Jefferson CapitalJCAP +1.98%17 Quick Ratio is 5.81 as of Mar. 2026, which is 73% below its 10-year median of 21.63. GuruFocus rates JCAP with a GF Score™ of 17/100. The stock has 2 warning signs investors should review. Among 394 Credit Services companies, Jefferson Capital ranks better than 52.03% on this metric.
Jefferson Capital has a quick ratio of 5.81. It generally indicates good short-term financial strength.
The historical rank and industry rank for Jefferson Capital's Quick Ratio or its related term are showing as below:
JCAP'
s Quick Ratio Range Over the Past 10 Years
Min: 2.72 Med: 21.63 Max: 27.39
Current: 5.81
During the past 3 years, Jefferson Capital's highest Quick Ratio was 27.39. The lowest was 2.72. And the median was 21.63.
JCAP's Quick Ratio is ranked better than 52.03% of 394
companies
in the Credit Services industry
Industry Median: 4.93
vs JCAP: 5.81
Jefferson Capital (NAS:JCAP) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
Jefferson Capital Quick Ratio Related Terms
Jefferson Capital Quick Ratio Historical Data
* Premium members only.
The historical data trend for Jefferson Capital's Quick 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 Quick Ratio, along with its competitors' market caps and Quick 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 Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jefferson Capital's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Jefferson Capital's Quick Ratio falls into.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
Jefferson Capital's Quick 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 Quick Ratio of 5.81 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Jefferson Capital and its competitors. This is 73% below median its historical median of 21.63. Over the past decade, Jefferson Capital's Quick Ratio has ranged from 2.72 to 27.39. According to the industry distribution chart, Jefferson Capital ranks #189 out of 394 companies in the Credit Services industry, placing it in the top 48%.
Is Jefferson Capital's Quick Ratio too high?
Jefferson Capital's current Quick Ratio of 5.81 is 73% below median its 10-year median of 21.63. Over the past 10 years, this metric has ranged from a low of 2.72 to a high of 27.39. The Credit Services industry median Quick Ratio is 4.93. Jefferson Capital's value of 5.81 is 17.8% above this industry median. Based on the distribution chart, Jefferson Capital ranks #189 out of 394 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 Quick Ratio compare to NAVI and WRLD?
According to the Credit Services industry distribution chart, Jefferson Capital ranks #189 out of 394 companies for Quick Ratio. This puts Jefferson Capital in the upper half of its industry. The industry median Quick Ratio is 4.93. Jefferson Capital's value of 5.81 is 17.8% above this benchmark. Historically, Jefferson Capital's own Quick Ratio has ranged from 2.72 to 27.39 over the past decade. While the company's 10-year median is 21.63 vs. the industry median of 4.93, 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 Quick Ratio for a Credit Services company?
The median Quick Ratio among Credit Services companies is 4.93, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jefferson Capital's current Quick Ratio of 5.81 is 17.8% 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 Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Jefferson Capital and its competitors. For the Credit Services industry, the median Quick Ratio is 4.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jefferson Capital's current Quick Ratio is 5.81, which is 73% below median its own 10-year median of 21.63. 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 Quick Ratio of 5.81. The current Quick Ratio is 5.81, which is 73% below median its 10-year median of 21.63 and 17.8% above the Credit Services industry median of 4.93. 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 Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For Jefferson Capital (JCAP), the current Quick Ratio is 5.81 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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