Jefferson CapitalJCAP +1.92%17 Current Ratio is 5.81 as of Mar. 2026, which is 73% below its 10-year median of 21.63. GuruFocus rates JCAP with a GF Score™ of 17/100. The stock has 2 warning signs investors should review. Among 394 Credit Services companies, Jefferson Capital ranks better than 51.27% on this metric.
The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. Jefferson Capital's current ratio for the quarter that ended in Mar. 2026 was 5.81.
Jefferson Capital has a current ratio of 5.81. It indicates the company may not be efficiently using its current assets or its short-term financing facilities. This may also indicate problems in working capital management.
The historical rank and industry rank for Jefferson Capital's Current Ratio or its related term are showing as below:
JCAP'
s Current Ratio Range Over the Past 10 Years
Min: 2.72 Med: 21.63 Max: 27.39
Current: 5.81
During the past 3 years, Jefferson Capital's highest Current Ratio was 27.39. The lowest was 2.72. And the median was 21.63.
JCAP's Current Ratio is ranked better than 51.27% of 394
companies
in the Credit Services industry
Industry Median: 5.055
vs JCAP: 5.81
Jefferson Capital (NAS:JCAP) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
Jefferson Capital Current Ratio Related Terms
Jefferson Capital Current Ratio Historical Data
* Premium members only.
The historical data trend for Jefferson Capital's Current Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
JCAP vs NAVI, WRLD, GDOT: Current Ratio Comparison
For the Credit Services subindustry, Jefferson Capital's Current Ratio, along with its competitors' market caps and Current Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Jefferson Capital Current Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jefferson Capital's Current Ratio distribution charts can be found below:
* The bar in red indicates where Jefferson Capital's Current Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Jefferson Capital (JCAP) has a Current Ratio of 5.81 as of Mar. 2026. This is 73% below median its historical median of 21.63. Over the past decade, Jefferson Capital's Current Ratio has ranged from 2.72 to 27.39. According to the industry distribution chart, Jefferson Capital ranks #192 out of 394 companies in the Credit Services industry, placing it in the top 48.7%.
Is Jefferson Capital's Current Ratio too high?
Jefferson Capital's current Current Ratio of 5.81 is 73% below median its 10-year median of 21.63. Over the past 10 years, this metric has ranged from a low of 2.72 to a high of 27.39. The Credit Services industry median Current Ratio is 5.06. Jefferson Capital's value of 5.81 is 14.9% above this industry median. Based on the distribution chart, Jefferson Capital ranks #192 out of 394 companies in the Credit Services industry, which is above the industry midpoint. Overall, Jefferson Capital has a GF Score™ of 17/100, reflecting its overall financial health beyond just this single metric.
How does Jefferson Capital's Current Ratio compare to NAVI and WRLD?
According to the Credit Services industry distribution chart, Jefferson Capital ranks #192 out of 394 companies for Current Ratio. This puts Jefferson Capital in the upper half of its industry. The industry median Current Ratio is 5.06. Jefferson Capital's value of 5.81 is 14.9% above this benchmark. Historically, Jefferson Capital's own Current Ratio has ranged from 2.72 to 27.39 over the past decade. While the company's 10-year median is 21.63 vs. the industry median of 5.06, Jefferson Capital has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Current Ratio for a Credit Services company?
The median Current Ratio among Credit Services companies is 5.06, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jefferson Capital's current Current Ratio of 5.81 is 14.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Current Ratio is 5.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jefferson Capital's current Current Ratio is 5.81, which is 73% below median its own 10-year median of 21.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jefferson Capital stock overvalued right now?
Jefferson Capital (JCAP) has a current Current Ratio of 5.81. The current Current Ratio is 5.81, which is 73% below median its 10-year median of 21.63 and 14.9% above the Credit Services industry median of 5.06. Jefferson Capital's overall GF Score™ is 17/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For Jefferson Capital (JCAP), the current Current Ratio is 5.81 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Jefferson Capital Inc and its subsidiaries operate in the United States, Canada, the United Kingdom, and Latin America, providing debt recovery solutions across a broad range of consumer receivables, including credit card, automotive, utilities, telecom, and other accounts. The Company mainly purchases portfolios of consumer receivables from independent third parties at deep discounts to face value and manages these portfolios by working with individuals as obligations are repaid and financial recovery is achieved, including accounts subject to bankruptcy proceedings. In addition, the Company provides debt servicing and portfolio management services to credit originators for non-performing loans and generates revenue through credit card acquisition programs.
17GF Score
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