Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the EBITDA margin high or low?
The EBITDA margin of 52.46% is 34% above its 2-year average of 39.05%, near the high end of its 2-year range (-52.59%–59.41%).
15.89% above its 12-month average of 45.27%.
Reported quarterly EBITDA margin; no daily interpolation. Q2 FY2026 (2026-06-30): 46.34%.
EBITDA MARGIN
52.46%
EBITDA MARGIN AVG TTM
45.27%
EBITDA MARGIN AVG 3Y
39.05%
EBITDA MARGIN AVG 5Y
39.05%
EBITDA MARGIN AVG 10Y
39.98%
EBITDA MARGIN AVG 15Y
N/A
EBITDA MARGIN AVG 20Y
N/A
CURRENT VS TTM AVG
+15.89%
CURRENT VS 3Y AVG
+34.35%
CURRENT VS 5Y AVG
+34.35%
CURRENT VS 10Y AVG
+31.23%
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
Jefferson Capital, Inc. Common Stock
Market Cap
$1.22B
EBITDA Margin
52.46%
TTM Avg
45.27%
3Y Avg
39.05%
5Y Avg
39.05%
Market Cap
$1.15B
EBITDA Margin
23.70%
TTM Avg
20.59%
3Y Avg
26.74%
5Y Avg
26.74%
Market Cap
$1.33B
EBITDA Margin
29.36%
TTM Avg
28.67%
3Y Avg
30.39%
5Y Avg
31.60%
Market Cap
$1.33B
EBITDA Margin
37.36%
TTM Avg
36.77%
3Y Avg
38.05%
5Y Avg
39.27%
Market Cap
$1.07B
EBITDA Margin
25.31%
TTM Avg
25.55%
3Y Avg
25.55%
5Y Avg
21.23%
Market Cap
$1.05B
EBITDA Margin
21.74%
TTM Avg
19.15%
3Y Avg
2.06%
5Y Avg
12.52%
Market Cap
$1.05B
EBITDA Margin
33.97%
TTM Avg
32.67%
3Y Avg
38.80%
5Y Avg
42.51%
Market Cap
$1.38B
EBITDA Margin
32.09%
TTM Avg
30.90%
3Y Avg
33.80%
5Y Avg
36.07%
| NAME | MARKET CAP | EBITDA MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Jefferson Capital, Inc. Common Stock (JCAP) | $1.22B | 52.46% | 45.27% | 39.05% | 39.05% |
| Heritage Financial Corporation (HFWA)vs › | $1.15B | 23.70% | 20.59% | 26.74% | 26.74% |
| First Mid Bancshares, Inc. (FMBH)vs › | $1.33B | 29.36% | 28.67% | 30.39% | 31.60% |
| HBT Financial, Inc. (HBT)vs › | $1.33B | 37.36% | 36.77% | 38.05% | 39.27% |
| International General Insurance Holdings Ltd. (IGIC)vs › | $1.07B | 25.31% | 25.55% | 25.55% | 21.23% |
| Capitol Federal Financial, Inc. (CFFN)vs › | $1.05B | 21.74% | 19.15% | 2.06% | 12.52% |
| Five Star Bancorp (FSBC)vs › | $1.05B | 33.97% | 32.67% | 38.80% | 42.51% |
| Community Trust Bancorp, Inc. (CTBI)vs › | $1.38B | 32.09% | 30.90% | 33.80% | 36.07% |
| Northeast Bank (NBN)vs › | $1.05B | 38.22% | 37.47% | 36.99% | 46.16% |
| Burke & Herbert Financial Services Corp. (BHRB)vs › | $1.40B | 34.14% | 24.29% | 27.30% | 28.62% |
EBITDA Margin
52.5%
Operating Margin
51.6%
Net Margin
23.5%
Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Formula: EBITDA Margin = (EBITDA / Revenue) × 100
Why EBITDA Margin matters:
EBITDA Margin = EBITDA / Revenue
EBITDA margin measures operating profitability before interest, taxes, depreciation, and amortization as a percentage of revenue.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | EBITDA MARGIN |
|---|---|
| 2026-06-30 | 46.34% |
| 2026-03-31 | 45.94% |
| 2025-12-31 | 29.18% |
| 2025-09-30 | 47.33% |
| 2025-06-30 | 57.55% |
| 2025-03-31 | 59.41% |
| 2024-12-31 | 49.59% |
| 2024-09-30 | 54.23% |
| 2024-06-30 | -52.59% |
| 2024-03-31 | 53.48% |
| 2020-06-30 | 47.94% |
| 2020-03-31 | 48.51% |
| 2019-12-31 | 36.56% |
| 2019-09-30 | 55.03% |
| 2019-06-30 | 51.87% |
| 2019-03-31 | 54.34% |
| 2018-12-31 | 49.63% |
| 2018-09-30 | 55.37% |
| 2018-06-30 | 44.51% |
| 2018-03-31 | 28.95% |
| 2017-12-31 | 32.26% |
| 2017-09-30 | 24.99% |
| 2017-06-30 | 18.97% |
| 2017-03-31 | 3.30% |
| 2016-12-31 | 11.77% |
| 2016-09-30 | -7.66% |
| 2016-06-30 | -23.61% |
| 2016-03-31 | -219.51% |
| 2015-12-31 | -84.92% |
| 2015-09-30 | -200.52% |
| 2015-06-30 | -726.90% |
