Encore Capital vs Enova International
ECPG and ENVA side by side. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How ECPG and ENVA compare
Enova International is the larger company, worth 1.8 times as much as Encore Capital ($4.2B against $2.4B).
On earnings, Encore Capital is cheaper: it trades at 7.2× trailing earnings, against 11.8× for Enova International.
Encore Capital grew revenue faster over the last twelve months (27.2% versus 20.1% for Enova International).
Encore Capital keeps more of each dollar of sales as profit, with a net margin of 17.7% compared with 10.5% at Enova International.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | ECPG | ENVA |
|---|---|---|
| Size and price | ||
| Market cap | $2.4B | $4.2B |
| Share price | $112.35 | $171.16 |
| Change, 1 year | 127% | 34.7% |
| Change, 5 years | 90.7% | 333% |
| Beta (5Y) | 0.84 | 1.38 |
| Employees | 7,350 | 1,836 |
| StockData Score | ||
| Total score | 10 | 10 |
| Valuation score | 5 (better) | 2 |
| Growth score | 2 | 5 (better) |
| Performance score | 3 | 3 |
| Health score | 0 | 0 |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 7.2× (better) | 11.8× |
| P/S | 1.2× | 1.1× (better) |
| P/B | – | 2.7× |
| EV/EBITDA | 2.8× (better) | 4.5× |
| P/FCF | 15.7× | 2.1× (better) |
| PEG | 0.53 | 0.51 (better) |
| FCF yield | 6.4% | 47.9% (better) |
| Fair value | $149.18 | $236.94 |
| Margin of safety | 24.7% | 27.8% (better) |
| Growth | ||
| Revenue growth (TTM) | 27.2% (better) | 20.1% |
| Revenue growth, 5Y average | 3.3% | 23.8% (better) |
| Net income growth (TTM) | – | 30.5% |
| EPS growth (TTM) | – | 33.4% |
| EPS growth, 5Y average | 10.3% (better) | −0.31% |
| Profitability | ||
| Gross margin | – | 60.6% |
| Operating margin | 39.0% (better) | 24.0% |
| Net margin | 17.7% (better) | 10.5% |
| FCF margin | 7.6% | 54.9% (better) |
| Return on equity | – | 26.8% |
| Return on invested capital | – | 50.4% |
| Financial health | ||
| Interest coverage | 2.6× (better) | 2.3× |
| Altman Z-score | 1.41 | 1.68 (better) |
| Piotroski F-score | 6 | 8 (better) |
| Dividends and buybacks | ||
| Buyback yield | – | 3.4% |
| Shareholder yield | 0.00% | 3.4% (better) |
| Ownership | ||
| Held by institutions | 105% | 96.4% |
| Held by insiders | 5.2% | 5.4% |
| Insider net buying, 12 months | −$1.8M (better) | −$72.4M |
| Short interest, % of float | 4.2% | 7.3% |
Go deeper
- ECPG stock overview
- ECPG income statement
- ECPG valuation and score
- ENVA stock overview
- ENVA income statement
- ENVA valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.