JCAP (Jefferson Capital) EBIT: $201.3 Mil (TTM As of Mar. 2026)


JCAP Jefferson Capital Inc JCAP
17 GF Score
Price $18.58
! 2 Warning Signs
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What is Jefferson Capital EBIT?

Jefferson Capital JCAP +1.98% 17 EBIT is $201.3 Mil as of Mar. 2026. GuruFocus rates JCAP with a GF Score™ of 17/100. The stock has 2 warning signs investors should review.

Jefferson Capital's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2026 was $51.2 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was $201.3 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Jefferson Capital's annualized ROC % for the quarter that ended in Mar. 2026 was 7.68%. Jefferson Capital's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 12,867.32%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Jefferson Capital's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 8.25%.

Jefferson Capital  (NAS:JCAP) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Jefferson Capital's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=204.912 * ( 1 - 26.29% )/( (1968.079 + 1967.024)/ 2 )
=151.0406352/1967.5515
=7.68 %

where

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=2087.373 - 96.063 - ( 23.231 - max(0, 327.647 - 2004.85+23.231))
=1968.079

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=2084.105 - 90.832 - ( 26.249 - max(0, 345.056 - 2004.915+26.249))
=1967.024

Note: The Operating Income data used here is four times the quarterly (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

Jefferson Capital's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Mar. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Dec. 2025  Q: Mar. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=204.912/( ( (1.695 + max(-43.186, 0)) + (1.49 + max(-41.235, 0)) )/ 2 )
=204.912/( ( 1.695 + 1.49 )/ 2 )
=204.912/1.5925
=12,867.32 %

where Working Capital is:

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(28.557 + 0 + 24.32) - (96.063 + 0 + 0)
=-43.186

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(30.238 + 0 + 19.359) - (90.832 + 0 + 0)
=-41.235

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Jefferson Capital's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=201.306/2440.637
=8.25 %

* 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 EBIT Related Terms

Jefferson Capital EBIT Historical Data

* Premium members only.

The historical data trend for Jefferson Capital's EBIT 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 EBIT Chart

Jefferson Capital Annual Data
Trend Dec23 Dec24 Dec25
EBIT
118.85 147.27 216.94

Jefferson Capital Quarterly Data
Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EBIT Get a 7-Day Free Trial Premium Member Only Premium Member Only 65.56 60.86 45.10 44.12 51.23

JCAP vs NAVI, WRLD, GDOT: EBIT Comparison

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

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

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


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

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $201.3 Mil.

* 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 EBIT →
What does a EBIT of $201.3 Mil mean?
Jefferson Capital (JCAP) has a EBIT of $201.3 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Jefferson Capital.
Is Jefferson Capital's EBIT too high?
Jefferson Capital's current EBIT is $201.3 Mil. 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 EBIT compare to NAVI and WRLD?
Jefferson Capital's EBIT of $201.3 Mil 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 EBIT for a Credit Services company?
A good EBIT depends on the Credit Services industry context. However, EBIT 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 EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Jefferson Capital. Jefferson Capital's current EBIT is $201.3 Mil. 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 EBIT of $201.3 Mil. The current EBIT is $201.3 Mil. 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 EBIT calculated?
EBIT is calculated from a company's financial statements. For Jefferson Capital (JCAP), the current EBIT is $201.3 Mil 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 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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EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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