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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 $2.7B against $1.5B — 1.8× the size. Atlanticus Holdings Corporation trades at the lower P/E: 6.8× against 7.8×. Atlanticus Holdings Corporation grew revenue faster over the last twelve months: 84.8% against 27.2%. Encore Capital Group Inc has the higher net margin (17.7% vs 7.33%) and the lower return on invested capital (0.00% vs 22.3%). Across the 18 metrics below, Atlanticus Holdings Corporation leads on 12 and Encore Capital Group Inc on 6.

Valuation

Metric ATLC ECPG Credit Services median
P/E 6.80 7.75 8.96
P/S 0.50 1.35 1.00
P/B 1.82 2.48 1.23
Price to free cash flow 1.36 14.26 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 14.70% 12.90% 7.17%
Free cash flow yield 73.52% 7.01% 11.75%

Profitability

Metric ATLC ECPG Credit Services median
Gross margin 83.32% 100.00% 76.61%
Operating margin 0.00% 0.00% 0.34%
Net margin 7.33% 17.67% 8.35%
Free cash flow margin 36.90% 8.89% 8.73%
Return on equity 30.90% 34.55% 9.05%
Return on assets 2.89% 6.41% 1.94%
Return on invested capital 22.28% 0.00% 4.56%

Growth

Metric ATLC ECPG Credit Services median
Revenue growth (TTM) 84.83% 27.20% 4.49%
EPS growth (last fiscal year) 24.95% 287.14% 21.94%
Revenue growth, 5-year CAGR 28.43% 3.33% 9.22%
Net income growth, 5-year CAGR 7.73% 3.93% 0.00%

Health

Metric ATLC ECPG Credit Services median
Debt to equity 0.87 3.93 0.69
Current ratio 0.00 0.62 1.26
Net debt to EBITDA 0.00 0.00 0.11

Dividend

Metric ATLC ECPG Credit Services median
Dividend yield — — 1.64%
Payout ratio — — 0.21

Size

Metric ATLC ECPG Credit Services median
Market cap 1.46b 2.68b 759.73m

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