Atlanticus vs Encore Capital
ATLC and ECPG side by side. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How ATLC and ECPG compare
Encore Capital is the larger company, worth 2.0 times as much as Atlanticus ($2.4B against $1.2B).
On earnings, Atlanticus is cheaper: it trades at 7.1× trailing earnings, against 7.2× for Encore Capital.
Atlanticus grew revenue faster over the last twelve months (87.9% versus 27.2% for Encore Capital).
Encore Capital keeps more of each dollar of sales as profit, with a net margin of 17.7% compared with 7.6% at Atlanticus.
Atlanticus scores higher on the StockData Score (12 against 10 for Encore Capital), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | ATLC | ECPG |
|---|---|---|
| Size and price | ||
| Market cap | $1.2B | $2.4B |
| Share price | $80.32 | $112.35 |
| Change, 1 year | 57.5% | 127% |
| Change, 5 years | 18.7% | 90.7% |
| Beta (5Y) | 1.76 | 0.84 |
| Employees | 576 | 7,350 |
| StockData Score | ||
| Total score | 12 (better) | 10 |
| Valuation score | 5 | 5 |
| Growth score | 4 (better) | 2 |
| Performance score | 3 | 3 |
| Health score | 0 | 0 |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 7.1× (better) | 7.2× |
| P/S | 0.4× (better) | 1.2× |
| P/B | 1.5× | – |
| EV/EBITDA | 0.8× (better) | 2.8× |
| P/FCF | – | 15.7× |
| PEG | 9.62 | 0.53 (better) |
| FCF yield | – | 6.4% |
| Fair value | $199.13 | $149.18 |
| Margin of safety | 59.7% (better) | 24.7% |
| Growth | ||
| Revenue growth (TTM) | 87.9% (better) | 27.2% |
| Revenue growth, 5Y average | 28.4% (better) | 3.3% |
| Net income growth (TTM) | 89.6% | – |
| EPS growth (TTM) | 102% | – |
| EPS growth, 5Y average | 8.6% | 10.3% (better) |
| Profitability | ||
| Gross margin | 92.4% | – |
| Operating margin | – | 39.0% |
| Net margin | 7.6% | 17.7% (better) |
| FCF margin | – | 7.6% |
| Return on equity | 32.0% | – |
| Financial health | ||
| Interest coverage | – | 2.6× |
| Altman Z-score | 0.61 | 1.41 (better) |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Buyback yield | 0.53% | – |
| Shareholder yield | 0.53% (better) | 0.00% |
| Ownership | ||
| Held by institutions | 26.1% | 105% |
| Held by insiders | 91.5% | 5.2% |
| Insider net buying, 12 months | −$10.6M | −$1.8M (better) |
| Short interest, % of float | – | 4.2% |
Go deeper
- ATLC stock overview
- ATLC income statement
- ATLC valuation and score
- ECPG stock overview
- ECPG income statement
- ECPG valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.