Basis: Trailing twelve months (TTM net income over the latest quarterly balance sheet). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the return on assets (ROA) high or low?
The return on assets (ROA) of 7.44% is 12% below its 2-year average of 8.46%, near the low end of its 2-year range (6.37%–10.00%).
3.19% below its 12-month average of 7.69%.
Reported quarterly return on assets; no daily interpolation. Q2 FY2026 (2026-06-30): 1.98%.
RETURN ON ASSETS (ROA)
7.44%
RETURN ON ASSETS (ROA) AVG TTM
7.69%
RETURN ON ASSETS (ROA) AVG 3Y
8.46%
RETURN ON ASSETS (ROA) AVG 5Y
8.46%
RETURN ON ASSETS (ROA) AVG 10Y
6.27%
RETURN ON ASSETS (ROA) AVG 15Y
N/A
RETURN ON ASSETS (ROA) AVG 20Y
N/A
CURRENT VS TTM AVG
-3.19%
CURRENT VS 3Y AVG
-12.02%
CURRENT VS 5Y AVG
-12.02%
CURRENT VS 10Y AVG
+18.59%
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
1.23%
median of 682 covered companies
CURRENT VS SECTOR MEDIAN
+504.88%
vs the sector median at left
Jefferson Capital, Inc. Common Stock
Market Cap
$1.22B
Return on Assets (ROA)
7.44%
TTM Avg
7.69%
3Y Avg
8.46%
5Y Avg
8.46%
Market Cap
$1.23B
Return on Assets (ROA)
1.75%
TTM Avg
1.82%
3Y Avg
1.98%
5Y Avg
1.81%
Market Cap
$1.29B
Return on Assets (ROA)
1.35%
TTM Avg
1.33%
3Y Avg
1.35%
5Y Avg
1.11%
Market Cap
$1.14B
Return on Assets (ROA)
0.92%
TTM Avg
0.79%
3Y Avg
0.90%
5Y Avg
0.94%
Market Cap
$1.14B
Return on Assets (ROA)
1.20%
TTM Avg
1.01%
3Y Avg
1.00%
5Y Avg
1.01%
Market Cap
$1.32B
Return on Assets (ROA)
1.09%
TTM Avg
1.10%
3Y Avg
1.05%
5Y Avg
1.00%
Market Cap
$1.32B
Return on Assets (ROA)
1.16%
TTM Avg
1.48%
3Y Avg
1.39%
5Y Avg
1.31%
Market Cap
$1.33B
Return on Assets (ROA)
1.25%
TTM Avg
1.19%
3Y Avg
1.26%
5Y Avg
1.07%
Market Cap
$1.06B
Return on Assets (ROA)
4.98%
TTM Avg
6.34%
3Y Avg
6.55%
5Y Avg
5.26%
| NAME | MARKET CAP | RETURN ON ASSETS (ROA) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Jefferson Capital, Inc. Common Stock (JCAP) | $1.22B | 7.44% | 7.69% | 8.46% | 8.46% |
| Preferred Bank (PFBC)vs › | $1.23B | 1.75% | 1.82% | 1.98% | 1.81% |
| Old Second Bancorp, Inc. (OSBC)vs › | $1.29B | 1.35% | 1.33% | 1.35% | 1.11% |
| Heritage Financial Corporation (HFWA)vs › | $1.14B | 0.92% | 0.79% | 0.90% | 0.94% |
| Univest Financial Corporation (UVSP)vs › | $1.14B | 1.20% | 1.01% | 1.00% | 1.01% |
| First Mid Bancshares, Inc. (FMBH)vs › | $1.32B | 1.09% | 1.10% | 1.05% | 1.00% |
| HBT Financial, Inc. (HBT)vs › | $1.32B | 1.16% | 1.48% | 1.39% | 1.31% |
| Peoples Bancorp Inc. (PEBO)vs › | $1.33B | 1.25% | 1.19% | 1.26% | 1.07% |
| International General Insurance Holdings Ltd. (IGIC)vs › | $1.06B | 4.98% | 6.34% | 6.55% | 5.26% |
| Community Trust Bancorp, Inc. (CTBI)vs › | $1.38B | 1.55% | 1.41% | 1.42% | 1.41% |
ROA
7.4%
ROE
32.5%
ROA = Net Income / Total Assets
Return on assets measures how efficiently a company generates profit from its total assets.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | RETURN ON ASSETS (ROA) |
|---|---|
| 2025-12-31 | 9.00% |
| 2024-12-31 | 6.37% |
| 2023-12-31 | 10.00% |
| 2019-12-31 | 5.46% |
| 2018-12-31 | 9.21% |
| 2017-12-31 | 4.63% |
| 2016-12-31 | 8.31% |
| 2015-12-31 | -2.79% |
