Jefferson Capital (JCAP) Interest Coverage Ratio (2024 - 2025)
Jefferson Capital (JCAP) reported Interest Coverage Ratio of 6.99 for Q4 2025, down 427.77% year-over-year from 2.13 in Q4 2024, and down 349.14% quarter-over-quarter from 2.81 in Q3 2025.
Jefferson Capital (JCAP) Interest Coverage Ratio (2024 - 2025) Analysis & Trends
Jefferson Capital (JCAP) has 2 years of Interest Coverage Ratio data on file, last reported at 6.99 in Q4 2025.
- Interest Coverage Ratio for Q4 2025 came in at 6.99, down 427.77% year-over-year; the trailing twelve-month figure through Dec 2025 was 0.1 (changed N/A YoY), and the FY2025 annual result was 0.43, down 84.79% from the prior year.
- Interest Coverage Ratio declined to 6.99 in Q4 2025 per JCAP's latest filing, from 2.81 in the prior quarter.
- Over five years, Interest Coverage Ratio peaked at 3.54 in Q2 2025 and troughed at 6.99 in Q4 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 548.22 Bn | 535.81 Bn | - | 40.64 |
| 2 | Mastercard | 437.48 Bn | 427.27 Bn | - | 26.52 |
| 3 | American Express | 231.87 Bn | 177.83 Bn | 17.43 Bn | 1.80 |
| 4 | Capital One Financial | 125.74 Bn | 49.24 Bn | - | 1.66 |
| 5 | PayPal Holdings | 38.80 Bn | 29.46 Bn | 7.84 Bn | - |
| 6 | Synchrony Financial | 25.78 Bn | 5.22 Bn | - | 2.08 |
| 7 | Affirm Holdings | 24.65 Bn | 22.93 Bn | 261.64 Mn | 0.78 |
| 8 | SoFi Technologies | 22.89 Bn | 19.49 Bn | 929.25 Mn | 0.12 |
| 9 | Ally Financial | 14.15 Bn | 13.70 Bn | 1.98 Bn | 0.49 |
| 10 | Jefferson Capital | 518.66 Mn | 495.43 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 |