JCAP (Jefferson Capital) ROCE %: 11.71% (As of Mar. 2026)


JCAP Jefferson Capital Inc JCAP
17 GF Score
Price $18.58
! 2 Warning Signs
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What is Jefferson Capital ROCE %?

Jefferson Capital JCAP +1.98% 17 ROCE % is 11.71% as of Mar. 2026. GuruFocus rates JCAP with a GF Score™ of 17/100. The stock has 2 warning signs investors should review.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. Jefferson Capital's annualized ROCE % for the quarter that ended in Mar. 2026 was 11.71%.

Jefferson Capital  (NAS:JCAP) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

Jefferson Capital ROCE % Related Terms

Jefferson Capital ROCE % Historical Data

* Premium members only.

The historical data trend for Jefferson Capital's ROCE % 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.

Jefferson Capital ROCE % Chart

Jefferson Capital Annual Data
Trend Dec23 Dec24 Dec25
ROCE %
11.06 13.70 15.30

Jefferson Capital Quarterly Data
Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROCE % Get a 7-Day Free Trial Premium Member Only Premium Member Only 19.20 14.55 10.57 10.13 11.71
JCAP
17GF Score
Jefferson Capital Inc JCAP
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Jefferson Capital ROCE % Calculation

Jefferson Capital's annualized ROCE % for the fiscal year that ended in Dec. 2025 is calculated as:

ROCE %=EBIT/( (Capital Employed+Capital Employed)/ count )
(A: Dec. 2025 )  (A: Dec. 2024 )(A: Dec. 2025 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(A: Dec. 2025 )  (A: Dec. 2024 )(A: Dec. 2025 )
=216.935/( ( (1654.283 - 578.121) + (2087.373 - 327.647) )/ 2 )
=216.935/( (1076.162+1759.726)/ 2 )
=216.935/1417.944
=15.30 %

Jefferson Capital's ROCE % of for the quarter that ended in Mar. 2026 is calculated as:

ROCE %=EBIT (1)/( (Capital Employed+Capital Employed)/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=204.912/( ( (2087.373 - 327.647) + (2084.105 - 345.056) )/ 2 )
=204.912/( ( 1759.726 + 1739.049 )/ 2 )
=204.912/1749.3875
=11.71 %

(1) Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

* 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.

Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of 11.71% mean?
Jefferson Capital (JCAP) has a ROCE % of 11.71% as of Mar. 2026.
Is Jefferson Capital's ROCE % too high?
Jefferson Capital's current ROCE % is 11.71%. The Credit Services industry median ROCE % is 3.39. Jefferson Capital's value of 11.71% is 245.4% above this industry median. 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 ROCE % compare to NAVI and WRLD?
Jefferson Capital's ROCE % of 11.71% can be compared against companies in the Credit Services industry. The industry median ROCE % is 3.39. Jefferson Capital's value of 11.71% is 245.4% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Credit Services company?
The median ROCE % among Credit Services companies is 3.39, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jefferson Capital's current ROCE % of 11.71% is 245.4% 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median ROCE % is 3.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jefferson Capital's current ROCE % is 11.71%. 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 ROCE % of 11.71%. The current ROCE % is 11.71% and 245.4% above the Credit Services industry median of 3.39. 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Jefferson Capital (JCAP), the current ROCE % is 11.71% 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 Business Description

Address 600 South Highway 169, Suite 1575, Minneapolis, MN, USA, 55426
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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ROCE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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