Compare $ECPG vs $ENVA | Chartloom

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$ECPG vs $ENVA

Encore Capital Group Inc · Enova International Inc

ECPG

Encore Capital Group Inc

ENVA

Enova International Inc

Compare $ECPG vs $ENVA

Comparing Encore Capital Group Inc and Enova International Inc

ECPGEncore Capital Group Inc

ENVAEnova International Inc

ECPGEncore Capital Group Inc

Market cap

$2.14B

P/E (TTM)

7.54x

Forward P/E (NTM)

7.01x

Forward P/S (NTM)

1.10x

Rev growth (TTM)

29.5%

YTD performance

78.4%

52W performance

133.8%

FCF yield

5.9%

ENVAEnova International Inc

Market cap

$4.43B

P/E (TTM)

13.16x

Forward P/E (NTM)

9.08x

Forward P/S (NTM)

1.02x

Rev growth (TTM)

22.5%

YTD performance

9.9%

52W performance

64.6%

FCF yield

44.0%

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Relative performance

Each ticker starts at 100. 110 means +10% from the start of this window — not a $110 share price.

ECPG

ENVA

Detailed metrics comparison

ECPG

Encore Capital Group Inc

ENVA

Enova International Inc

Market Cap

ECPG$2.14B

ENVA$4.43B

Enterprise Value

ECPG$6.14B

ENVA$9.33B

Price

ECPG$99.77

ENVA$178.07

P/E Ratio

ECPG7.54x

ENVA13.16x

P/S Ratio

ECPG1.13x

ENVA2.15x

EV/Sales

ECPG3.23x

ENVA4.53x

EV/EBITDA

ECPG8.23x

ENVA10.76x

P/B Ratio

ECPG1.89x

ENVA2.88x

P/FCF Ratio

ECPG17.09x

ENVA2.27x

EV/FCF

ECPG49.03x

ENVA4.78x

PEG Ratio

ECPGN/A

ENVA0.29x

Forward P/E (NTM)

ECPG7.01x

ENVA9.08x

Forward P/S (NTM)

ECPG1.10x

ENVA1.02x

Revenue (TTM)

ECPG$1.90B

ENVA$2.06B

Revenue Growth (YoY)

ECPG29.5%

ENVA22.5%

Forward Rev Growth

ECPG1.3%

ENVA18.4%

Gross Margin (TTM)

ECPG80.0%

ENVA100.0%

Operating Margin (TTM)

ECPG36.0%

ENVA40.2%

EBITDA Margin (TTM)

ECPG39.2%

ENVA42.1%

Net Margin (TTM)

ECPG15.9%

ENVA17.3%

FCF Margin (TTM)

ECPG6.6%

ENVA94.8%

Net Income (TTM)

ECPG$302M

ENVA$355M

FCF (TTM)

ECPG$125M

ENVA$1.95B

EPS (TTM)

ECPG$13.23

ENVA$13.53

ROE (TTM)

ECPG29.8%

ENVA25.8%

ROA (TTM)

ECPG5.6%

ENVA5.4%

ROIC (TTM)

ECPG6.0%

ENVA5.9%

Cash

ECPG$183M

ENVA$122M

Debt

ECPG$4.18B

ENVA$5.01B

Net Cash/Debt

ECPG$-4.00B

ENVA$-4.89B

Current Ratio (TTM)

ECPG1.29x

ENVA20.16x

Quick Ratio (TTM)

ECPG1.11x

ENVA20.16x

Debt/Equity (TTM)

ECPG3.87x

ENVA3.35x

Debt/Assets (TTM)

ECPG0.0%

ENVA0.0%

Interest Coverage (TTM)

ECPGN/A

ENVAN/A

Net Debt/EBITDA (TTM)

ECPG0.00x

ENVA0.00x

Beta

ECPG1.32

ENVA1.40

52W Performance

ECPG133.8%

ENVA64.6%

YTD Performance

ECPG78.4%

ENVA9.9%

% from 52W High

ECPG-5.0%

ENVA-33.4%

% from 52W Low

ECPG149.7%

ENVA72.8%

Asset Turnover (TTM)

ECPG0.35x

ENVA0.31x

FCF Yield (TTM)

ECPG5.9%

ENVA44.0%

Earnings Yield (TTM)

ECPG14.1%

ENVA8.0%

Dividend Yield (TTM)

ECPGN/A

ENVAN/A

Rule of 40

ECPG36.1

ENVA117.3

EV/GP/RG

ECPG1.89

ENVA0.04

Ticker research

View ECPG research View ENVA research

Metric	ECPG Encore Capital Group Inc	ENVA Enova International Inc
Market & Valuation
Market Cap	$2.14B	$4.43B
Enterprise Value	$6.14B	$9.33B
Price	$99.77	$178.07
P/E Ratio	7.54x	13.16x
P/S Ratio	1.13x	2.15x
EV/Sales	3.23x	4.53x
EV/EBITDA	8.23x	10.76x
P/B Ratio	1.89x	2.88x
P/FCF Ratio	17.09x	2.27x
EV/FCF	49.03x	4.78x
PEG Ratio	N/A	0.29x
Forward P/E (NTM)	7.01x	9.08x
Forward P/S (NTM)	1.10x	1.02x
Revenue & Growth
Revenue (TTM)	$1.90B	$2.06B
Revenue Growth (YoY)	29.5%	22.5%
Forward Rev Growth	1.3%	18.4%
Profitability
Gross Margin (TTM)	80.0%	100.0%
Operating Margin (TTM)	36.0%	40.2%
EBITDA Margin (TTM)	39.2%	42.1%
Net Margin (TTM)	15.9%	17.3%
FCF Margin (TTM)	6.6%	94.8%
Net Income (TTM)	$302M	$355M
FCF (TTM)	$125M	$1.95B
EPS (TTM)	$13.23	$13.53
ROE (TTM)	29.8%	25.8%
ROA (TTM)	5.6%	5.4%
ROIC (TTM)	6.0%	5.9%
Financial Health
Cash	$183M	$122M
Debt	$4.18B	$5.01B
Net Cash/Debt	$-4.00B	$-4.89B
Current Ratio (TTM)	1.29x	20.16x
Quick Ratio (TTM)	1.11x	20.16x
Debt/Equity (TTM)	3.87x	3.35x
Debt/Assets (TTM)	0.0%	0.0%
Interest Coverage (TTM)	N/A	N/A
Net Debt/EBITDA (TTM)	0.00x	0.00x
Performance
Beta	1.32	1.40
52W Performance	133.8%	64.6%
YTD Performance	78.4%	9.9%
% from 52W High	-5.0%	-33.4%
% from 52W Low	149.7%	72.8%
Efficiency & Yields
Asset Turnover (TTM)	0.35x	0.31x
FCF Yield (TTM)	5.9%	44.0%
Earnings Yield (TTM)	14.1%	8.0%
Dividend Yield (TTM)	N/A	N/A
Other
Rule of 40	36.1	117.3
EV/GP/RG	1.89	0.04
Ticker research	View ECPG research	View ENVA research

Valuation

P/E Ratio

ECPG

7.54x

ENVA

13.16x

P/S Ratio

ECPG

1.13x

ENVA

2.15x

EV/FCF

ENVA

4.78x

ECPG

49.03x

Growth & revenue

Revenue Growth TTM

ECPG

29.5%

ENVA

22.5%

Forward Revenue Growth

ENVA

18.4%

ECPG

1.3%

Profitability & performance

Gross Margin

ENVA

100.0%

ECPG

80.0%

ROE

ECPG

29.8%

ENVA

25.8%

FCF Yield %

ENVA

44.0%

ECPG

5.9%

52-Week Performance

ECPG

133.8%

ENVA

64.6%

Detailed metrics comparison

ECPG

Encore Capital Group Inc

ENVA

Enova International Inc

Market Cap

ECPG$2.14B

ENVA$4.43B

Enterprise Value

ECPG$6.14B

ENVA$9.33B

Price

ECPG$99.77

ENVA$178.07

P/E Ratio

ECPG7.54x

ENVA13.16x

P/S Ratio

ECPG1.13x

ENVA2.15x

EV/Sales

ECPG3.23x

ENVA4.53x

EV/EBITDA

ECPG8.23x

ENVA10.76x

P/B Ratio

ECPG1.89x

ENVA2.88x

P/FCF Ratio

ECPG17.09x

ENVA2.27x

EV/FCF

ECPG49.03x

ENVA4.78x

PEG Ratio

ECPGN/A

ENVA0.29x

Forward P/E (NTM)

ECPG7.01x

ENVA9.08x

Forward P/S (NTM)

ECPG1.10x

ENVA1.02x

Revenue (TTM)

ECPG$1.90B

ENVA$2.06B

Revenue Growth (YoY)

ECPG29.5%

ENVA22.5%

Forward Rev Growth

ECPG1.3%

ENVA18.4%

Gross Margin (TTM)

ECPG80.0%

ENVA100.0%

Operating Margin (TTM)

ECPG36.0%

ENVA40.2%

EBITDA Margin (TTM)

ECPG39.2%

ENVA42.1%

Net Margin (TTM)

ECPG15.9%

ENVA17.3%

FCF Margin (TTM)

ECPG6.6%

ENVA94.8%

Net Income (TTM)

ECPG$302M

ENVA$355M

FCF (TTM)

ECPG$125M

ENVA$1.95B

EPS (TTM)

ECPG$13.23

ENVA$13.53

ROE (TTM)

ECPG29.8%

ENVA25.8%

ROA (TTM)

ECPG5.6%

ENVA5.4%

ROIC (TTM)

ECPG6.0%

ENVA5.9%

Cash

ECPG$183M

ENVA$122M

Debt

ECPG$4.18B

ENVA$5.01B

Net Cash/Debt

ECPG$-4.00B

ENVA$-4.89B

Current Ratio (TTM)

ECPG1.29x

ENVA20.16x

Quick Ratio (TTM)

ECPG1.11x

ENVA20.16x

Debt/Equity (TTM)

ECPG3.87x

ENVA3.35x

Debt/Assets (TTM)

ECPG0.0%

ENVA0.0%

Interest Coverage (TTM)

ECPGN/A

ENVAN/A

Net Debt/EBITDA (TTM)

ECPG0.00x

ENVA0.00x

Beta

ECPG1.32

ENVA1.40

52W Performance

ECPG133.8%

ENVA64.6%

YTD Performance

ECPG78.4%

ENVA9.9%

% from 52W High

ECPG-5.0%

ENVA-33.4%

% from 52W Low

ECPG149.7%

ENVA72.8%

Asset Turnover (TTM)

ECPG0.35x

ENVA0.31x

FCF Yield (TTM)

ECPG5.9%

ENVA44.0%

Earnings Yield (TTM)

ECPG14.1%

ENVA8.0%

Dividend Yield (TTM)

ECPGN/A

ENVAN/A

Rule of 40

ECPG36.1

ENVA117.3

EV/GP/RG

ECPG1.89

ENVA0.04

Ticker research

View ECPG research View ENVA research

Metric	ECPG Encore Capital Group Inc	ENVA Enova International Inc
Market & Valuation
Market Cap	$2.14B	$4.43B
Enterprise Value	$6.14B	$9.33B
Price	$99.77	$178.07
P/E Ratio	7.54x	13.16x
P/S Ratio	1.13x	2.15x
EV/Sales	3.23x	4.53x
EV/EBITDA	8.23x	10.76x
P/B Ratio	1.89x	2.88x
P/FCF Ratio	17.09x	2.27x
EV/FCF	49.03x	4.78x
PEG Ratio	N/A	0.29x
Forward P/E (NTM)	7.01x	9.08x
Forward P/S (NTM)	1.10x	1.02x
Revenue & Growth
Revenue (TTM)	$1.90B	$2.06B
Revenue Growth (YoY)	29.5%	22.5%
Forward Rev Growth	1.3%	18.4%
Profitability
Gross Margin (TTM)	80.0%	100.0%
Operating Margin (TTM)	36.0%	40.2%
EBITDA Margin (TTM)	39.2%	42.1%
Net Margin (TTM)	15.9%	17.3%
FCF Margin (TTM)	6.6%	94.8%
Net Income (TTM)	$302M	$355M
FCF (TTM)	$125M	$1.95B
EPS (TTM)	$13.23	$13.53
ROE (TTM)	29.8%	25.8%
ROA (TTM)	5.6%	5.4%
ROIC (TTM)	6.0%	5.9%
Financial Health
Cash	$183M	$122M
Debt	$4.18B	$5.01B
Net Cash/Debt	$-4.00B	$-4.89B
Current Ratio (TTM)	1.29x	20.16x
Quick Ratio (TTM)	1.11x	20.16x
Debt/Equity (TTM)	3.87x	3.35x
Debt/Assets (TTM)	0.0%	0.0%
Interest Coverage (TTM)	N/A	N/A
Net Debt/EBITDA (TTM)	0.00x	0.00x
Performance
Beta	1.32	1.40
52W Performance	133.8%	64.6%
YTD Performance	78.4%	9.9%
% from 52W High	-5.0%	-33.4%
% from 52W Low	149.7%	72.8%
Efficiency & Yields
Asset Turnover (TTM)	0.35x	0.31x
FCF Yield (TTM)	5.9%	44.0%
Earnings Yield (TTM)	14.1%	8.0%
Dividend Yield (TTM)	N/A	N/A
Other
Rule of 40	36.1	117.3
EV/GP/RG	1.89	0.04
Ticker research	View ECPG research	View ENVA research