JCAP (Jefferson Capital) Debt-to-Asset : 0.68 (As of Jun. 2026)

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JCAP Jefferson Capital Inc JCAP
17 GF Score
Price $22.27
! 6 Warning Signs
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What is Jefferson Capital Debt-to-Asset?

Jefferson Capital JCAP -4.87% 17 Debt-to-Asset is 0.68 as of Jun. 2026. GuruFocus rates JCAP with a GF Score™ of 17/100. The stock has 6 warning signs investors should review.

Jefferson Capital's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $225.9 Mil. Jefferson Capital's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $1,179.9 Mil. Jefferson Capital's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Jun. 2026 was $2,083.8 Mil. Jefferson Capital's debt to asset for the quarter that ended in Jun. 2026 was 0.67.

Jefferson Capital  (NAS:JCAP) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

Jefferson Capital Debt-to-Asset Related Terms

Jefferson Capital Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for Jefferson Capital's Debt-to-Asset 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.

Jefferson Capital Debt-to-Asset Chart

Jefferson Capital Annual Data
Trend Dec23 Dec24 Dec25
Debt-to-Asset
0.69 0.72 0.68

Jefferson Capital Quarterly Data
Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only 0.67 0.66 0.68 0.69 0.68

JCAP vs LU, FINV, WRLD: Debt-to-Asset Comparison

For the Credit Services subindustry, Jefferson Capital's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset 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 Debt-to-Asset vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Jefferson Capital's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where Jefferson Capital's Debt-to-Asset falls into.


JCAP
17GF Score
Jefferson Capital Inc JCAP
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Jefferson Capital Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Jefferson Capital's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(231.584 + 1177.456) / 2087.373
=0.68

Jefferson Capital's Debt-to-Asset for the quarter that ended in Jun. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(225.938 + 1179.856) / 2083.808
=0.67

* 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.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.68 mean?
Jefferson Capital (JCAP) has a Debt-to-Asset of 0.68 as of Jun. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Jefferson Capital and its competitors.
Is Jefferson Capital's Debt-to-Asset too high?
Jefferson Capital's current Debt-to-Asset is 0.68. 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 Debt-to-Asset compare to LU and FINV?
Jefferson Capital's Debt-to-Asset of 0.68 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for a Credit Services company?
A good Debt-to-Asset depends on the Credit Services industry context. However, Debt-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Jefferson Capital and its competitors. Jefferson Capital's current Debt-to-Asset is 0.68. 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 Debt-to-Asset of 0.68. The current Debt-to-Asset is 0.68. Jefferson Capital's overall GF Score™ is 17/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Jefferson Capital (JCAP), the current Debt-to-Asset is 0.68 as of Jun. 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 Business Description

Address 600 South Highway 169, Suite 1575, Minneapolis, MN, USA, 55426
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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Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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