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Encore Capital Group Inc (ECPG) vs Upstart Holdings, Inc. (UPST)

Encore Capital Group Inc and Upstart Holdings, Inc. are both Credit Services companies. Encore Capital Group Inc is the larger, with a market value of $2.7B against $2.2B — 1.2× the size. Encore Capital Group Inc trades at the lower P/E: 7.0× against 37.7×. Encore Capital Group Inc grew revenue faster over the last twelve months: 27.2% against 8.73%. Encore Capital Group Inc has the higher net margin (17.7% vs 4.82%) and the higher return on invested capital (5.49% vs 1.53%). Across the 19 metrics below, Encore Capital Group Inc leads on 15 and Upstart Holdings, Inc. on 4.

Valuation

Metric ECPG UPST Credit Services median
P/E 7.00 37.68 9.34
P/S 1.22 1.84 0.99
P/B 2.24 2.65 1.22
Price to free cash flow 12.79 n/m 2.53
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 14.28% 2.65% 7.19%
Free cash flow yield 7.82% (6.07%) 11.96%

Profitability

Metric ECPG UPST Credit Services median
Gross margin 100.00% 82.26% 77.36%
Operating margin 0.00% 3.24% 0.34%
Net margin 17.67% 4.82% 8.35%
Free cash flow margin 9.53% (11.15%) 8.73%
Return on equity 34.55% 7.20% 7.66%
Return on assets 6.41% 1.89% 1.94%
Return on invested capital 5.49% 1.53% 4.85%

Growth

Metric ECPG UPST Credit Services median
Revenue growth (TTM) 27.20% 8.73% 4.49%
EPS growth (last fiscal year) 287.14% 131.25% 21.94%
Revenue growth, 5-year CAGR 3.33% 34.93% 9.22%
Net income growth, 5-year CAGR 3.93% 55.04% 0.00%

Health

Metric ECPG UPST Credit Services median
Debt to equity 3.93 2.29 0.61
Current ratio 0.62 0.55 1.26
Net debt to EBITDA 0.00 10.83 0.11

Dividend

Metric ECPG UPST Credit Services median
Dividend yield — — 1.66%
Payout ratio — — 0.22

Size

Metric ECPG UPST Credit Services median
Market cap 2.68b 2.19b 768.78m

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