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Screener Weekly Summary Pricing

Atlanticus Holdings Corporation (ATLC) vs Encore Capital Group Inc (ECPG)

Atlanticus Holdings Corporation and Encore Capital Group Inc are both Credit Services companies. Encore Capital Group Inc is the larger, with a market value of $2.1B against $1.4B — 1.5× the size. Encore Capital Group Inc trades at the lower P/E: 7.2× against 9.6×. Atlanticus Holdings Corporation grew revenue faster over the last twelve months: 83.7% against 29.6%. Encore Capital Group Inc has the higher net margin (15.9% vs 5.46%) and the lower return on invested capital (4.83% vs 17.1%). Across the 19 metrics below, Atlanticus Holdings Corporation leads on 11 and Encore Capital Group Inc on 8.

Valuation

Metric ATLC ECPG Credit Services median
P/E 9.63 7.24 9.64
P/S 0.53 1.12 0.87
P/B 2.01 1.97 1.16
Price to free cash flow 1.50 13.03 2.99
EV/EBITDA n/m n/m 9.58
EV/Sales 0.55 3.22 2.32
Earnings yield 10.39% 13.81% 6.72%
Free cash flow yield 66.80% 7.67% 12.33%

Profitability

Metric ATLC ECPG Credit Services median
Gross margin 83.16% 100.00% 77.13%
Operating margin 0.00% 0.00% 0.34%
Net margin 5.46% 15.86% 9.25%
Free cash flow margin 35.30% 8.56% 13.03%
Return on equity 23.04% 30.54% 8.49%
Return on assets 2.60% 5.61% 2.29%
Return on invested capital 17.09% 4.83% 4.09%

Growth

Metric ATLC ECPG Credit Services median
Revenue growth (TTM) 83.72% 29.55% 4.62%
EPS growth (last fiscal year) 24.95% 287.14% —
Revenue growth, 5-year CAGR 28.43% 3.33% 9.13%
Net income growth, 5-year CAGR 7.73% 3.93% 0.00%

Health

Metric ATLC ECPG Credit Services median
Debt to equity 0.99 3.87 0.68
Current ratio 1.26 0.96 1.55
Net debt to EBITDA 0.00 0.00 0.13

Dividend

Metric ATLC ECPG Credit Services median
Dividend yield 1.22% — 3.34%
Payout ratio 0.00 0.00 0.00

Size

Metric ATLC ECPG Credit Services median
Market cap 1.39b 2.07b 872.19m

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