Compare $ECPG vs $SLM | Chartloom

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$ECPG vs $SLM

Encore Capital Group Inc · SLM Corp

ECPG

Encore Capital Group Inc

SLM

SLM Corp

Compare $ECPG vs $SLM

Comparing Encore Capital Group Inc and SLM Corp

ECPGEncore Capital Group Inc

SLMSLM Corp

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%

SLMSLM Corp

Market cap

$4.23B

P/E (TTM)

5.95x

Forward P/E (NTM)

7.28x

Forward P/S (NTM)

2.34x

Rev growth (TTM)

11.5%

YTD performance

-17.8%

52W performance

-15.2%

FCF yield

-7.7%

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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

SLM

Detailed metrics comparison

ECPG

Encore Capital Group Inc

SLM

SLM Corp

Market Cap

ECPG$2.14B

SLM$4.23B

Enterprise Value

ECPG$6.14B

SLM$10.08B

Price

ECPG$99.77

SLM$22.52

P/E Ratio

ECPG7.54x

SLM5.95x

P/S Ratio

ECPG1.13x

SLM2.16x

EV/Sales

ECPG3.23x

SLM5.14x

EV/EBITDA

ECPG8.23x

SLM10.05x

P/B Ratio

ECPG1.89x

SLM1.73x

P/FCF Ratio

ECPG17.09x

SLMN/A

EV/FCF

ECPG49.03x

SLM-31.04x

PEG Ratio

ECPGN/A

SLM1.37x

Forward P/E (NTM)

ECPG7.01x

SLM7.28x

Forward P/S (NTM)

ECPG1.10x

SLM2.34x

Revenue (TTM)

ECPG$1.90B

SLM$1.96B

Revenue Growth (YoY)

ECPG29.5%

SLM11.5%

Forward Rev Growth

ECPG1.3%

SLM9.1%

Gross Margin (TTM)

ECPG80.0%

SLM0.0%

Operating Margin (TTM)

ECPG36.0%

SLM26.7%

EBITDA Margin (TTM)

ECPG39.2%

SLM51.1%

Net Margin (TTM)

ECPG15.9%

SLM36.7%

FCF Margin (TTM)

ECPG6.6%

SLM-16.6%

Net Income (TTM)

ECPG$302M

SLM$721M

FCF (TTM)

ECPG$125M

SLM$-325M

EPS (TTM)

ECPG$13.23

SLM$3.78

ROE (TTM)

ECPG29.8%

SLM30.3%

ROA (TTM)

ECPG5.6%

SLM2.5%

ROIC (TTM)

ECPG6.0%

SLM8.6%

Cash

ECPG$183M

SLM$0

Debt

ECPG$4.18B

SLM$5.84B

Net Cash/Debt

ECPG$-4.00B

SLM$-5.84B

Current Ratio (TTM)

ECPG1.29x

SLM0.00x

Quick Ratio (TTM)

ECPG1.11x

SLM0.00x

Debt/Equity (TTM)

ECPG3.87x

SLM2.36x

Debt/Assets (TTM)

ECPG0.0%

SLM0.0%

Interest Coverage (TTM)

ECPGN/A

SLMN/A

Net Debt/EBITDA (TTM)

ECPG0.00x

SLM0.00x

Beta

ECPG1.32

SLM1.00

52W Performance

ECPG133.8%

SLM-15.2%

YTD Performance

ECPG78.4%

SLM-17.8%

% from 52W High

ECPG-5.0%

SLM-27.5%

% from 52W Low

ECPG149.7%

SLM26.7%

Asset Turnover (TTM)

ECPG0.35x

SLM0.00x

FCF Yield (TTM)

ECPG5.9%

SLM-7.7%

Earnings Yield (TTM)

ECPG14.1%

SLM17.0%

Dividend Yield (TTM)

ECPGN/A

SLM2.8%

Rule of 40

ECPG36.1

SLM-5.0

EV/GP/RG

ECPG1.89

SLMN/A

Ticker research

View ECPG research View SLM research

Metric	ECPG Encore Capital Group Inc	SLM SLM Corp
Market & Valuation
Market Cap	$2.14B	$4.23B
Enterprise Value	$6.14B	$10.08B
Price	$99.77	$22.52
P/E Ratio	7.54x	5.95x
P/S Ratio	1.13x	2.16x
EV/Sales	3.23x	5.14x
EV/EBITDA	8.23x	10.05x
P/B Ratio	1.89x	1.73x
P/FCF Ratio	17.09x	N/A
EV/FCF	49.03x	-31.04x
PEG Ratio	N/A	1.37x
Forward P/E (NTM)	7.01x	7.28x
Forward P/S (NTM)	1.10x	2.34x
Revenue & Growth
Revenue (TTM)	$1.90B	$1.96B
Revenue Growth (YoY)	29.5%	11.5%
Forward Rev Growth	1.3%	9.1%
Profitability
Gross Margin (TTM)	80.0%	0.0%
Operating Margin (TTM)	36.0%	26.7%
EBITDA Margin (TTM)	39.2%	51.1%
Net Margin (TTM)	15.9%	36.7%
FCF Margin (TTM)	6.6%	-16.6%
Net Income (TTM)	$302M	$721M
FCF (TTM)	$125M	$-325M
EPS (TTM)	$13.23	$3.78
ROE (TTM)	29.8%	30.3%
ROA (TTM)	5.6%	2.5%
ROIC (TTM)	6.0%	8.6%
Financial Health
Cash	$183M	$0
Debt	$4.18B	$5.84B
Net Cash/Debt	$-4.00B	$-5.84B
Current Ratio (TTM)	1.29x	0.00x
Quick Ratio (TTM)	1.11x	0.00x
Debt/Equity (TTM)	3.87x	2.36x
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	1.00
52W Performance	133.8%	-15.2%
YTD Performance	78.4%	-17.8%
% from 52W High	-5.0%	-27.5%
% from 52W Low	149.7%	26.7%
Efficiency & Yields
Asset Turnover (TTM)	0.35x	0.00x
FCF Yield (TTM)	5.9%	-7.7%
Earnings Yield (TTM)	14.1%	17.0%
Dividend Yield (TTM)	N/A	2.8%
Other
Rule of 40	36.1	-5.0
EV/GP/RG	1.89	N/A
Ticker research	View ECPG research	View SLM research

Valuation

P/E Ratio

SLM

5.95x

ECPG

7.54x

P/S Ratio

ECPG

1.13x

SLM

2.16x

EV/FCF

SLM

-31.04x

ECPG

49.03x

Growth & revenue

Revenue Growth TTM

ECPG

29.5%

SLM

11.5%

Forward Revenue Growth

SLM

9.1%

ECPG

1.3%

Profitability & performance

Gross Margin

ECPG

80.0%

SLM

0.0%

ROE

SLM

30.3%

ECPG

29.8%

FCF Yield %

ECPG

5.9%

SLM

-7.7%

52-Week Performance

ECPG

133.8%

SLM

-15.2%

Detailed metrics comparison

ECPG

Encore Capital Group Inc

SLM

SLM Corp

Market Cap

ECPG$2.14B

SLM$4.23B

Enterprise Value

ECPG$6.14B

SLM$10.08B

Price

ECPG$99.77

SLM$22.52

P/E Ratio

ECPG7.54x

SLM5.95x

P/S Ratio

ECPG1.13x

SLM2.16x

EV/Sales

ECPG3.23x

SLM5.14x

EV/EBITDA

ECPG8.23x

SLM10.05x

P/B Ratio

ECPG1.89x

SLM1.73x

P/FCF Ratio

ECPG17.09x

SLMN/A

EV/FCF

ECPG49.03x

SLM-31.04x

PEG Ratio

ECPGN/A

SLM1.37x

Forward P/E (NTM)

ECPG7.01x

SLM7.28x

Forward P/S (NTM)

ECPG1.10x

SLM2.34x

Revenue (TTM)

ECPG$1.90B

SLM$1.96B

Revenue Growth (YoY)

ECPG29.5%

SLM11.5%

Forward Rev Growth

ECPG1.3%

SLM9.1%

Gross Margin (TTM)

ECPG80.0%

SLM0.0%

Operating Margin (TTM)

ECPG36.0%

SLM26.7%

EBITDA Margin (TTM)

ECPG39.2%

SLM51.1%

Net Margin (TTM)

ECPG15.9%

SLM36.7%

FCF Margin (TTM)

ECPG6.6%

SLM-16.6%

Net Income (TTM)

ECPG$302M

SLM$721M

FCF (TTM)

ECPG$125M

SLM$-325M

EPS (TTM)

ECPG$13.23

SLM$3.78

ROE (TTM)

ECPG29.8%

SLM30.3%

ROA (TTM)

ECPG5.6%

SLM2.5%

ROIC (TTM)

ECPG6.0%

SLM8.6%

Cash

ECPG$183M

SLM$0

Debt

ECPG$4.18B

SLM$5.84B

Net Cash/Debt

ECPG$-4.00B

SLM$-5.84B

Current Ratio (TTM)

ECPG1.29x

SLM0.00x

Quick Ratio (TTM)

ECPG1.11x

SLM0.00x

Debt/Equity (TTM)

ECPG3.87x

SLM2.36x

Debt/Assets (TTM)

ECPG0.0%

SLM0.0%

Interest Coverage (TTM)

ECPGN/A

SLMN/A

Net Debt/EBITDA (TTM)

ECPG0.00x

SLM0.00x

Beta

ECPG1.32

SLM1.00

52W Performance

ECPG133.8%

SLM-15.2%

YTD Performance

ECPG78.4%

SLM-17.8%

% from 52W High

ECPG-5.0%

SLM-27.5%

% from 52W Low

ECPG149.7%

SLM26.7%

Asset Turnover (TTM)

ECPG0.35x

SLM0.00x

FCF Yield (TTM)

ECPG5.9%

SLM-7.7%

Earnings Yield (TTM)

ECPG14.1%

SLM17.0%

Dividend Yield (TTM)

ECPGN/A

SLM2.8%

Rule of 40

ECPG36.1

SLM-5.0

EV/GP/RG

ECPG1.89

SLMN/A

Ticker research

View ECPG research View SLM research

Metric	ECPG Encore Capital Group Inc	SLM SLM Corp
Market & Valuation
Market Cap	$2.14B	$4.23B
Enterprise Value	$6.14B	$10.08B
Price	$99.77	$22.52
P/E Ratio	7.54x	5.95x
P/S Ratio	1.13x	2.16x
EV/Sales	3.23x	5.14x
EV/EBITDA	8.23x	10.05x
P/B Ratio	1.89x	1.73x
P/FCF Ratio	17.09x	N/A
EV/FCF	49.03x	-31.04x
PEG Ratio	N/A	1.37x
Forward P/E (NTM)	7.01x	7.28x
Forward P/S (NTM)	1.10x	2.34x
Revenue & Growth
Revenue (TTM)	$1.90B	$1.96B
Revenue Growth (YoY)	29.5%	11.5%
Forward Rev Growth	1.3%	9.1%
Profitability
Gross Margin (TTM)	80.0%	0.0%
Operating Margin (TTM)	36.0%	26.7%
EBITDA Margin (TTM)	39.2%	51.1%
Net Margin (TTM)	15.9%	36.7%
FCF Margin (TTM)	6.6%	-16.6%
Net Income (TTM)	$302M	$721M
FCF (TTM)	$125M	$-325M
EPS (TTM)	$13.23	$3.78
ROE (TTM)	29.8%	30.3%
ROA (TTM)	5.6%	2.5%
ROIC (TTM)	6.0%	8.6%
Financial Health
Cash	$183M	$0
Debt	$4.18B	$5.84B
Net Cash/Debt	$-4.00B	$-5.84B
Current Ratio (TTM)	1.29x	0.00x
Quick Ratio (TTM)	1.11x	0.00x
Debt/Equity (TTM)	3.87x	2.36x
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	1.00
52W Performance	133.8%	-15.2%
YTD Performance	78.4%	-17.8%
% from 52W High	-5.0%	-27.5%
% from 52W Low	149.7%	26.7%
Efficiency & Yields
Asset Turnover (TTM)	0.35x	0.00x
FCF Yield (TTM)	5.9%	-7.7%
Earnings Yield (TTM)	14.1%	17.0%
Dividend Yield (TTM)	N/A	2.8%
Other
Rule of 40	36.1	-5.0
EV/GP/RG	1.89	N/A
Ticker research	View ECPG research	View SLM research