Jefferson Capital (JCAP) Net Margin (2024 - 2026)
Jefferson Capital (JCAP) posted quarterly Net Margin of 15.75% for Q4 2025, down 690.0% year-over-year from 2.67% in Q4 2024, and down 31.25% quarter-over-quarter from 22.91% in Q3 2025.
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Analysis
Jefferson Capital (JCAP) Net Margin (2024 - 2026) Analysis & Trends
Jefferson Capital (JCAP) has reported Net Margin for 2 consecutive years, with 15.75% the latest figure, recorded in Q4 2025.
- In Q4 2025, Net Margin fell 690.0% year-over-year to 15.75%; the TTM figure through Dec 2025 stood at 23.13% (changed N/A YoY), while the FY2025 annual figure was 28.47%, down 127.0% from the prior year.
- Net Margin fell to 15.75% in Q4 2025 per JCAP's latest filing, from 22.91% in the prior quarter.
- Across five years, Net Margin topped out at 33.34% in Q3 2024 and bottomed at 15.75% in Q4 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 48.38% |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 47.30% |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 15.84% |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 18.52% |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | 12.72% |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | 138.65% |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 17.93% |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 12.85% |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 16.05% |
| 10 | Jefferson Capital | 1.21 Bn | 1.19 Bn | - | 23.26% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 23.26% |
| Dec 31, 2025 | 14.42% |
| Sep 30, 2025 | 22.91% |
| Jun 30, 2025 | 31.20% |
| Dec 31, 2024 | 22.65% |
| Sep 30, 2024 | 33.34% |
| Jun 30, 2024 | 30.99% |