Jefferson Capital (JCAP) Interest Coverage Ratio (2024 - 2025)
Jefferson Capital (JCAP) posted quarterly Interest Coverage Ratio of 6.99 for Q4 2025, down 427.77% YoY from 2.13 in Q4 2024, and down 349.14% sequentially from 2.81 in Q3 2025.
Jefferson Capital (JCAP) Interest Coverage Ratio (2024 - 2025) Analysis & Trends
Jefferson Capital has disclosed Interest Coverage Ratio across 2 years of filings, most recently posting 6.99 for Q4 2025.
- In Q4 2025, Interest Coverage Ratio fell 427.77% year-over-year to 6.99; the TTM figure through Dec 2025 stood at 0.1 (changed N/A YoY), while the FY2025 annual figure was 0.43, down 84.79% from the prior year.
- Interest Coverage Ratio retreated to 6.99 in Q4 2025, from 2.81 in the prior quarter.
- Over the last five years, Interest Coverage Ratio for JCAP reached as high as 3.54 in Q2 2025 and fell as low as 6.99 in Q4 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 40.64 |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 26.52 |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 1.80 |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | - |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 0.78 |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 0.12 |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 0.49 |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 1.23 |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | - |
| 10 | Jefferson Capital | 588.59 Mn | 565.36 Mn | - | -6.99 |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | -6.99 |
| Sep 30, 2025 | 2.81 |
| Jun 30, 2025 | 3.54 |
| Dec 31, 2024 | 2.13 |
| Sep 30, 2024 | 3.01 |
| Jun 30, 2024 | 3.22 |