Jefferson CapitalJCAP +1.92%17 OCF Margin % is 22.47% as of Mar. 2026, which is 42% below its 10-year median of 38.82. 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 73.82% on this metric.
The historical rank and industry rank for Jefferson Capital's OCF Margin % or its related term are showing as below:
JCAP'
s OCF Margin % Range Over the Past 10 Years
Min: 37.21 Med: 38.82 Max: 43.83
Current: 40.45
During the past 3 years, the highest OCF Margin % of Jefferson Capital was 43.83%. The lowest was 37.21%. And the median was 38.82%.
JCAP's OCF Margin % is ranked better than 73.82% of 531
companies
in the Credit Services industry
Industry Median: 2.55
vs JCAP: 40.45
Jefferson Capital OCF Margin % Related Terms
Jefferson Capital OCF Margin % Historical Data
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The historical data trend for Jefferson Capital's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jefferson Capital's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Jefferson Capital's OCF 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 OCF Margin % of 22.47% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Jefferson Capital and its competitors. This is 42% below median its historical median of 38.82. Over the past decade, Jefferson Capital's OCF Margin % has ranged from 37.21 to 43.83. According to the industry distribution chart, Jefferson Capital ranks #139 out of 531 companies in the Credit Services industry, placing it in the top 26.2%.
Is Jefferson Capital's OCF Margin % too high?
Jefferson Capital's current OCF Margin % of 22.47% is 42% below median its 10-year median of 38.82. Over the past 10 years, this metric has ranged from a low of 37.21 to a high of 43.83. The Credit Services industry median OCF Margin % is 2.55. Jefferson Capital's value of 22.47% is 781.2% above this industry median. Based on the distribution chart, Jefferson Capital ranks #139 out of 531 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 OCF Margin % compare to NAVI and WRLD?
According to the Credit Services industry distribution chart, Jefferson Capital ranks #139 out of 531 companies for OCF Margin %. This puts Jefferson Capital in the upper half of its industry. The industry median OCF Margin % is 2.55. Jefferson Capital's value of 22.47% is 781.2% above this benchmark. Historically, Jefferson Capital's own OCF Margin % has ranged from 37.21 to 43.83 over the past decade. While the company's 10-year median is 38.82 vs. the industry median of 2.55, 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 OCF Margin % for a Credit Services company?
The median OCF Margin % among Credit Services companies is 2.55, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jefferson Capital's current OCF Margin % of 22.47% is 781.2% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Jefferson Capital and its competitors. For the Credit Services industry, the median OCF Margin % is 2.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jefferson Capital's current OCF Margin % is 22.47%, which is 42% below median its own 10-year median of 38.82. 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 OCF Margin % of 22.47%. The current OCF Margin % is 22.47%, which is 42% below median its 10-year median of 38.82 and 781.2% above the Credit Services industry median of 2.55. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Jefferson Capital (JCAP), the current OCF 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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