Encore Capital vs Jefferson Capital, Inc. / DE
ECPG and JCAP side by side, both in non-depository credit institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How ECPG and JCAP compare
Encore Capital is the larger company, worth 2.1 times as much as Jefferson Capital, Inc. / DE ($2.4B against $1.1B).
On earnings, Encore Capital is cheaper: it trades at 7.2× trailing earnings, against 8.1× for Jefferson Capital, Inc. / DE.
Encore Capital grew revenue faster over the last twelve months (27.2% versus 22.8% for Jefferson Capital, Inc. / DE).
Jefferson Capital, Inc. / DE keeps more of each dollar of sales as profit, with a net margin of 23.5% compared with 17.7% at Encore Capital.
Jefferson Capital, Inc. / DE pays a dividend yielding 4.8%; Encore Capital does not pay one.
Jefferson Capital, Inc. / DE scores higher on the StockData Score (11 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 | ECPG | JCAP |
|---|---|---|
| Size and price | ||
| Market cap | $2.4B | $1.1B |
| Share price | $112.35 | $19.94 |
| Change, 1 year | 127% | −1.4% |
| Change, 5 years | 90.7% | −0.35% |
| Beta (5Y) | 0.84 | 0.57 |
| Employees | 7,350 | 1,120 |
| StockData Score | ||
| Total score | 10 | 11 (better) |
| Valuation score | 5 (better) | 3 |
| Growth score | 2 (better) | 1 |
| Performance score | 3 | 3 |
| Health score | 0 | 0 |
| Dividend score | 0 | 4 (better) |
| Valuation | ||
| P/E | 7.2× (better) | 8.1× |
| P/S | 1.2× (better) | 1.7× |
| P/B | – | 2.4× |
| EV/EBITDA | 2.8× (better) | 3.7× |
| P/FCF | 15.7× | – |
| PEG | 0.53 | – |
| FCF yield | 6.4% | – |
| Fair value | $149.18 | $33.52 |
| Margin of safety | 24.7% | 40.5% (better) |
| Growth | ||
| Revenue growth (TTM) | 27.2% (better) | 22.8% |
| Revenue growth, 5Y average | 3.3% | – |
| Net income growth (TTM) | – | −11.8% |
| EPS growth, 5Y average | 10.3% | – |
| Profitability | ||
| Operating margin | 39.0% | 45.8% (better) |
| Net margin | 17.7% | 23.5% (better) |
| FCF margin | 7.6% | – |
| Return on equity | – | 35.0% |
| Return on invested capital | – | 59.3% |
| Financial health | ||
| Interest coverage | 2.6× (better) | 2.6× |
| Altman Z-score | 1.41 | 1.57 (better) |
| Piotroski F-score | 6 | – |
| Dividends and buybacks | ||
| Dividend yield | – | 4.8% |
| Payout ratio | – | 39.1% |
| Years of dividend growth | – | 0 |
| Shareholder yield | 0.00% | 4.8% (better) |
| Ownership | ||
| Held by institutions | 105% | 39.8% |
| Held by insiders | 5.2% | – |
| Insider net buying, 12 months | −$1.8M (better) | −$225M |
| Short interest, % of float | 4.2% | – |
Go deeper
- ECPG stock overview
- ECPG income statement
- ECPG valuation and score
- JCAP stock overview
- JCAP income statement
- JCAP valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.