Jefferson CapitalJCAP +1.98%17 Dividend Payout Ratio is 0.41 as of Mar. 2026, which is 356% above its 10-year median of 0.09. GuruFocus rates JCAP with a GF Score™ of 17/100. The stock has 2 warning signs investors should review. Among 195 Credit Services companies, Jefferson Capital ranks better than 93.85% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Jefferson Capital's Dividend Payout Ratio for the
months ended in Mar. 2026 was 0.41.
The historical rank and industry rank for Jefferson Capital's Dividend Payout Ratio or its related term are showing as below:
JCAP'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.04 Med: 0.09 Max: 0.09
Current: 0.04
During the past 3 years, the highest Dividend Payout Ratio of Jefferson Capital was 0.09. The lowest was 0.04. And the median was 0.09.
JCAP's Dividend Payout Ratio is ranked better than 93.85% of 195
companies
in the Credit Services industry
Industry Median: 0.32
vs JCAP: 0.04
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
Jefferson Capital (NAS:JCAP) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
Jefferson Capital Dividend Payout Ratio Related Terms
Jefferson Capital Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for Jefferson Capital's Dividend Payout Ratio 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: Dividend Payout Ratio Comparison
For the Credit Services subindustry, Jefferson Capital's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jefferson Capital's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where Jefferson Capital's Dividend Payout Ratio falls into.
Jefferson Capital Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
Jefferson Capital's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Dividend Payout Ratio of 0.41 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Jefferson Capital and its competitors. This is 356% above median its historical median of 0.09. Over the past decade, Jefferson Capital's Dividend Payout Ratio has ranged from 0.04 to 0.09. According to the industry distribution chart, Jefferson Capital ranks #12 out of 195 companies in the Credit Services industry, placing it in the top 6.2%.
Is Jefferson Capital's Dividend Payout Ratio too high?
Jefferson Capital's current Dividend Payout Ratio of 0.41 is 356% above median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.09. The Credit Services industry median Dividend Payout Ratio is 0.32. Jefferson Capital's value of 0.41 is 28.1% above this industry median. Based on the distribution chart, Jefferson Capital ranks #12 out of 195 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 Dividend Payout Ratio compare to NAVI and WRLD?
According to the Credit Services industry distribution chart, Jefferson Capital ranks #12 out of 195 companies for Dividend Payout Ratio. This places Jefferson Capital in the top 6% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. Jefferson Capital's value of 0.41 is 28.1% above this benchmark. Historically, Jefferson Capital's own Dividend Payout Ratio has ranged from 0.04 to 0.09 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Credit Services company?
The median Dividend Payout Ratio among Credit Services companies is 0.32, based on 195 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jefferson Capital's current Dividend Payout Ratio of 0.41 is 28.1% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Jefferson Capital and its competitors. For the Credit Services industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jefferson Capital's current Dividend Payout Ratio is 0.41, which is 356% above median its own 10-year median of 0.09. 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 Dividend Payout Ratio of 0.41. The current Dividend Payout Ratio is 0.41, which is 356% above median its 10-year median of 0.09 and 28.1% above the Credit Services industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Jefferson Capital (JCAP), the current Dividend Payout Ratio is 0.41 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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