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Jefferson CapitalJCAP -0.66%17 EV-to-EBIT is 12.99 as of Jul. 19, 2026, which is 10% above its 10-year median of 11.79. GuruFocus rates JCAP with a GF Score™ of 17/100. The stock has 2 warning signs investors should review. Among 312 Credit Services companies, Jefferson Capital ranks better than 68.91% on this metric.
Jefferson Capital (NAS:JCAP) EV-to-EBIT Explanation
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
Jefferson Capital's Enterprise Value for the quarter that ended in Mar. 2026 was $2,475.8 Mil.
Jefferson Capital's 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.
Jefferson Capital EV-to-EBIT Related Terms
Jefferson Capital EV-to-EBIT Historical Data
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The historical data trend for Jefferson Capital's EV-to-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.
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.
Jefferson Capital's current Enterprise Value is $2,614.9 Mil.
Jefferson Capital's 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.
Jefferson Capital (JCAP) has a EV-to-EBIT of 12.99 as of Jul. 19, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Jefferson Capital and its competitors. This is 10% above median its historical median of 11.79. Over the past decade, Jefferson Capital's EV-to-EBIT has ranged from 5.90 to 12.99. According to the industry distribution chart, Jefferson Capital ranks #97 out of 312 companies in the Credit Services industry, placing it in the top 31.1%.
Is Jefferson Capital's EV-to-EBIT too high?
Jefferson Capital's current EV-to-EBIT of 12.99 is 10% above median its 10-year median of 11.79. Over the past 10 years, this metric has ranged from a low of 5.90 to a high of 12.99. The Credit Services industry median EV-to-EBIT is 23.66. Jefferson Capital's value of 12.99 is 45.1% below this industry median. Based on the distribution chart, Jefferson Capital ranks #97 out of 312 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 EV-to-EBIT compare to LU and WRLD?
According to the Credit Services industry distribution chart, Jefferson Capital ranks #97 out of 312 companies for EV-to-EBIT. This puts Jefferson Capital in the upper half of its industry. The industry median EV-to-EBIT is 23.66. Jefferson Capital's value of 12.99 is 45.1% below this benchmark. Historically, Jefferson Capital's own EV-to-EBIT has ranged from 5.90 to 12.99 over the past decade. While the company's 10-year median is 11.79 vs. the industry median of 23.66, 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 EV-to-EBIT for a Credit Services company?
The median EV-to-EBIT among Credit Services companies is 23.66, based on 312 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jefferson Capital's current EV-to-EBIT of 12.99 is 45.1% 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Jefferson Capital and its competitors. For the Credit Services industry, the median EV-to-EBIT is 23.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jefferson Capital's current EV-to-EBIT is 12.99, which is 10% above median its own 10-year median of 11.79. 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 EV-to-EBIT of 12.99. The current EV-to-EBIT is 12.99, which is 10% above median its 10-year median of 11.79 and 45.1% below the Credit Services industry median of 23.66. 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 EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For Jefferson Capital (JCAP), the current EV-to-EBIT is 12.99 as of Jul. 19, 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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