Jefferson CapitalJCAP +1.95%17 PB Ratio is 2.32 as of Jun. 26, 2026, which is 9% below its 10-year median of 2.55. GuruFocus rates JCAP with a GF Score™ of 17/100. The stock has 2 warning signs investors should review. Among 523 Credit Services companies, Jefferson Capital ranks worse than 78.97% on this metric.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Jefferson Capital PB Ratio Related Terms
Jefferson Capital PB Ratio Historical Data
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The historical data trend for Jefferson Capital's PB 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.
For the Credit Services subindustry, Jefferson Capital's PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jefferson Capital's PB Ratio distribution charts can be found below:
* The bar in red indicates where Jefferson Capital's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Jefferson Capital (JCAP) has a PB Ratio of 2.32 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Jefferson Capital and its competitors. This is near median its historical median of 2.55. Over the past decade, Jefferson Capital's PB Ratio has ranged from 2.03 to 3.06. According to the industry distribution chart, Jefferson Capital ranks #413 out of 523 companies in the Credit Services industry, placing it in the top 79%.
Is Jefferson Capital's PB Ratio too high?
Jefferson Capital's current PB Ratio of 2.32 is near median its 10-year median of 2.55. Over the past 10 years, this metric has ranged from a low of 2.03 to a high of 3.06. The Credit Services industry median PB Ratio is 1.07. Jefferson Capital's value of 2.32 is 116.8% above this industry median. Based on the distribution chart, Jefferson Capital ranks #413 out of 523 companies in the Credit Services industry, which is in the bottom quartile 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 PB Ratio compare to NAVI and WRLD?
According to the Credit Services industry distribution chart, Jefferson Capital ranks #413 out of 523 companies for PB Ratio. This places Jefferson Capital in the lower half of its industry. The industry median PB Ratio is 1.07. Jefferson Capital's value of 2.32 is 116.8% above this benchmark. Historically, Jefferson Capital's own PB Ratio has ranged from 2.03 to 3.06 over the past decade. While the company's 10-year median is 2.55 vs. the industry median of 1.07, 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.07, based on 523 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jefferson Capital's current PB Ratio of 2.32 is 116.8% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Jefferson Capital and its competitors. For the Credit Services industry, the median PB Ratio is 1.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jefferson Capital's current PB Ratio is 2.32, which is near median its own 10-year median of 2.55. 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 PB Ratio of 2.32. The current PB Ratio is 2.32, which is near median its 10-year median of 2.55 and 116.8% above the Credit Services industry median of 1.07. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Jefferson Capital (JCAP), the current PB Ratio is 2.32 as of Jun. 26, 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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