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Jefferson Capital, Inc. / DE key statistics and ratios

In fiscal 2025, Jefferson Capital, Inc. / DE had return on equity of 43.8%, an operating margin of 51.6% and debt equal to 300.7% of equity. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Operating margin50.8%50.8%51.6%45.8%
Net margin34.5%29.7%30.6%23.5%
Return on equity36.7%37.6%43.8%32.6%
Return on assets—7.8%10.0%7.4%
Asset turnover—0.260.330.32
Debt to equity0.0%315.8%300.7%299.4%
Interest cover (operating income ÷ interest)3.4x2.9x3.0x2.6x
Effective tax rate7.5%6.3%13.9%20.1%
Dividends ÷ net income27.4%27.9%33.8%39.1%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: Medium.

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

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Figures from Jefferson Capital, Inc. / DE's SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Jefferson Capital, Inc. / DE.