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Jefferson CapitalJCAP +1.31%17 EV-to-FCF is 10.17 as of Jul. 21, 2026, which is 10% above its 10-year median of 9.27. GuruFocus rates JCAP with a GF Score™ of 17/100. The stock has 2 warning signs investors should review. Among 266 Credit Services companies, Jefferson Capital ranks better than 57.14% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Jefferson Capital's Enterprise Value is $2,600.7 Mil.
Jefferson Capital's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $255.8 Mil. Therefore, Jefferson Capital's EV-to-FCF for today is 10.17.
The historical rank and industry rank for Jefferson Capital's EV-to-FCF or its related term are showing as below:
JCAP'
s EV-to-FCF Range Over the Past 10 Years
Min: 5.64 Med: 9.27 Max: 12.83
Current: 10.17
During the past 3 years, the highest EV-to-FCF of Jefferson Capital was 12.83. The lowest was 5.64. And the median was 9.27.
JCAP's EV-to-FCF is ranked better than 57.14% of 266
companies
in the Credit Services industry
Industry Median: 13.625
vs JCAP: 10.17
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Jefferson Capital (NAS:JCAP) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Jefferson Capital's PE Ratio (TTM) for today is calculated as:
Jefferson Capital's share price for today is $19.315.
Jefferson Capital's Earnings per Share (Diluted) 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 $18.540.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Jefferson Capital EV-to-FCF Related Terms
Jefferson Capital EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Jefferson Capital's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jefferson Capital's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Jefferson Capital's EV-to-FCF falls into.
Jefferson Capital's current Enterprise Value is $2,600.7 Mil.
Jefferson Capital's Free Cash Flow 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 $255.8 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-FCF of 10.17 as of Jul. 21, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Jefferson Capital and its competitors. This is 10% above median its historical median of 9.27. Over the past decade, Jefferson Capital's EV-to-FCF has ranged from 5.64 to 12.83. According to the industry distribution chart, Jefferson Capital ranks #114 out of 266 companies in the Credit Services industry, placing it in the top 42.9%.
Is Jefferson Capital's EV-to-FCF too high?
Jefferson Capital's current EV-to-FCF of 10.17 is 10% above median its 10-year median of 9.27. Over the past 10 years, this metric has ranged from a low of 5.64 to a high of 12.83. The Credit Services industry median EV-to-FCF is 13.63. Jefferson Capital's value of 10.17 is 25.4% below this industry median. Based on the distribution chart, Jefferson Capital ranks #114 out of 266 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-FCF compare to LU and WRLD?
According to the Credit Services industry distribution chart, Jefferson Capital ranks #114 out of 266 companies for EV-to-FCF. This puts Jefferson Capital in the upper half of its industry. The industry median EV-to-FCF is 13.63. Jefferson Capital's value of 10.17 is 25.4% below this benchmark. Historically, Jefferson Capital's own EV-to-FCF has ranged from 5.64 to 12.83 over the past decade. While the company's 10-year median is 9.27 vs. the industry median of 13.63, 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-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.63, based on 266 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jefferson Capital's current EV-to-FCF of 10.17 is 25.4% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Jefferson Capital and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jefferson Capital's current EV-to-FCF is 10.17, which is 10% above median its own 10-year median of 9.27. 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-FCF of 10.17. The current EV-to-FCF is 10.17, which is 10% above median its 10-year median of 9.27 and 25.4% below the Credit Services industry median of 13.63. 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Jefferson Capital (JCAP), the current EV-to-FCF is 10.17 as of Jul. 21, 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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