Jefferson CapitalJCAP +1.98%17 Net Margin % is 21.33% as of Mar. 2026, which is 30% below its 10-year median of 30.65. GuruFocus rates JCAP with a GF Score™ of 17/100. The stock has 2 warning signs investors should review. Among 534 Credit Services companies, Jefferson Capital ranks better than 67.6% on this metric.
The historical rank and industry rank for Jefferson Capital's Net Margin % or its related term are showing as below:
JCAP'
s Net Margin % Range Over the Past 10 Years
Min: 25.42 Med: 30.65 Max: 34.52
Current: 25.42
JCAP's Net Margin % is ranked better than 67.6% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs JCAP: 25.42
Jefferson Capital (NAS:JCAP) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Jefferson Capital Net Margin % Related Terms
Jefferson Capital Net Margin % Historical Data
* Premium members only.
The historical data trend for Jefferson Capital's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jefferson Capital's Net Margin % distribution charts can be found below:
* The bar in red indicates where Jefferson Capital's Net 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 Net Margin % of 21.33% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Jefferson Capital and its competitors. This is 30% below median its historical median of 30.65. Over the past decade, Jefferson Capital's Net Margin % has ranged from 25.42 to 34.52. According to the industry distribution chart, Jefferson Capital ranks #173 out of 534 companies in the Credit Services industry, placing it in the top 32.4%.
Is Jefferson Capital's Net Margin % too high?
Jefferson Capital's current Net Margin % of 21.33% is 30% below median its 10-year median of 30.65. Over the past 10 years, this metric has ranged from a low of 25.42 to a high of 34.52. The Credit Services industry median Net Margin % is 14.52. Jefferson Capital's value of 21.33% is 46.9% above this industry median. Based on the distribution chart, Jefferson Capital ranks #173 out of 534 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 Net Margin % compare to NAVI and WRLD?
According to the Credit Services industry distribution chart, Jefferson Capital ranks #173 out of 534 companies for Net Margin %. This puts Jefferson Capital in the upper half of its industry. The industry median Net Margin % is 14.52. Jefferson Capital's value of 21.33% is 46.9% above this benchmark. Historically, Jefferson Capital's own Net Margin % has ranged from 25.42 to 34.52 over the past decade. While the company's 10-year median is 30.65 vs. the industry median of 14.52, 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 Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jefferson Capital's current Net Margin % of 21.33% is 46.9% 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 Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Jefferson Capital and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jefferson Capital's current Net Margin % is 21.33%, which is 30% below median its own 10-year median of 30.65. 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 Margin % of 21.33%. The current Net Margin % is 21.33%, which is 30% below median its 10-year median of 30.65 and 46.9% above the Credit Services industry median of 14.52. 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 Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Jefferson Capital (JCAP), the current Net Margin % is 21.33% 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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