Encore Capital vs PRA
ECPG and PRAA 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 PRAA compare
Encore Capital is the larger company, worth 5.2 times as much as PRA ($2.3B against $446M).
On earnings, PRA is cheaper: it trades at 2.9× trailing earnings, against 7.0× for Encore Capital.
Encore Capital grew revenue faster over the last twelve months (27.2% versus 12.5% for PRA).
Encore Capital keeps more of each dollar of sales as profit, with a net margin of 17.7% compared with 12.1% at PRA.
PRA scores higher on the StockData Score (13 against 11 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 | PRAA |
|---|---|---|
| Size and price | ||
| Market cap | $2.3B | $446M |
| Share price | $109.49 | $11.84 |
| Change, 1 year | 126% | −25.8% |
| Change, 5 years | 85.8% | −72.5% |
| Beta (5Y) | 0.83 | 1.01 |
| Employees | 7,350 | 2,615 |
| StockData Score | ||
| Total score | 11 | 13 (better) |
| Valuation score | 5 | 6 (better) |
| Growth score | 3 (better) | 0 |
| Performance score | 3 | 3 |
| Health score | 0 | 4 (better) |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 7.0× | 2.9× (better) |
| P/S | 1.2× | 0.3× (better) |
| P/B | – | 0.4× |
| EV/EBITDA | 2.7× | 0.8× (better) |
| P/FCF | 15.3× | – |
| PEG | 0.52 | – |
| FCF yield | 6.5% (better) | −11.0% |
| Fair value | $149.07 | $54.97 |
| Margin of safety | 26.6% | 78.5% (better) |
| Growth | ||
| Revenue growth (TTM) | 27.2% (better) | 12.5% |
| Revenue growth, 5Y average | 3.3% (better) | 2.4% |
| EPS growth, 5Y average | 10.3% | – |
| Profitability | ||
| Operating margin | 39.0% (better) | 35.8% |
| Net margin | 17.7% (better) | 12.1% |
| FCF margin | 7.6% (better) | −3.8% |
| Return on equity | – | 15.8% |
| Return on invested capital | – | 42.4% |
| Financial health | ||
| Debt / equity | – | 0.00 |
| Interest coverage | 2.6× | – |
| Altman Z-score | 1.40 (better) | 0.97 |
| Piotroski F-score | 6 (better) | 3 |
| Dividends and buybacks | ||
| Buyback yield | – | 6.7% |
| Shareholder yield | 0.00% | 6.7% (better) |
| Ownership | ||
| Held by institutions | 105% | 96.3% |
| Held by insiders | 5.2% | 4.1% |
| Insider net buying, 12 months | −$3.0M | $0 (better) |
| Short interest, % of float | 4.2% | 2.2% |
Go deeper
- ECPG stock overview
- ECPG income statement
- ECPG valuation and score
- PRAA stock overview
- PRAA income statement
- PRAA valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.