Basis: Trailing twelve months (TTM), to the latest fiscal quarter end. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the return on equity (ROE) high or low?
The return on equity (ROE) of 32.55% is in line with its 1-year average of 33.13%, around the middle of its 1-year range (27.53%–36.64%).
As of the fiscal period ended Tuesday, June 30, 2026. 5.03% below its 12-month average of 34.28%.
Trailing-twelve-month return on equity at each fiscal quarter end; no daily interpolation. Q2 FY2026 (2026-06-30): 32.55%.
RETURN ON EQUITY (ROE)
32.55%
RETURN ON EQUITY (ROE) AVG TTM
34.28%
RETURN ON EQUITY (ROE) AVG 3Y
33.13%
RETURN ON EQUITY (ROE) AVG 5Y
33.13%
RETURN ON EQUITY (ROE) AVG 10Y
14.10%
RETURN ON EQUITY (ROE) AVG 15Y
N/A
RETURN ON EQUITY (ROE) AVG 20Y
N/A
CURRENT VS TTM AVG
-5.03%
CURRENT VS 3Y AVG
-1.73%
CURRENT VS 5Y AVG
-1.73%
CURRENT VS 10Y AVG
+130.95%
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
8.84%
median of 649 covered companies
CURRENT VS SECTOR MEDIAN
+268.27%
vs the sector median at left
Jefferson Capital, Inc. Common Stock
Market Cap
$1.22B
Return on Equity (ROE)
32.55%
TTM Avg
34.28%
3Y Avg
33.13%
5Y Avg
33.13%
Market Cap
$1.23B
Return on Equity (ROE)
17.07%
TTM Avg
17.02%
3Y Avg
19.02%
5Y Avg
17.59%
Market Cap
$1.29B
Return on Equity (ROE)
10.24%
TTM Avg
10.84%
3Y Avg
13.04%
5Y Avg
10.87%
Market Cap
$1.14B
Return on Equity (ROE)
7.02%
TTM Avg
6.17%
3Y Avg
7.46%
5Y Avg
7.83%
Market Cap
$1.14B
Return on Equity (ROE)
10.31%
TTM Avg
9.09%
3Y Avg
9.18%
5Y Avg
9.22%
Market Cap
$1.32B
Return on Equity (ROE)
9.10%
TTM Avg
9.45%
3Y Avg
9.78%
5Y Avg
9.20%
Market Cap
$1.32B
Return on Equity (ROE)
10.17%
TTM Avg
12.84%
3Y Avg
13.56%
5Y Avg
13.01%
Market Cap
$1.33B
Return on Equity (ROE)
9.64%
TTM Avg
9.70%
3Y Avg
10.76%
5Y Avg
9.12%
Market Cap
$1.06B
Return on Equity (ROE)
16.20%
TTM Avg
19.27%
3Y Avg
20.53%
5Y Avg
16.82%
| NAME | MARKET CAP | RETURN ON EQUITY (ROE) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Jefferson Capital, Inc. Common Stock (JCAP) | $1.22B | 32.55% | 34.28% | 33.13% | 33.13% |
| Preferred Bank (PFBC)vs › | $1.23B | 17.07% | 17.02% | 19.02% | 17.59% |
| Old Second Bancorp, Inc. (OSBC)vs › | $1.29B | 10.24% | 10.84% | 13.04% | 10.87% |
| Heritage Financial Corporation (HFWA)vs › | $1.14B | 7.02% | 6.17% | 7.46% | 7.83% |
| Univest Financial Corporation (UVSP)vs › | $1.14B | 10.31% | 9.09% | 9.18% | 9.22% |
| First Mid Bancshares, Inc. (FMBH)vs › | $1.32B | 9.10% | 9.45% | 9.78% | 9.20% |
| HBT Financial, Inc. (HBT)vs › | $1.32B | 10.17% | 12.84% | 13.56% | 13.01% |
| Peoples Bancorp Inc. (PEBO)vs › | $1.33B | 9.64% | 9.70% | 10.76% | 9.12% |
| International General Insurance Holdings Ltd. (IGIC)vs › | $1.06B | 16.20% | 19.27% | 20.53% | 16.82% |
| Community Trust Bancorp, Inc. (CTBI)vs › | $1.38B | 12.11% | 11.19% | 11.63% | 11.37% |
ROE
32.6%
ROA
7.4%
ROE = Net Income / Total Shareholders' Equity
Return on equity measures how efficiently a company generates profit from shareholders' equity. Higher ROE indicates better capital efficiency.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | RETURN ON EQUITY (ROE) |
|---|---|
| 2026-06-30 | 32.55% |
| 2026-03-31 | 36.44% |
| 2025-12-31 | 36.64% |
| 2025-09-30 | 32.03% |
| 2025-06-30 | 33.74% |
| 2025-03-31 | 32.96% |
| 2024-12-31 | 27.53% |
| 2020-06-30 | -6.59% |
| 2020-03-31 | -3.73% |
| 2019-12-31 | 7.54% |
| 2019-09-30 | 10.21% |
| 2019-06-30 | 11.11% |
| 2019-03-31 | 11.06% |
| 2018-12-31 | 9.92% |
| 2018-09-30 | 6.84% |
| 2018-06-30 | 4.81% |
| 2018-03-31 | 4.86% |
| 2017-12-31 | 4.76% |
| 2017-09-30 | 5.77% |
| 2017-06-30 | 5.96% |
| 2017-03-31 | 9.95% |
| 2016-12-31 | 9.51% |
| 2016-09-30 | 10.20% |
| 2016-06-30 | 4.23% |
| 2016-03-31 | -2.25% |
