Jefferson CapitalJCAP +1.92%17 Pretax Margin % is 28.94% as of Mar. 2026, which is 19% below its 10-year median of 35.62. 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 65.36% on this metric.
The historical rank and industry rank for Jefferson Capital's Pretax Margin % or its related term are showing as below:
JCAP'
s Pretax Margin % Range Over the Past 10 Years
Min: 31.74 Med: 35.62 Max: 37.32
Current: 31.92
JCAP's Pretax Margin % is ranked better than 65.36% of 534
companies
in the Credit Services industry
Industry Median: 19.865
vs JCAP: 31.92
Jefferson Capital (NAS:JCAP) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Jefferson Capital Pretax Margin % Related Terms
Jefferson Capital Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Jefferson Capital's Pretax 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.
JCAP vs NAVI, WRLD, GDOT: Pretax Margin % Comparison
For the Credit Services subindustry, Jefferson Capital's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jefferson Capital's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Jefferson Capital's Pretax 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 Pretax Margin % of 28.94% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Jefferson Capital and its competitors. This is 19% below median its historical median of 35.62. Over the past decade, Jefferson Capital's Pretax Margin % has ranged from 31.74 to 37.32. According to the industry distribution chart, Jefferson Capital ranks #185 out of 534 companies in the Credit Services industry, placing it in the top 34.6%.
Is Jefferson Capital's Pretax Margin % too high?
Jefferson Capital's current Pretax Margin % of 28.94% is 19% below median its 10-year median of 35.62. Over the past 10 years, this metric has ranged from a low of 31.74 to a high of 37.32. The Credit Services industry median Pretax Margin % is 19.87. Jefferson Capital's value of 28.94% is 45.7% above this industry median. Based on the distribution chart, Jefferson Capital ranks #185 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 Pretax Margin % compare to NAVI and WRLD?
According to the Credit Services industry distribution chart, Jefferson Capital ranks #185 out of 534 companies for Pretax Margin %. This puts Jefferson Capital in the upper half of its industry. The industry median Pretax Margin % is 19.87. Jefferson Capital's value of 28.94% is 45.7% above this benchmark. Historically, Jefferson Capital's own Pretax Margin % has ranged from 31.74 to 37.32 over the past decade. While the company's 10-year median is 35.62 vs. the industry median of 19.87, 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 Pretax Margin % for a Credit Services company?
The median Pretax Margin % among Credit Services companies is 19.87, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jefferson Capital's current Pretax Margin % of 28.94% is 45.7% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Jefferson Capital and its competitors. For the Credit Services industry, the median Pretax Margin % is 19.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jefferson Capital's current Pretax Margin % is 28.94%, which is 19% below median its own 10-year median of 35.62. 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 Pretax Margin % of 28.94%. The current Pretax Margin % is 28.94%, which is 19% below median its 10-year median of 35.62 and 45.7% above the Credit Services industry median of 19.87. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Jefferson Capital (JCAP), the current Pretax Margin % is 28.94% 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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