ECPG PEER ANALYSIS

Encore Capital Group Inc — metric-by-metric comparison with peers and the industry median

ECPGEncore Capital Group Inc

🇺🇸 USA · NASDAQ · Financial Services · Credit Services

Value it Duel

Overall Profile & Returns

· Credit Services

Position Within Industry

0 = weak quartile, 100 = strong quartile

ECPGIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	ECPG	QNBFK	ZIP	GSY	KTLEV	ISFIN	Ind. Median
P/E	6.83●	157.13	38.55	—	113.12	16.96	16.27
P/B	1.95	12.49	6.34	0.98	24.04	0.94●	2.03
EV/EBITDA	8.30	—	34.52	6.37●	—	—	15.83
P/S	—	—	—	—	—	—	—

Financial Health
Metric	ECPG	QNBFK	ZIP	GSY	KTLEV	ISFIN	Ind. Median
Current Ratio	0.33	—	788.09●	—	—	—	1.20
Debt/Equity	389.8%	0.0%●	383.4%	599.1%	0.0%●	0.0%●	116.1%
NetDebt/EBITDA	5.42●	—	11.13	5.42	—	—	2.39

Profitability
Metric	ECPG	QNBFK	ZIP	GSY	KTLEV	ISFIN	Ind. Median
Net Margin	16.0%●	—	8.9%	-15.8%	—	—	10.0%
ROE	32.0%	8.9%	15.9%	-27.7%	32.2%●	6.3%	13.4%
ROA	5.7%●	—	2.9%	-4.9%	—	—	2.9%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	ECPG	QNBFK	ZIP	GSY	KTLEV	ISFIN	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	—	—	—	—	—	—	19.9%
Div. Yield	—	—	—	9.4%	—	—	1.2%
Payout	—	—	—	-33.6%	—	—	16.3%

Valuation
Metric	ECPG	ATLC	WU	AGM	EZPW	UPST	Ind. Median
P/E	6.83	13.72	5.76●	13.13	20.25	68.22	16.27
P/B	1.95	2.69	2.79	1.51●	2.65	4.60	2.03
EV/EBITDA	8.30	23.69	2.52●	132.17	13.30	60.08	15.83
P/S	—	—	—	—	—	—	—

Financial Health
Metric	ECPG	ATLC	WU	AGM	EZPW	UPST	Ind. Median
Current Ratio	0.33	10.25●	1.02	0.21	4.71	4.03	1.20
Debt/Equity	389.8%	923.0%	288.1%	2,010.0%	71.3%●	269.8%	116.1%
NetDebt/EBITDA	5.42	17.77	-0.34●	122.35	1.73	14.24	2.39

Profitability
Metric	ECPG	ATLC	WU	AGM	EZPW	UPST	Ind. Median
Net Margin	16.0%●	10.8%	10.9%	16.0%	9.9%	4.2%	10.0%
ROE	32.0%	22.1%	47.7%●	13.4%	14.9%	7.0%	13.4%
ROA	5.7%	2.5%	5.4%	0.6%	7.4%●	1.9%	2.9%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	ECPG	ATLC	WU	AGM	EZPW	UPST	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	—	15.6%	-51.8%	6.8%	63.7%●	—	19.9%
Div. Yield	—	0.5%	12.0%●	3.0%	0.1%	—	1.2%
Payout	—	6.8%	69.4%	42.3%	2.4%	—	16.3%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.