Jefferson CapitalJCAP +1.98%17 EBITDA Margin % is 29.53% as of Mar. 2026, which is 18% below its 10-year median of 36.23. GuruFocus rates JCAP with a GF Score™ of 17/100. The stock has 2 warning signs investors should review. Among 414 Credit Services companies, Jefferson Capital ranks better than 64.49% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. Jefferson Capital's EBITDA for the
three
months ended in Mar. 2026 was $52.1 Mil. Jefferson Capital's Revenue for the
three
months ended in Mar. 2026 was $176.4 Mil. Therefore, Jefferson Capital's EBITDA margin for the quarter that ended in Mar. 2026 was 29.53%.
Jefferson Capital (NAS:JCAP) EBITDA Margin % Explanation
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Jefferson Capital EBITDA Margin % Related Terms
Jefferson Capital EBITDA Margin % Historical Data
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The historical data trend for Jefferson Capital's EBITDA Margin % 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: EBITDA Margin % Comparison
For the Credit Services subindustry, Jefferson Capital's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jefferson Capital's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Jefferson Capital's EBITDA Margin % 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 EBITDA Margin % of 29.53% as of Mar. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Jefferson Capital and its competitors. This is 18% below median its historical median of 36.23. Over the past decade, Jefferson Capital's EBITDA Margin % has ranged from 32.43 to 37.52. According to the industry distribution chart, Jefferson Capital ranks #147 out of 414 companies in the Credit Services industry, placing it in the top 35.5%.
Is Jefferson Capital's EBITDA Margin % too high?
Jefferson Capital's current EBITDA Margin % of 29.53% is 18% below median its 10-year median of 36.23. Over the past 10 years, this metric has ranged from a low of 32.43 to a high of 37.52. The Credit Services industry median EBITDA Margin % is 20.91. Jefferson Capital's value of 29.53% is 41.2% above this industry median. Based on the distribution chart, Jefferson Capital ranks #147 out of 414 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 EBITDA Margin % compare to NAVI and WRLD?
According to the Credit Services industry distribution chart, Jefferson Capital ranks #147 out of 414 companies for EBITDA Margin %. This puts Jefferson Capital in the upper half of its industry. The industry median EBITDA Margin % is 20.91. Jefferson Capital's value of 29.53% is 41.2% above this benchmark. Historically, Jefferson Capital's own EBITDA Margin % has ranged from 32.43 to 37.52 over the past decade. While the company's 10-year median is 36.23 vs. the industry median of 20.91, 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 EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 20.91, based on 414 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jefferson Capital's current EBITDA Margin % of 29.53% is 41.2% 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Jefferson Capital and its competitors. For the Credit Services industry, the median EBITDA Margin % is 20.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jefferson Capital's current EBITDA Margin % is 29.53%, which is 18% below median its own 10-year median of 36.23. 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 EBITDA Margin % of 29.53%. The current EBITDA Margin % is 29.53%, which is 18% below median its 10-year median of 36.23 and 41.2% above the Credit Services industry median of 20.91. 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 EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Jefferson Capital (JCAP), the current EBITDA Margin % is 29.53% 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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