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Encore Capital Group (ECPG) Competitors

Encore Capital Group logo
$95.92 +1.62 (+1.72%)
Closing price 10/2/2026 04:00 PM Eastern
Extended Trading
$95.89 -0.03 (-0.03%)
As of 10/2/2026 07:30 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.

ECPG vs. PRAA, OMF, CACC, NNI, and SLM

Should you buy Encore Capital Group stock or one of its competitors? Encore Capital Group's main competitors and comparable companies include PRA Group (PRAA), OneMain (OMF), Credit Acceptance (CACC), Nelnet (NNI), and SLM (SLM). Companies are selected based on similarities in market, industry, and size. These companies are all part of the "consumer finance" industry.

How does Encore Capital Group compare to PRA Group?

Encore Capital Group (NASDAQ:ECPG) and PRA Group (NASDAQ:PRAA) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of their earnings, dividends, analyst recommendations, valuation, profitability, risk, institutional ownership and media sentiment.

Encore Capital Group has higher revenue and earnings than PRA Group. PRA Group is trading at a lower price-to-earnings ratio than Encore Capital Group, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Encore Capital Group$1.77B1.15$256.83M$13.217.26
PRA Group$1.20B0.59-$305.14M-$6.73N/A

Encore Capital Group presently has a consensus target price of $89.75, suggesting a potential downside of 6.43%. PRA Group has a consensus target price of $26.00, suggesting a potential upside of 37.78%. Given PRA Group's higher probable upside, analysts plainly believe PRA Group is more favorable than Encore Capital Group.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Encore Capital Group
0 Sell rating(s)
0 Hold rating(s)
5 Buy rating(s)
1 Strong Buy rating(s)
3.17
PRA Group
1 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
2.40

In the previous week, PRA Group had 12 more articles in the media than Encore Capital Group. MarketBeat recorded 16 mentions for PRA Group and 4 mentions for Encore Capital Group. Encore Capital Group's average media sentiment score of 0.99 beat PRA Group's score of 0.42 indicating that Encore Capital Group is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Encore Capital Group
3 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
PRA Group
5 Very Positive mention(s)
0 Positive mention(s)
11 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

Encore Capital Group has a net margin of 15.86% compared to PRA Group's net margin of -19.91%. Encore Capital Group's return on equity of 29.83% beat PRA Group's return on equity.

Company Net Margins Return on Equity Return on Assets
Encore Capital Group15.86% 29.83% 5.58%
PRA Group -19.91%15.56%3.18%

97.2% of PRA Group shares are owned by institutional investors. 3.0% of Encore Capital Group shares are owned by company insiders. Comparatively, 2.2% of PRA Group shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Encore Capital Group has a beta of 1.3, suggesting that its share price is 30% more volatile than the broader market. Comparatively, PRA Group has a beta of 1.13, suggesting that its share price is 13% more volatile than the broader market.

Summary

Encore Capital Group beats PRA Group on 13 of the 16 factors compared between the two stocks.

How does Encore Capital Group compare to OneMain?

OneMain (NYSE:OMF) and Encore Capital Group (NASDAQ:ECPG) are both mid-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their analyst recommendations, institutional ownership, media sentiment, dividends, risk, profitability, valuation and earnings.

85.8% of OneMain shares are owned by institutional investors. 0.3% of OneMain shares are owned by insiders. Comparatively, 3.0% of Encore Capital Group shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

In the previous week, OneMain had 11 more articles in the media than Encore Capital Group. MarketBeat recorded 15 mentions for OneMain and 4 mentions for Encore Capital Group. Encore Capital Group's average media sentiment score of 0.99 beat OneMain's score of 0.33 indicating that Encore Capital Group is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
OneMain
4 Very Positive mention(s)
3 Positive mention(s)
4 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Neutral
Encore Capital Group
3 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Encore Capital Group has a net margin of 15.86% compared to OneMain's net margin of 13.92%. Encore Capital Group's return on equity of 29.83% beat OneMain's return on equity.

Company Net Margins Return on Equity Return on Assets
OneMain13.92% 23.49% 2.92%
Encore Capital Group 15.86%29.83%5.58%

OneMain has higher revenue and earnings than Encore Capital Group. Encore Capital Group is trading at a lower price-to-earnings ratio than OneMain, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
OneMain$5.46B1.18$783M$6.648.43
Encore Capital Group$1.77B1.15$256.83M$13.217.26

OneMain has a beta of 1.24, indicating that its stock price is 24% more volatile than the broader market. Comparatively, Encore Capital Group has a beta of 1.3, indicating that its stock price is 30% more volatile than the broader market.

OneMain presently has a consensus price target of $67.73, indicating a potential upside of 20.93%. Encore Capital Group has a consensus price target of $89.75, indicating a potential downside of 6.43%. Given OneMain's higher probable upside, equities analysts clearly believe OneMain is more favorable than Encore Capital Group.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
OneMain
1 Sell rating(s)
3 Hold rating(s)
9 Buy rating(s)
0 Strong Buy rating(s)
2.62
Encore Capital Group
0 Sell rating(s)
0 Hold rating(s)
5 Buy rating(s)
1 Strong Buy rating(s)
3.17

Summary

Encore Capital Group beats OneMain on 9 of the 17 factors compared between the two stocks.

How does Encore Capital Group compare to Credit Acceptance?

Encore Capital Group (NASDAQ:ECPG) and Credit Acceptance (NASDAQ:CACC) are both mid-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their valuation, earnings, dividends, institutional ownership, profitability, analyst recommendations, risk and media sentiment.

Credit Acceptance has higher revenue and earnings than Encore Capital Group. Encore Capital Group is trading at a lower price-to-earnings ratio than Credit Acceptance, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Encore Capital Group$1.77B1.15$256.83M$13.217.26
Credit Acceptance$2.32B2.38$423.90M$45.4811.60

In the previous week, Encore Capital Group had 2 more articles in the media than Credit Acceptance. MarketBeat recorded 4 mentions for Encore Capital Group and 2 mentions for Credit Acceptance. Encore Capital Group's average media sentiment score of 0.99 beat Credit Acceptance's score of 0.96 indicating that Encore Capital Group is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Encore Capital Group
3 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Credit Acceptance
1 Very Positive mention(s)
1 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Encore Capital Group has a beta of 1.3, indicating that its stock price is 30% more volatile than the broader market. Comparatively, Credit Acceptance has a beta of 1.4, indicating that its stock price is 40% more volatile than the broader market.

Credit Acceptance has a net margin of 21.54% compared to Encore Capital Group's net margin of 15.86%. Credit Acceptance's return on equity of 31.67% beat Encore Capital Group's return on equity.

Company Net Margins Return on Equity Return on Assets
Encore Capital Group15.86% 29.83% 5.58%
Credit Acceptance 21.54%31.67%5.68%

81.7% of Credit Acceptance shares are owned by institutional investors. 3.0% of Encore Capital Group shares are owned by insiders. Comparatively, 6.1% of Credit Acceptance shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Encore Capital Group currently has a consensus price target of $89.75, indicating a potential downside of 6.43%. Credit Acceptance has a consensus price target of $570.00, indicating a potential upside of 8.06%. Given Credit Acceptance's higher probable upside, analysts plainly believe Credit Acceptance is more favorable than Encore Capital Group.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Encore Capital Group
0 Sell rating(s)
0 Hold rating(s)
5 Buy rating(s)
1 Strong Buy rating(s)
3.17
Credit Acceptance
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.25

Summary

Credit Acceptance beats Encore Capital Group on 12 of the 17 factors compared between the two stocks.

How does Encore Capital Group compare to Nelnet?

Nelnet (NYSE:NNI) and Encore Capital Group (NASDAQ:ECPG) are both mid-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their valuation, risk, earnings, profitability, analyst recommendations, institutional ownership, media sentiment and dividends.

Nelnet has higher revenue and earnings than Encore Capital Group. Encore Capital Group is trading at a lower price-to-earnings ratio than Nelnet, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Nelnet$2.26B1.97$428.47M$8.3614.86
Encore Capital Group$1.77B1.15$256.83M$13.217.26

In the previous week, Encore Capital Group had 3 more articles in the media than Nelnet. MarketBeat recorded 4 mentions for Encore Capital Group and 1 mentions for Nelnet. Encore Capital Group's average media sentiment score of 0.99 beat Nelnet's score of 0.00 indicating that Encore Capital Group is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Nelnet
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral
Encore Capital Group
3 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

33.5% of Nelnet shares are owned by institutional investors. 40.3% of Nelnet shares are owned by insiders. Comparatively, 3.0% of Encore Capital Group shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Encore Capital Group has a net margin of 15.86% compared to Nelnet's net margin of 14.35%. Encore Capital Group's return on equity of 29.83% beat Nelnet's return on equity.

Company Net Margins Return on Equity Return on Assets
Nelnet14.35% 8.26% 2.11%
Encore Capital Group 15.86%29.83%5.58%

Nelnet currently has a consensus target price of $140.00, suggesting a potential upside of 12.71%. Encore Capital Group has a consensus target price of $89.75, suggesting a potential downside of 6.43%. Given Nelnet's higher probable upside, equities research analysts clearly believe Nelnet is more favorable than Encore Capital Group.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Nelnet
1 Sell rating(s)
2 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
1.67
Encore Capital Group
0 Sell rating(s)
0 Hold rating(s)
5 Buy rating(s)
1 Strong Buy rating(s)
3.17

Nelnet has a beta of 0.77, meaning that its stock price is 23% less volatile than the broader market. Comparatively, Encore Capital Group has a beta of 1.3, meaning that its stock price is 30% more volatile than the broader market.

Summary

Encore Capital Group beats Nelnet on 10 of the 17 factors compared between the two stocks.

How does Encore Capital Group compare to SLM?

Encore Capital Group (NASDAQ:ECPG) and SLM (NASDAQ:SLM) are both mid-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their dividends, profitability, earnings, analyst recommendations, valuation, institutional ownership, media sentiment and risk.

In the previous week, Encore Capital Group had 3 more articles in the media than SLM. MarketBeat recorded 4 mentions for Encore Capital Group and 1 mentions for SLM. Encore Capital Group's average media sentiment score of 0.99 beat SLM's score of 0.55 indicating that Encore Capital Group is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Encore Capital Group
3 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
SLM
0 Very Positive mention(s)
1 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Encore Capital Group currently has a consensus target price of $89.75, suggesting a potential downside of 6.43%. SLM has a consensus target price of $29.80, suggesting a potential upside of 30.99%. Given SLM's higher probable upside, analysts clearly believe SLM is more favorable than Encore Capital Group.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Encore Capital Group
0 Sell rating(s)
0 Hold rating(s)
5 Buy rating(s)
1 Strong Buy rating(s)
3.17
SLM
1 Sell rating(s)
6 Hold rating(s)
5 Buy rating(s)
0 Strong Buy rating(s)
2.33

SLM has a net margin of 26.09% compared to Encore Capital Group's net margin of 15.86%. SLM's return on equity of 33.81% beat Encore Capital Group's return on equity.

Company Net Margins Return on Equity Return on Assets
Encore Capital Group15.86% 29.83% 5.58%
SLM 26.09%33.81%2.51%

SLM has higher revenue and earnings than Encore Capital Group. SLM is trading at a lower price-to-earnings ratio than Encore Capital Group, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Encore Capital Group$1.77B1.15$256.83M$13.217.26
SLM$2.63B1.63$744.85M$3.586.35

98.9% of SLM shares are owned by institutional investors. 3.0% of Encore Capital Group shares are owned by company insiders. Comparatively, 1.4% of SLM shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Encore Capital Group has a beta of 1.3, meaning that its share price is 30% more volatile than the broader market. Comparatively, SLM has a beta of 0.96, meaning that its share price is 4% less volatile than the broader market.

Summary

Encore Capital Group beats SLM on 9 of the 16 factors compared between the two stocks.

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New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding ECPG and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
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Media Sentiment Over Time

This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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ECPG vs. The Competition

MetricEncore Capital GroupConsumer Finance IndustryFinance SectorNASDAQ Exchange
Market Cap$2.03B$6.71B$13.12B$13.28B
Dividend YieldN/A12.83%6.03%17.33%
P/E Ratio7.268.4424.5126.04
Price / Sales1.1566.35501.33111.05
Price / Cash7.4911.1245.5152.62
Price / Book2.192.482.706.31
Net Income$256.83M$442.63M$1.32B$362.16M
7 Day Performance-2.53%-2.11%-1.04%-1.66%
1 Month Performance-1.42%-7.18%-3.20%-4.68%
1 Year Performance132.20%2.25%10.47%1.57%

Encore Capital Group Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
ECPG
Encore Capital Group
2.3745 of 5 stars
$95.92
+1.7%
$89.75
-6.4%
+132.2%$2.03B$1.77B7.267,350
PRAA
PRA Group
2.5612 of 5 stars
$19.13
-4.6%
$26.00
+35.9%
+27.1%$720.06M$1.20BN/A2,615
OMF
OneMain
4.9712 of 5 stars
$56.10
-0.2%
$68.27
+21.7%
-0.4%$6.45B$5.46B8.459,300
CACC
Credit Acceptance
1.9729 of 5 stars
$539.64
-1.9%
$570.00
+5.6%
+8.6%$5.65B$2.32B11.872,499
NNI
Nelnet
3.0242 of 5 stars
$124.40
+0.3%
$140.00
+12.5%
-4.2%$4.45B$2.26B14.885,744

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This page (NASDAQ:ECPG) was last updated on 10/4/2026 by MarketBeat.com Staff.
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