Jefferson CapitalJCAP +1.81%17 Days Payable is 164.60 as of Mar. 2026, which is 1% below its 10-year median of 167.02. GuruFocus rates JCAP with a GF Score™ of 17/100. The stock has 2 warning signs investors should review. Among 302 Credit Services companies, Jefferson Capital ranks better than 78.48% on this metric.
The historical rank and industry rank for Jefferson Capital's Days Payable or its related term are showing as below:
JCAP'
s Days Payable Range Over the Past 10 Years
Min: 81.29 Med: 167.02 Max: 183.65
Current: 162.49
During the past 3 years, Jefferson Capital's highest Days Payable was 183.65. The lowest was 81.29. And the median was 167.02.
JCAP's Days Payable is ranked better than 78.48% of 302
companies
in the Credit Services industry
Industry Median: 33.405
vs JCAP: 162.49
Jefferson Capital's Days Payable
increased
from Mar. 2025 (155.64) to Mar. 2026 (164.60).
It may suggest that Jefferson Capitaldelayed paying its suppliers.
Jefferson Capital Days Payable Related Terms
Jefferson Capital Days Payable Historical Data
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The historical data trend for Jefferson Capital's Days Payable 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.
For the Credit Services subindustry, Jefferson Capital's Days Payable, along with its competitors' market caps and Days Payable 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 Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jefferson Capital's Days Payable distribution charts can be found below:
* The bar in red indicates where Jefferson Capital's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
Jefferson Capital's Days Payable for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Days Payable of 164.60 as of Mar. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Jefferson Capital and its competitors. This is near median its historical median of 167.02. Over the past decade, Jefferson Capital's Days Payable has ranged from 81.29 to 183.65. According to the industry distribution chart, Jefferson Capital ranks #65 out of 302 companies in the Credit Services industry, placing it in the top 21.5%.
Is Jefferson Capital's Days Payable too high?
Jefferson Capital's current Days Payable of 164.60 is near median its 10-year median of 167.02. Over the past 10 years, this metric has ranged from a low of 81.29 to a high of 183.65. The Credit Services industry median Days Payable is 33.41. Jefferson Capital's value of 164.60 is 392.7% above this industry median. Based on the distribution chart, Jefferson Capital ranks #65 out of 302 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 Days Payable compare to NAVI and WRLD?
According to the Credit Services industry distribution chart, Jefferson Capital ranks #65 out of 302 companies for Days Payable. This places Jefferson Capital in the top 22% of its industry — outperforming the majority of peers. The industry median Days Payable is 33.41. Jefferson Capital's value of 164.60 is 392.7% above this benchmark. Historically, Jefferson Capital's own Days Payable has ranged from 81.29 to 183.65 over the past decade. While the company's 10-year median is 167.02 vs. the industry median of 33.41, 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 Days Payable for a Credit Services company?
The median Days Payable among Credit Services companies is 33.41, based on 302 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jefferson Capital's current Days Payable of 164.60 is 392.7% 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 Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Jefferson Capital and its competitors. For the Credit Services industry, the median Days Payable is 33.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jefferson Capital's current Days Payable is 164.60, which is near median its own 10-year median of 167.02. 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 Days Payable of 164.60. The current Days Payable is 164.60, which is near median its 10-year median of 167.02 and 392.7% above the Credit Services industry median of 33.41. 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 Days Payable calculated?
Days Payable is calculated from a company's financial statements. For Jefferson Capital (JCAP), the current Days Payable is 164.60 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.
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