Jefferson CapitalJCAP +1.98%17 Gross Margin % is 70.92% as of Mar. 2026, which is 2% below its 10-year median of 72.05. GuruFocus rates JCAP with a GF Score™ of 17/100. The stock has 2 warning signs investors should review. Among 388 Credit Services companies, Jefferson Capital ranks better than 73.97% on this metric.
The historical rank and industry rank for Jefferson Capital's Gross Margin % or its related term are showing as below:
JCAP'
s Gross Margin % Range Over the Past 10 Years
Min: 43.23 Med: 72.05 Max: 73.24
Current: 71.8
During the past 3 years, the highestGross Margin % of Jefferson Capital was 73.24%. The lowest was 43.23%. And the median was 72.05%.
JCAP's Gross Margin % is ranked better than 73.97% of 388
companies
in the Credit Services industry
Industry Median: 51.845
vs JCAP: 71.80
Jefferson Capital had a gross margin of 70.92% for the quarter that ended in Mar. 2026 => Durable competitive advantage
The 5-Year average Growth Rate of Gross Margin for Jefferson Capital was 0.00% per year.
Jefferson Capital (NAS:JCAP) Gross Margin % Explanation
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
Jefferson Capital had a gross margin of 70.92% for the quarter that ended in Mar. 2026 => Durable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
Jefferson Capital Gross Margin % Related Terms
Jefferson Capital Gross Margin % Historical Data
* Premium members only.
The historical data trend for Jefferson Capital's Gross 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: Gross Margin % Comparison
For the Credit Services subindustry, Jefferson Capital's Gross Margin %, along with its competitors' market caps and Gross 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 Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jefferson Capital's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Jefferson Capital's Gross 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
Jefferson Capital (JCAP) has a Gross Margin % of 70.92% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Jefferson Capital and its competitors. This is near median its historical median of 72.05. Over the past decade, Jefferson Capital's Gross Margin % has ranged from 43.23 to 73.24. According to the industry distribution chart, Jefferson Capital ranks #101 out of 388 companies in the Credit Services industry, placing it in the top 26%.
Is Jefferson Capital's Gross Margin % too high?
Jefferson Capital's current Gross Margin % of 70.92% is near median its 10-year median of 72.05. Over the past 10 years, this metric has ranged from a low of 43.23 to a high of 73.24. The Credit Services industry median Gross Margin % is 51.85. Jefferson Capital's value of 70.92% is 36.8% above this industry median. Based on the distribution chart, Jefferson Capital ranks #101 out of 388 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 Gross Margin % compare to NAVI and WRLD?
According to the Credit Services industry distribution chart, Jefferson Capital ranks #101 out of 388 companies for Gross Margin %. This puts Jefferson Capital in the upper half of its industry. The industry median Gross Margin % is 51.85. Jefferson Capital's value of 70.92% is 36.8% above this benchmark. Historically, Jefferson Capital's own Gross Margin % has ranged from 43.23 to 73.24 over the past decade. While the company's 10-year median is 72.05 vs. the industry median of 51.85, 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.85, based on 388 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jefferson Capital's current Gross Margin % of 70.92% is 36.8% 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on Jefferson Capital and its competitors. For the Credit Services industry, the median Gross Margin % is 51.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jefferson Capital's current Gross Margin % is 70.92%, which is near median its own 10-year median of 72.05. 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 Gross Margin % of 70.92%. The current Gross Margin % is 70.92%, which is near median its 10-year median of 72.05 and 36.8% above the Credit Services industry median of 51.85. 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 Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For Jefferson Capital (JCAP), the current Gross Margin % is 70.92% 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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