Jefferson CapitalJCAP -1.18%17 Return-on-Tangible-Asset is 7.45% as of Mar. 2026, which is 29% below its 10-year median of 10.42. GuruFocus rates JCAP with a GF Score™ of 17/100. The stock has 2 warning signs investors should review. Among 544 Credit Services companies, Jefferson Capital ranks better than 92.46% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Jefferson Capital's annualizedNet Income for the quarter that ended in Mar. 2026 was $150.5 Mil. Jefferson Capital's average total tangible assets for the quarter that ended in Mar. 2026 was $2,021.6 Mil. Therefore, Jefferson Capital's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 7.45%.
The historical rank and industry rank for Jefferson Capital's Return-on-Tangible-Asset or its related term are showing as below:
JCAP'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 8.84 Med: 10.42 Max: 10.6
Current: 8.84
During the past 3 years, Jefferson Capital's highest Return-on-Tangible-Asset was 10.60%. The lowest was 8.84%. And the median was 10.42%.
JCAP's Return-on-Tangible-Asset is ranked better than 92.46% of 544
companies
in the Credit Services industry
Industry Median: 1.93
vs JCAP: 8.84
Jefferson Capital (NAS:JCAP) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Jefferson Capital Return-on-Tangible-Asset Related Terms
Jefferson Capital Return-on-Tangible-Asset Historical Data
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The historical data trend for Jefferson Capital's Return-on-Tangible-Asset 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 LU, WRLD, FINV: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, Jefferson Capital's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jefferson Capital's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Jefferson Capital's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 7.45% mean?
Jefferson Capital (JCAP) has a Return-on-Tangible-Asset of 7.45% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Jefferson Capital and its competitors. This is 29% below median its historical median of 10.42. Over the past decade, Jefferson Capital's Return-on-Tangible-Asset has ranged from 8.84 to 10.60. According to the industry distribution chart, Jefferson Capital ranks #41 out of 544 companies in the Credit Services industry, placing it in the top 7.5%.
Is Jefferson Capital's Return-on-Tangible-Asset too high?
Jefferson Capital's current Return-on-Tangible-Asset of 7.45% is 29% below median its 10-year median of 10.42. Over the past 10 years, this metric has ranged from a low of 8.84 to a high of 10.60. The Credit Services industry median Return-on-Tangible-Asset is 1.93. Jefferson Capital's value of 7.45% is 286% above this industry median. Based on the distribution chart, Jefferson Capital ranks #41 out of 544 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 Return-on-Tangible-Asset compare to LU and WRLD?
According to the Credit Services industry distribution chart, Jefferson Capital ranks #41 out of 544 companies for Return-on-Tangible-Asset. This places Jefferson Capital in the top 8% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 1.93. Jefferson Capital's value of 7.45% is 286% above this benchmark. Historically, Jefferson Capital's own Return-on-Tangible-Asset has ranged from 8.84 to 10.60 over the past decade. While the company's 10-year median is 10.42 vs. the industry median of 1.93, 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 Return-on-Tangible-Asset for a Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 1.93, based on 544 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jefferson Capital's current Return-on-Tangible-Asset of 7.45% is 286% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Jefferson Capital and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 1.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jefferson Capital's current Return-on-Tangible-Asset is 7.45%, which is 29% below median its own 10-year median of 10.42. 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 Return-on-Tangible-Asset of 7.45%. The current Return-on-Tangible-Asset is 7.45%, which is 29% below median its 10-year median of 10.42 and 286% above the Credit Services industry median of 1.93. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Jefferson Capital (JCAP), the current Return-on-Tangible-Asset is 7.45% 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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