 | Q1 '19 | Q4 '18 | Q3 '18 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 3.12 | 2.71 | 2.89 | 3.23 | 3.12 | 0.50 | 0.43 | 0.34 | 0.28 | 0.16 | 0.11 | 0.04 | 0.05 |
| — | +443.6% | +566.4% | +838.8% | +1010.7% | +203.3% | +294.5% | +666.7% | +489.8% | — | +33.4% | +1813.0% | +1868.4% | |
| Debt / EBITDA | 5.26 | 16.63 | — | 13.12 | 20.26 | 48.44 | 42.10 | 45.74 | 24.59 | 17.19 | 11.30 | 5.13 | 4.88 |
| — | -65.7% | — | -71.3% | -17.6% | +181.7% | +272.4% | +791.5% | +403.6% | — | -44.5% | +806.0% | +514.0% | |
| Current Ratio | 20.16 | 21.63 | 22.11 | 27.39 | 20.16 | 1.19 | 0.84 | 0.79 | 0.91 | 0.70 | 0.83 | 0.96 | 3.18 |
| — | +1716.4% | +2535.2% | +3374.5% | +2114.9% | +70.2% | +0.9% | -18.0% | -71.4% | -78.1% | -52.5% | -85.8% | -61.1% | |
| Quick Ratio | 20.16 | 21.63 | 22.11 | 27.39 | 20.16 | 1.19 | 0.84 | 0.79 | 0.91 | 0.70 | 0.83 | 0.96 | 3.18 |
| — | +1716.4% | +2535.2% | +3374.5% | +2114.9% | +70.2% | +0.9% | -18.0% | -71.4% | -78.1% | -52.5% | -85.8% | -61.1% | |
| Interest Coverage | — | 0.00 | — | — | — | 0.41 | 0.65 | 0.58 | 2.10 | 2.54 | 3.57 | 6.00 | 8.92 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 25 years · Updated daily
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Start ComparisonJefferson Capital, Inc. Common Stock's current P/E is 11.4x. The average P/E over the last 2 quarters is 6.1x. 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 50.8%. Margins have been expanding 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.