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Jefferson CapitalJCAP +2.03%17 Debt-to-EBITDA is 6.90 as of Mar. 2026, which is 8% above its 10-year median of 6.36. GuruFocus rates JCAP with a GF Score™ of 17/100. The stock has 2 warning signs investors should review. Among 282 Credit Services companies, Jefferson Capital ranks better than 56.38% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Jefferson Capital's Debt-to-EBITDA or its related term are showing as below:
JCAP'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 6.34 Med: 6.36 Max: 7.97
Current: 6.98
During the past 3 years, the highest Debt-to-EBITDA Ratio of Jefferson Capital was 7.97. The lowest was 6.34. And the median was 6.36.
JCAP's Debt-to-EBITDA is ranked better than 56.38% of 282
companies
in the Credit Services industry
Industry Median: 9.3
vs JCAP: 6.98
Jefferson Capital (NAS:JCAP) Debt-to-EBITDA Explanation
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Jefferson Capital Debt-to-EBITDA Related Terms
Jefferson Capital Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Jefferson Capital's Debt-to-EBITDA 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 Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jefferson Capital's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Jefferson Capital's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Jefferson Capital (JCAP) has a Debt-to-EBITDA of 6.90 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Jefferson Capital. This is near median its historical median of 6.36. Over the past decade, Jefferson Capital's Debt-to-EBITDA has ranged from 6.34 to 7.97. According to the industry distribution chart, Jefferson Capital ranks #123 out of 282 companies in the Credit Services industry, placing it in the top 43.6%.
Is Jefferson Capital's Debt-to-EBITDA too high?
Jefferson Capital's current Debt-to-EBITDA of 6.90 is near median its 10-year median of 6.36. Over the past 10 years, this metric has ranged from a low of 6.34 to a high of 7.97. The Credit Services industry median Debt-to-EBITDA is 9.30. Jefferson Capital's value of 6.90 is 25.8% below this industry median. Based on the distribution chart, Jefferson Capital ranks #123 out of 282 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 Debt-to-EBITDA compare to LU and WRLD?
According to the Credit Services industry distribution chart, Jefferson Capital ranks #123 out of 282 companies for Debt-to-EBITDA. This puts Jefferson Capital in the upper half of its industry. The industry median Debt-to-EBITDA is 9.30. Jefferson Capital's value of 6.90 is 25.8% below this benchmark. Historically, Jefferson Capital's own Debt-to-EBITDA has ranged from 6.34 to 7.97 over the past decade. While the company's 10-year median is 6.36 vs. the industry median of 9.30, Jefferson Capital has consistently been below 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 Debt-to-EBITDA for a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.30, based on 282 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jefferson Capital's current Debt-to-EBITDA of 6.90 is 25.8% below 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Jefferson Capital. For the Credit Services industry, the median Debt-to-EBITDA is 9.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jefferson Capital's current Debt-to-EBITDA is 6.90, which is near median its own 10-year median of 6.36. 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-EBITDA of 6.90. The current Debt-to-EBITDA is 6.90, which is near median its 10-year median of 6.36 and 25.8% below the Credit Services industry median of 9.30. 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 Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Jefferson Capital (JCAP), the current Debt-to-EBITDA is 6.90 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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