Pricing Log in Create free account

Encore Capital Group Inc (ECPG) vs EZCORP, Inc. (EZPW)

Encore Capital Group Inc and EZCORP, Inc. are both Credit Services companies. Encore Capital Group Inc is the larger, with a market value of $2.7B against $1.8B — 1.5× the size. Encore Capital Group Inc trades at the lower P/E: 7.8× against 11.2×. EZCORP, Inc. grew revenue faster over the last twelve months: 28.6% against 27.2%. Encore Capital Group Inc has the higher net margin (17.7% vs 9.99%) and the lower return on invested capital (0.00% vs 13.9%). Across the 20 metrics below, EZCORP, Inc. leads on 12 and Encore Capital Group Inc on 8.

Valuation

Metric ECPG EZPW Credit Services median
P/E 7.75 11.23 8.96
P/S 1.35 1.13 1.00
P/B 2.48 1.53 1.23
Price to free cash flow 14.26 12.89 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 12.90% 8.90% 7.17%
Free cash flow yield 7.01% 7.76% 11.75%

Profitability

Metric ECPG EZPW Credit Services median
Gross margin 100.00% 58.55% 76.61%
Operating margin 0.00% 13.90% 0.34%
Net margin 17.67% 9.99% 8.35%
Free cash flow margin 8.89% 8.73% 8.73%
Return on equity 34.55% 14.67% 9.05%
Return on assets 6.41% 7.82% 1.94%
Return on invested capital 0.00% 13.94% 4.56%

Growth

Metric ECPG EZPW Credit Services median
Revenue growth (TTM) 27.20% 28.61% 4.49%
EPS growth (last fiscal year) 287.14% 29.09% 21.94%
Revenue growth, 5-year CAGR 3.33% 9.14% 9.22%
Net income growth, 5-year CAGR 3.93% 0.00% 0.00%

Health

Metric ECPG EZPW Credit Services median
Debt to equity 3.93 0.44 0.69
Current ratio 0.62 4.81 1.26
Net debt to EBITDA 0.00 (1.41) 0.11

Dividend

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

Size

Metric ECPG EZPW Credit Services median
Market cap 2.68b 1.76b 759.73m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack