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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 and EZCORP, Inc. are of similar size ($2.2B and $2.0B). Encore Capital Group Inc trades at the lower P/E: 7.5× against 12.8×. Encore Capital Group Inc grew revenue faster over the last twelve months: 29.6% against 28.6%. Encore Capital Group Inc has the higher net margin (15.9% vs 9.99%) and the lower return on invested capital (4.83% vs 13.9%). Across the 20 metrics below, Encore Capital Group Inc leads on 11 and EZCORP, Inc. on 9.

Valuation

Metric ECPG EZPW Credit Services median
P/E 7.48 12.79 9.39
P/S 1.15 1.28 0.86
P/B 2.03 1.74 1.16
Price to free cash flow 13.46 14.68 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 13.37% 7.82% 6.55%
Free cash flow yield 7.43% 6.81% 12.26%

Profitability

Metric ECPG EZPW Credit Services median
Gross margin 100.00% 58.55% 77.13%
Operating margin 0.00% 13.90% 0.34%
Net margin 15.86% 9.99% 9.25%
Free cash flow margin 8.56% 8.73% 12.91%
Return on equity 30.54% 14.67% 8.49%
Return on assets 5.61% 7.82% 2.16%
Return on invested capital 4.83% 13.94% 4.09%

Growth

Metric ECPG EZPW Credit Services median
Revenue growth (TTM) 29.55% 28.61% 4.62%
EPS growth (last fiscal year) 287.14% 29.09% 21.94%
Revenue growth, 5-year CAGR 3.33% 9.14% 9.13%
Net income growth, 5-year CAGR 3.93% 0.00% 0.00%

Health

Metric ECPG EZPW Credit Services median
Debt to equity 3.87 0.44 0.68
Current ratio 0.96 4.81 1.55
Net debt to EBITDA 0.00 (1.41) 0.13

Dividend

Metric ECPG EZPW Credit Services median
Dividend yield — — 1.64%
Payout ratio — — 0.22

Size

Metric ECPG EZPW Credit Services median
Market cap 2.18b 2.04b 751.08m

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