Jefferson CapitalJCAP +1.98%17 FCF Margin % is 22.47% as of Mar. 2026, which is 40% below its 10-year median of 37.38. GuruFocus rates JCAP with a GF Score™ of 17/100. The stock has 2 warning signs investors should review. Among 531 Credit Services companies, Jefferson Capital ranks better than 74.95% on this metric.
The historical rank and industry rank for Jefferson Capital's FCF Margin % or its related term are showing as below:
JCAP'
s FCF Margin % Range Over the Past 10 Years
Min: 36.83 Med: 37.38 Max: 43.65
Current: 40.3
During the past 3 years, the highest FCF Margin % of Jefferson Capital was 43.65%. The lowest was 36.83%. And the median was 37.38%.
JCAP's FCF Margin % is ranked better than 74.95% of 531
companies
in the Credit Services industry
Industry Median: 0.24
vs JCAP: 40.30
Jefferson Capital FCF Margin % Related Terms
Jefferson Capital FCF Margin % Historical Data
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The historical data trend for Jefferson Capital's FCF 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.
For the Credit Services subindustry, Jefferson Capital's FCF Margin %, along with its competitors' market caps and FCF 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 FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jefferson Capital's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Jefferson Capital's FCF 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 FCF Margin % of 22.47% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Jefferson Capital and its competitors. This is 40% below median its historical median of 37.38. Over the past decade, Jefferson Capital's FCF Margin % has ranged from 36.83 to 43.65. According to the industry distribution chart, Jefferson Capital ranks #133 out of 531 companies in the Credit Services industry, placing it in the top 25%.
Is Jefferson Capital's FCF Margin % too high?
Jefferson Capital's current FCF Margin % of 22.47% is 40% below median its 10-year median of 37.38. Over the past 10 years, this metric has ranged from a low of 36.83 to a high of 43.65. The Credit Services industry median FCF Margin % is 0.24. Jefferson Capital's value of 22.47% is 9262.5% above this industry median. Based on the distribution chart, Jefferson Capital ranks #133 out of 531 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 FCF Margin % compare to NAVI and WRLD?
According to the Credit Services industry distribution chart, Jefferson Capital ranks #133 out of 531 companies for FCF Margin %. This places Jefferson Capital in the top 25% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 0.24. Jefferson Capital's value of 22.47% is 9262.5% above this benchmark. Historically, Jefferson Capital's own FCF Margin % has ranged from 36.83 to 43.65 over the past decade. While the company's 10-year median is 37.38 vs. the industry median of 0.24, 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 FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.24, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jefferson Capital's current FCF Margin % of 22.47% is 9262.5% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Jefferson Capital and its competitors. For the Credit Services industry, the median FCF Margin % is 0.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jefferson Capital's current FCF Margin % is 22.47%, which is 40% below median its own 10-year median of 37.38. 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 FCF Margin % of 22.47%. The current FCF Margin % is 22.47%, which is 40% below median its 10-year median of 37.38 and 9262.5% above the Credit Services industry median of 0.24. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Jefferson Capital (JCAP), the current FCF Margin % is 22.47% 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.
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