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Encore Capital Group Inc (ECPG) vs The Western Union Company (WU)

Encore Capital Group Inc and The Western Union Company 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. The Western Union Company trades at the lower P/E: 6.5× against 7.8×. Encore Capital Group Inc grew revenue faster over the last twelve months: 27.2% against −2.12%. Encore Capital Group Inc has the higher net margin (17.7% vs 8.32%) and the lower return on invested capital (0.00% vs 13.3%). Across the 20 metrics below, Encore Capital Group Inc leads on 10 and The Western Union Company on 10.

Valuation

Metric ECPG WU Credit Services median
P/E 7.75 6.46 8.96
P/S 1.35 0.54 1.00
P/B 2.48 2.43 1.23
Price to free cash flow 14.26 7.82 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 12.90% 15.48% 7.17%
Free cash flow yield 7.01% 12.79% 11.75%

Profitability

Metric ECPG WU Credit Services median
Gross margin 100.00% 34.14% 76.61%
Operating margin 0.00% 14.23% 0.34%
Net margin 17.67% 8.32% 8.35%
Free cash flow margin 8.89% 6.88% 8.73%
Return on equity 34.55% 36.76% 9.05%
Return on assets 6.41% 4.21% 1.94%
Return on invested capital 0.00% 13.32% 4.56%

Growth

Metric ECPG WU Credit Services median
Revenue growth (TTM) 27.20% (2.12%) 4.49%
EPS growth (last fiscal year) 287.14% (44.53%) 21.94%
Revenue growth, 5-year CAGR 3.33% (3.48%) 9.22%
Net income growth, 5-year CAGR 3.93% (7.66%) 0.00%

Health

Metric ECPG WU Credit Services median
Debt to equity 3.93 3.24 0.69
Current ratio 0.62 0.00 1.26
Net debt to EBITDA 0.00 1.78 0.11

Dividend

Metric ECPG WU Credit Services median
Dividend yield — 13.60% 1.64%
Payout ratio — 0.90 0.21

Size

Metric ECPG WU Credit Services median
Market cap 2.68b 2.19b 759.73m

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