Jefferson CapitalJCAP -0.15%17 Net Current Asset Value is $6.57 as of Mar. 2026, which is 113% above its 10-year median of 3.08. GuruFocus rates JCAP with a GF Score™ of 17/100. The stock has 2 warning signs investors should review. Among 279 Credit Services companies, Jefferson Capital ranks worse than 61.65% on this metric.
In calculating the Net Current Asset Value (NCAV), Benjamin Graham means a company's current assets (such as cash, marketable securities, and inventories) minus its total liabilities (including preferred stock, minority interest, and long-term debt).
Jefferson Capital's net current asset value per share for the quarter that ended in Mar. 2026 was $6.57.
The historical rank and industry rank for Jefferson Capital's Net Current Asset Value or its related term are showing as below:
JCAP'
s Price-to-Net-Current-Asset-Value Range Over the Past 10 Years
Min: 2.83 Med: 3.08 Max: 3.31
Current: 2.96
During the past 3 years, the highest Price-to-Net-Current-Asset-Value Ratio of Jefferson Capital was 3.31. The lowest was 2.83. And the median was 3.08.
JCAP's Price-to-Net-Current-Asset-Value is ranked worse than 61.65% of 279
companies
in the Credit Services industry
Industry Median: 2.05
vs JCAP: 2.96
Jefferson Capital (NAS:JCAP) Net Current Asset Value Explanation
Benjamin Graham first discussed net current asset value (NCAV) in the 1934 edition of "Security Analysis", which he coauthored with David Dodd. In the book, (net) current asset value is defined as:" current assets alone, minus all liabilities and claims ahead of the issue."
The common definition of NCAV is: NCAV = current assets – [total liabilities + minority interest + preferred stock]
Net current assets exclude not only the intangible assets but also the fixed and miscellaneous assets. In addition, Graham believed that preferred stock belongs on the liability side of the balance sheet, not as part of capital and surplus. In "Security Analysis", preferred stock is dubbed "an imperfect creditorship position" that is best placed on the balance sheet alongside funded debt.
One research study, covering the years 1970 through 1983 showed that portfolios picked at the beginning of each year, and held for one year, returned 29.4 percent, on average, over the 13-year period, compared to 11.5 percent for the S&P 500 Index. Other studies of Grahams strategy produced similar results.
Benjamin Graham looked for companies whose market values were less than two-thirds of their Net-Net Working Capital. They are collected under our Net-Net screener.
Jefferson Capital Net Current Asset Value Related Terms
Jefferson Capital Net Current Asset Value Historical Data
* Premium members only.
The historical data trend for Jefferson Capital's Net Current Asset Value 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 LU, WRLD, FINV: Net Current Asset Value Comparison
For the Credit Services subindustry, Jefferson Capital's Price-to-Net-Current-Asset-Value, along with its competitors' market caps and Price-to-Net-Current-Asset-Value 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 Price-to-Net-Current-Asset-Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jefferson Capital's Price-to-Net-Current-Asset-Value distribution charts can be found below:
* The bar in red indicates where Jefferson Capital's Price-to-Net-Current-Asset-Value 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.
What does a Net Current Asset Value of $6.57 mean?
Jefferson Capital (JCAP) has a Net Current Asset Value of $6.57 as of Mar. 2026. Ben Graham's net current asset value equals the per-share value of total current assets less total liabilities. View historical data on Jefferson Capital and its competitors. This is 113% above median its historical median of 3.08. Over the past decade, Jefferson Capital's Net Current Asset Value has ranged from 2.83 to 3.31. According to the industry distribution chart, Jefferson Capital ranks #172 out of 279 companies in the Credit Services industry, placing it in the top 61.6%.
Is Jefferson Capital's Net Current Asset Value too high?
Jefferson Capital's current Net Current Asset Value of $6.57 is 113% above median its 10-year median of 3.08. Over the past 10 years, this metric has ranged from a low of 2.83 to a high of 3.31. The Credit Services industry median Net Current Asset Value is 2.05. Jefferson Capital's value of $6.57 is 220.5% above this industry median. Based on the distribution chart, Jefferson Capital ranks #172 out of 279 companies in the Credit Services industry, which is below 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 Net Current Asset Value compare to LU and WRLD?
According to the Credit Services industry distribution chart, Jefferson Capital ranks #172 out of 279 companies for Net Current Asset Value. This places Jefferson Capital in the lower half of its industry. The industry median Net Current Asset Value is 2.05. Jefferson Capital's value of $6.57 is 220.5% above this benchmark. Historically, Jefferson Capital's own Net Current Asset Value has ranged from 2.83 to 3.31 over the past decade. While the company's 10-year median is 3.08 vs. the industry median of 2.05, 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 Net Current Asset Value for a Credit Services company?
The median Net Current Asset Value among Credit Services companies is 2.05, based on 279 companies in the industry. Companies in the top quartile (top 25%) have a Net Current Asset Value significantly above this median, while those in the bottom quartile fall well below. However, Net Current Asset Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jefferson Capital's current Net Current Asset Value of $6.57 is 220.5% 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 Net Current Asset Value mean?
A high Net Current Asset Value can signal that a stock is expensive relative to its fundamentals. Ben Graham's net current asset value equals the per-share value of total current assets less total liabilities. View historical data on Jefferson Capital and its competitors. For the Credit Services industry, the median Net Current Asset Value is 2.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jefferson Capital's current Net Current Asset Value is $6.57, which is 113% above median its own 10-year median of 3.08. 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 Net Current Asset Value of $6.57. The current Net Current Asset Value is $6.57, which is 113% above median its 10-year median of 3.08 and 220.5% above the Credit Services industry median of 2.05. 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 Net Current Asset Value calculated?
Net Current Asset Value is calculated from a company's financial statements. For Jefferson Capital (JCAP), the current Net Current Asset Value is $6.57 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 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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