Jefferson CapitalJCAP +1.02%17 5-Year Yield-on-Cost % is 5.12 as of Jul. 07, 2026, which is 127% above its 10-year median of 2.26. GuruFocus rates JCAP with a GF Score™ of 17/100. The stock has 2 warning signs investors should review. Among 211 Credit Services companies, Jefferson Capital ranks better than 57.35% on this metric.
Jefferson Capital's yield on cost for the quarter that ended in Mar. 2026 was 5.12.
The historical rank and industry rank for Jefferson Capital's 5-Year Yield-on-Cost % or its related term are showing as below:
JCAP'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.04 Med: 2.26 Max: 5.17
Current: 5.12
During the past 3 years, Jefferson Capital's highest Yield on Cost was 5.17. The lowest was 1.04. And the median was 2.26.
JCAP's 5-Year Yield-on-Cost % is ranked better than 57.35% of 211
companies
in the Credit Services industry
Industry Median: 4.55
vs JCAP: 5.12
Jefferson Capital (NAS:JCAP) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Jefferson Capital 5-Year Yield-on-Cost % Related Terms
JCAP vs LU, WRLD, FINV: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, Jefferson Capital's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Jefferson Capital's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Jefferson Capital's 5-Year Yield-on-Cost % falls into.
Jefferson Capital 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Jefferson Capital (JCAP) has a 5-Year Yield-on-Cost % of 5.12 as of Jul. 07, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Jefferson Capital and its competitors. This is 127% above median its historical median of 2.26. Over the past decade, Jefferson Capital's 5-Year Yield-on-Cost % has ranged from 1.04 to 5.17. According to the industry distribution chart, Jefferson Capital ranks #90 out of 211 companies in the Credit Services industry, placing it in the top 42.7%.
Is Jefferson Capital's 5-Year Yield-on-Cost % too high?
Jefferson Capital's current 5-Year Yield-on-Cost % of 5.12 is 127% above median its 10-year median of 2.26. Over the past 10 years, this metric has ranged from a low of 1.04 to a high of 5.17. The Credit Services industry median 5-Year Yield-on-Cost % is 4.55. Jefferson Capital's value of 5.12 is 12.5% above this industry median. Based on the distribution chart, Jefferson Capital ranks #90 out of 211 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 5-Year Yield-on-Cost % compare to LU and WRLD?
According to the Credit Services industry distribution chart, Jefferson Capital ranks #90 out of 211 companies for 5-Year Yield-on-Cost %. This puts Jefferson Capital in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 4.55. Jefferson Capital's value of 5.12 is 12.5% above this benchmark. Historically, Jefferson Capital's own 5-Year Yield-on-Cost % has ranged from 1.04 to 5.17 over the past decade. While the company's 10-year median is 2.26 vs. the industry median of 4.55, 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 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.55, based on 211 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Jefferson Capital's current 5-Year Yield-on-Cost % of 5.12 is 12.5% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Jefferson Capital and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jefferson Capital's current 5-Year Yield-on-Cost % is 5.12, which is 127% above median its own 10-year median of 2.26. 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 5-Year Yield-on-Cost % of 5.12. The current 5-Year Yield-on-Cost % is 5.12, which is 127% above median its 10-year median of 2.26 and 12.5% above the Credit Services industry median of 4.55. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Jefferson Capital (JCAP), the current 5-Year Yield-on-Cost % is 5.12 as of Jul. 07, 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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