Jefferson Capital (JCAP) Interest Coverage Ratio (2024 - 2025)
Jefferson Capital (JCAP) posted quarterly Interest Coverage Ratio of 2.67 for Q4 2025, up 4.12% year-over-year from 2.57 in Q4 2024, and up 1.02% quarter-over-quarter from 2.65 in Q3 2025.
Jefferson Capital (JCAP) Interest Coverage Ratio (2024 - 2025) Analysis & Trends
Jefferson Capital (JCAP) has reported Interest Coverage Ratio for 2 consecutive years, with 2.67 the latest figure, recorded in Q4 2025.
- In Q4 2025, Interest Coverage Ratio rose 4.12% year-over-year to 2.67; the TTM figure through Dec 2025 stood at 2.86 (changed N/A YoY), while the FY2025 annual figure was 3.18, up 5.33% from the prior year.
- Interest Coverage Ratio advanced to 2.67 in Q4 2025 per JCAP's latest filing, from 2.65 in the prior quarter.
- Across five years, Interest Coverage Ratio topped out at 3.54 in Q2 2025 and bottomed at 2.57 in Q4 2024.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 35.45 |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 25.63 |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 1.79 |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | 1.53 |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 1.46 |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | 2.22 |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | 0.78 |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | -3.03 |
| 10 | Jefferson Capital | 627.16 Mn | 603.93 Mn | - | 3.16 |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 2.67 |
| Sep 30, 2025 | 2.65 |
| Jun 30, 2025 | 3.54 |
| Dec 31, 2024 | 2.57 |
| Sep 30, 2024 | 3.18 |
| Jun 30, 2024 | 3.03 |