Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the operating margin high or low?
The operating margin of 51.61% is 36% above its 2-year average of 37.84%, near the high end of its 2-year range (-53.13%–57.65%).
15.73% above its 12-month average of 44.60%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 45.87%.
OPERATING MARGIN
51.61%
OPERATING MARGIN AVG TTM
44.60%
OPERATING MARGIN AVG 3Y
37.84%
OPERATING MARGIN AVG 5Y
37.84%
OPERATING MARGIN AVG 10Y
29.80%
OPERATING MARGIN AVG 15Y
N/A
OPERATING MARGIN AVG 20Y
N/A
CURRENT VS TTM AVG
+15.73%
CURRENT VS 3Y AVG
+36.38%
CURRENT VS 5Y AVG
+36.38%
CURRENT VS 10Y AVG
+73.21%
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
17.73%
median of 507 covered companies
CURRENT VS SECTOR MEDIAN
+191.09%
vs the sector median at left
Jefferson Capital, Inc. Common Stock
Market Cap
$1.22B
Operating Margin
51.61%
TTM Avg
44.60%
3Y Avg
37.84%
5Y Avg
37.84%
Market Cap
$1.15B
Operating Margin
23.15%
TTM Avg
19.81%
3Y Avg
25.59%
5Y Avg
28.70%
Market Cap
$1.33B
Operating Margin
25.12%
TTM Avg
24.23%
3Y Avg
25.88%
5Y Avg
26.66%
Market Cap
$1.33B
Operating Margin
31.83%
TTM Avg
34.89%
3Y Avg
36.04%
5Y Avg
37.07%
Market Cap
$1.07B
Operating Margin
20.66%
TTM Avg
24.88%
3Y Avg
24.89%
5Y Avg
20.51%
Market Cap
$1.05B
Operating Margin
N/A
TTM Avg
17.07%
3Y Avg
-1.23%
5Y Avg
9.10%
Market Cap
$1.05B
Operating Margin
34.63%
TTM Avg
31.64%
3Y Avg
37.73%
5Y Avg
41.59%
Market Cap
$1.38B
Operating Margin
33.11%
TTM Avg
29.71%
3Y Avg
32.29%
5Y Avg
34.32%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Jefferson Capital, Inc. Common Stock (JCAP) | $1.22B | 51.61% | 44.60% | 37.84% | 37.84% |
| Heritage Financial Corporation (HFWA)vs › | $1.15B | 23.15% | 19.81% | 25.59% | 28.70% |
| First Mid Bancshares, Inc. (FMBH)vs › | $1.33B | 25.12% | 24.23% | 25.88% | 26.66% |
| HBT Financial, Inc. (HBT)vs › | $1.33B | 31.83% | 34.89% | 36.04% | 37.07% |
| International General Insurance Holdings Ltd. (IGIC)vs › | $1.07B | 20.66% | 24.88% | 24.89% | 20.51% |
| Capitol Federal Financial, Inc. (CFFN)vs › | $1.05B | N/A | 17.07% | -1.23% | 9.10% |
| Five Star Bancorp (FSBC)vs › | $1.05B | 34.63% | 31.64% | 37.73% | 41.59% |
| Community Trust Bancorp, Inc. (CTBI)vs › | $1.38B | 33.11% | 29.71% | 32.29% | 34.32% |
| Northeast Bank (NBN)vs › | $1.05B | 38.56% | 37.02% | 36.02% | 44.83% |
| Burke & Herbert Financial Services Corp. (BHRB)vs › | $1.40B | 27.12% | 19.78% | 24.01% | 25.57% |
Operating Margin
51.6%
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.
Operating Margin = Operating Income / Revenue
Operating margin is the percentage of revenue remaining after operating expenses, reflecting operating efficiency.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | OPERATING MARGIN |
|---|---|
| 2026-06-30 | 45.87% |
| 2026-03-31 | 45.45% |
| 2025-12-31 | 28.50% |
| 2025-09-30 | 46.43% |
| 2025-06-30 | 56.74% |
| 2025-03-31 | 57.65% |
| 2024-12-31 | 45.23% |
| 2024-09-30 | 53.73% |
| 2024-06-30 | -53.13% |
| 2024-03-31 | 51.95% |
| 2020-06-30 | 10.79% |
| 2020-03-31 | 17.71% |
| 2019-12-31 | 14.09% |
| 2019-09-30 | 43.69% |
| 2019-06-30 | 41.67% |
| 2019-03-31 | 43.79% |
| 2018-12-31 | 39.32% |
| 2018-09-30 | 45.81% |
| 2018-06-30 | 32.01% |
| 2018-03-31 | 15.16% |
| 2017-12-31 | 25.75% |
| 2017-09-30 | 19.43% |
| 2017-06-30 | 16.93% |
| 2017-03-31 | 1.65% |
| 2016-12-31 | 10.01% |
| 2016-09-30 | -9.95% |
| 2016-06-30 | -24.72% |
| 2016-03-31 | -221.08% |
| 2015-12-31 | -86.51% |
| 2015-09-30 | -200.87% |
| 2015-06-30 | -726.90% |
