JCAP (Jefferson Capital) LT-Debt-to-Total-Asset: 0.57 (As of Mar. 2026)


JCAP Jefferson Capital Inc JCAP
17 GF Score
Price $19.13
! 2 Warning Signs
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What is Jefferson Capital LT-Debt-to-Total-Asset?

Jefferson Capital JCAP +4.99% 17 LT-Debt-to-Total-Asset is 0.57 as of Mar. 2026. GuruFocus rates JCAP with a GF Score™ of 17/100. The stock has 2 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Jefferson Capital's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.57.

Jefferson Capital's long-term debt to total assets ratio declined from Mar. 2025 (0.70) to Mar. 2026 (0.57). It may suggest that Jefferson Capital is progressively becoming less dependent on debt to grow their business.

Jefferson Capital  (NAS:JCAP) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Jefferson Capital LT-Debt-to-Total-Asset Related Terms

Jefferson Capital LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Jefferson Capital's LT-Debt-to-Total-Asset 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.

Jefferson Capital LT-Debt-to-Total-Asset Chart

Jefferson Capital Annual Data
Trend Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
0.69 0.42 0.56

Jefferson Capital Quarterly Data
Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.70 0.67 0.66 0.56 0.57
JCAP
17GF Score
Jefferson Capital Inc JCAP
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Jefferson Capital LT-Debt-to-Total-Asset Calculation

Jefferson Capital's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=1177.456/2087.373
=0.56

Jefferson Capital's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=1182.988/2084.105
=0.57

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.57 mean?
Jefferson Capital (JCAP) has a LT-Debt-to-Total-Asset of 0.57 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Jefferson Capital and its competitors.
Is Jefferson Capital's LT-Debt-to-Total-Asset too high?
Jefferson Capital's current LT-Debt-to-Total-Asset is 0.57. 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 LT-Debt-to-Total-Asset compare to NAVI and WRLD?
Jefferson Capital's LT-Debt-to-Total-Asset of 0.57 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good LT-Debt-to-Total-Asset for a Credit Services company?
A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Jefferson Capital and its competitors. Jefferson Capital's current LT-Debt-to-Total-Asset is 0.57. 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 LT-Debt-to-Total-Asset of 0.57. The current LT-Debt-to-Total-Asset is 0.57. 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 LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Jefferson Capital (JCAP), the current LT-Debt-to-Total-Asset is 0.57 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 Business Description

Address 600 South Highway 169, Suite 1575, Minneapolis, MN, USA, 55426
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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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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