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Encore Capital Group Inc (ECPG) vs Jefferson Capital, Inc. (JCAP)

Encore Capital Group Inc and Jefferson Capital, Inc. are both Credit Services companies. Encore Capital Group Inc is the larger, with a market value of $2.7B against $1.2B — 2.2× the size. Encore Capital Group Inc trades at the lower P/E: 7.8× against 8.5×. Encore Capital Group Inc grew revenue faster over the last twelve months: 27.2% against 26.4%. Jefferson Capital, Inc. has the higher net margin (22.3% vs 17.7%) and the higher return on invested capital (42.0% vs 0.00%). Across the 17 metrics below, Jefferson Capital, Inc. leads on 10 and Encore Capital Group Inc on 7.

Valuation

Metric ECPG JCAP Credit Services median
P/E 7.75 8.47 8.96
P/S 1.35 1.75 1.00
P/B 2.48 2.42 1.23
Price to free cash flow 14.26 5.24 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 12.90% 11.81% 7.17%
Free cash flow yield 7.01% 19.08% 11.75%

Profitability

Metric ECPG JCAP Credit Services median
Gross margin 100.00% 64.54% 76.61%
Operating margin 0.00% 45.82% 0.34%
Net margin 17.67% 22.32% 8.35%
Free cash flow margin 8.89% 33.30% 8.73%
Return on equity 34.55% 33.19% 9.05%
Return on assets 6.41% 7.64% 1.94%
Return on invested capital 0.00% 41.96% 4.56%

Growth

Metric ECPG JCAP Credit Services median
Revenue growth (TTM) 27.20% 26.35% 4.49%
EPS growth (last fiscal year) 287.14% — 21.94%
Revenue growth, 5-year CAGR 3.33% — 9.22%
Net income growth, 5-year CAGR 3.93% — 0.00%

Health

Metric ECPG JCAP Credit Services median
Debt to equity 3.93 0.00 0.69
Current ratio 0.62 0.03 1.26
Net debt to EBITDA 0.00 (0.14) 0.11

Dividend

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

Size

Metric ECPG JCAP Credit Services median
Market cap 2.68b 1.20b 759.73m

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