Credit Acceptance vs Encore Capital
CACC and ECPG side by side. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CACC and ECPG compare
Credit Acceptance is the larger company, worth 2.2 times as much as Encore Capital ($5.2B against $2.4B).
On earnings, Encore Capital is cheaper: it trades at 7.2× trailing earnings, against 16.8× for Credit Acceptance.
Encore Capital grew revenue faster over the last twelve months (27.2% versus 1.7% for Credit Acceptance).
Encore Capital keeps more of each dollar of sales as profit, with a net margin of 17.7% compared with 14.4% at Credit Acceptance.
Encore Capital scores higher on the StockData Score (10 against 4 for Credit Acceptance), 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 | CACC | ECPG |
|---|---|---|
| Size and price | ||
| Market cap | $5.2B | $2.4B |
| Share price | $513.78 | $112.35 |
| Change, 1 year | 18.7% | 127% |
| Change, 5 years | −20.0% | 90.7% |
| Beta (5Y) | 1.30 | 0.84 |
| Employees | 2,314 | 7,350 |
| StockData Score | ||
| Total score | 4 | 10 (better) |
| Valuation score | 0 | 5 (better) |
| Growth score | 0 | 2 (better) |
| Performance score | 4 (better) | 3 |
| Health score | 0 | 0 |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 16.8× | 7.2× (better) |
| P/S | 2.2× | 1.2× (better) |
| P/B | 3.7× | – |
| EV/EBITDA | – | 2.8× |
| P/FCF | 4.1× (better) | 15.7× |
| PEG | – | 0.53 |
| FCF yield | 24.1% (better) | 6.4% |
| Fair value | $497.50 | $149.18 |
| Margin of safety | −3.3% | 24.7% (better) |
| Growth | ||
| Revenue growth (TTM) | 1.7% | 27.2% (better) |
| Revenue growth, 5Y average | 6.8% (better) | 3.3% |
| Net income growth (TTM) | −25.7% | – |
| EPS growth (TTM) | −18.9% | – |
| EPS growth, 5Y average | 9.2% | 10.3% (better) |
| Profitability | ||
| Operating margin | – | 39.0% |
| Net margin | 14.4% | 17.7% (better) |
| FCF margin | 53.6% (better) | 7.6% |
| Return on equity | 22.7% | – |
| Financial health | ||
| Interest coverage | – | 2.6× |
| Altman Z-score | 0.82 | 1.41 (better) |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Buyback yield | 10.9% | – |
| Shareholder yield | 10.9% (better) | 0.00% |
| Ownership | ||
| Held by institutions | 75.0% | 105% |
| Held by insiders | 54.3% | 5.2% |
| Insider net buying, 12 months | −$85.1M | −$1.8M (better) |
| Superinvestors holding | 2 | – |
| Short interest, % of float | 21.4% | 4.2% |
Go deeper
- CACC stock overview
- CACC income statement
- CACC 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.