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Screener Weekly Summary Pricing

Encore Capital Group Inc (ECPG) vs Lufax Holding Ltd. Sponsored ADR (LU)

Encore Capital Group Inc and Lufax Holding Ltd. Sponsored ADR are both Credit Services companies. Encore Capital Group Inc is the larger, with a market value of $2.1B against $1.1B — 1.9× the size. Lufax Holding Ltd. Sponsored ADR has negative trailing earnings, so its P/E is not meaningful; Encore Capital Group Inc trades at 7.2×. Encore Capital Group Inc grew revenue faster over the last twelve months: 29.6% against −22.5%. Encore Capital Group Inc has the higher net margin (15.9% vs −13.3%) and the lower return on invested capital (4.83% vs 9.42%). Across the 19 metrics below, Lufax Holding Ltd. Sponsored ADR leads on 10 and Encore Capital Group Inc on 9.

Valuation

Metric ECPG LU Credit Services median
P/E 7.24 n/m 9.64
P/S 1.12 0.27 0.87
P/B 1.97 0.08 1.16
Price to free cash flow 13.03 11.53 2.99
EV/EBITDA n/m n/m 9.58
EV/Sales 3.22 0.00 2.32
Earnings yield 13.81% (49.59%) 6.72%
Free cash flow yield 7.67% 8.67% 12.33%

Profitability

Metric ECPG LU Credit Services median
Gross margin 100.00% 100.00% 77.13%
Operating margin 0.00% 49.67% 0.34%
Net margin 15.86% (13.30%) 9.25%
Free cash flow margin 8.56% 2.34% 13.03%
Return on equity 30.54% (3.83%) 8.49%
Return on assets 5.61% (1.50%) 2.29%
Return on invested capital 4.83% 9.42% 4.09%

Growth

Metric ECPG LU Credit Services median
Revenue growth (TTM) 29.55% (22.46%) 4.62%
EPS growth (last fiscal year) 287.14% 55.84% —
Revenue growth, 5-year CAGR 3.33% (12.93%) 9.13%
Net income growth, 5-year CAGR 3.93% 0.00% 0.00%

Health

Metric ECPG LU Credit Services median
Debt to equity 3.87 0.89 0.68
Current ratio 0.96 1.72 1.55
Net debt to EBITDA 0.00 (1.19) 0.13

Dividend

Metric ECPG LU Credit Services median
Dividend yield — 5.92% 3.34%
Payout ratio 0.00 1.69 0.00

Size

Metric ECPG LU Credit Services median
Market cap 2.07b 1.11b 872.19m

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