Encore Capital Group (ECPG) Competitors

Encore Capital Group logo
$85.90 +1.95 (+2.32%)
As of 06/23/2026 04:00 PM Eastern

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

Should you buy Encore Capital Group stock or one of its competitors? MarketBeat compares Encore Capital Group with other companies and stocks that may be similar based on industry, sector, market capitalization, business model, investor interest, or shared news coverage. Companies and stocks commonly compared with Encore Capital Group include PRA Group (PRAA), Credit Acceptance (CACC), Nelnet (NNI), SLM (SLM), and EZCORP (EZPW). 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 small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their institutional ownership, profitability, analyst recommendations, media sentiment, valuation, earnings, risk and dividends.

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$1.77B1.04$256.83M$12.896.66
PRA Group$1.20B0.56-$305.14M-$7.16N/A

Encore Capital Group currently has a consensus price target of $88.00, indicating a potential upside of 2.44%. PRA Group has a consensus price target of $25.00, indicating a potential upside of 42.05%. Given PRA Group's higher possible 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)
1 Hold rating(s)
4 Buy rating(s)
1 Strong Buy rating(s)
3.00
PRA Group
1 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.00

97.2% of PRA Group shares are held by institutional investors. 3.0% of Encore Capital Group shares are held by company insiders. Comparatively, 2.2% of PRA Group shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Encore Capital Group has a net margin of 16.00% compared to PRA Group's net margin of -22.51%. Encore Capital Group's return on equity of 30.70% beat PRA Group's return on equity.

Company Net Margins Return on Equity Return on Assets
Encore Capital Group16.00% 30.70% 5.58%
PRA Group -22.51%13.19%2.85%

Encore Capital Group has a beta of 1.3, meaning that its share price is 30% more volatile than the broader market. Comparatively, PRA Group has a beta of 1.14, meaning that its share price is 14% more volatile than the broader market.

In the previous week, Encore Capital Group had 1 more articles in the media than PRA Group. MarketBeat recorded 3 mentions for Encore Capital Group and 2 mentions for PRA Group. Encore Capital Group's average media sentiment score of 0.76 beat PRA Group's score of 0.60 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
0 Very Positive mention(s)
1 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
PRA Group
0 Very Positive mention(s)
1 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Summary

Encore Capital Group beats PRA Group on 15 of the 17 factors compared between the two stocks.

How does Encore Capital Group compare to Credit Acceptance?

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

Credit Acceptance has a net margin of 19.49% compared to Encore Capital Group's net margin of 16.00%. Encore Capital Group's return on equity of 30.70% beat Credit Acceptance's return on equity.

Company Net Margins Return on Equity Return on Assets
Credit Acceptance19.49% 29.95% 5.33%
Encore Capital Group 16.00%30.70%5.58%

In the previous week, Credit Acceptance had 1 more articles in the media than Encore Capital Group. MarketBeat recorded 4 mentions for Credit Acceptance and 3 mentions for Encore Capital Group. Credit Acceptance's average media sentiment score of 1.47 beat Encore Capital Group's score of 0.76 indicating that Credit Acceptance is being referred to more favorably in the media.

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

Credit Acceptance presently has a consensus target price of $520.00, indicating a potential downside of 11.86%. Encore Capital Group has a consensus target price of $88.00, indicating a potential upside of 2.44%. Given Encore Capital Group's stronger consensus rating and higher probable upside, analysts plainly believe Encore Capital Group is more favorable than Credit Acceptance.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Credit Acceptance
0 Sell rating(s)
4 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00
Encore Capital Group
0 Sell rating(s)
1 Hold rating(s)
4 Buy rating(s)
1 Strong Buy rating(s)
3.00

Credit Acceptance has a beta of 1.38, indicating that its stock price is 38% 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.

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
Credit Acceptance$2.32B2.66$423.90M$40.2414.66
Encore Capital Group$1.77B1.04$256.83M$12.896.66

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

Summary

Credit Acceptance beats Encore Capital Group on 11 of the 17 factors compared between the two stocks.

How does Encore Capital Group compare to Nelnet?

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

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
Encore Capital Group$1.77B1.04$256.83M$12.896.66
Nelnet$2.26B2.07$428.47M$11.4811.32

Encore Capital Group has a beta of 1.3, indicating that its share price is 30% more volatile than the broader market. Comparatively, Nelnet has a beta of 0.79, indicating that its share price is 21% less volatile than the broader market.

Encore Capital Group currently has a consensus price target of $88.00, indicating a potential upside of 2.44%. Nelnet has a consensus price target of $140.00, indicating a potential upside of 7.69%. Given Nelnet's higher possible upside, analysts clearly believe Nelnet 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)
1 Hold rating(s)
4 Buy rating(s)
1 Strong Buy rating(s)
3.00
Nelnet
0 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.33

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

Nelnet has a net margin of 18.45% compared to Encore Capital Group's net margin of 16.00%. Encore Capital Group's return on equity of 30.70% beat Nelnet's return on equity.

Company Net Margins Return on Equity Return on Assets
Encore Capital Group16.00% 30.70% 5.58%
Nelnet 18.45%11.73%2.99%

In the previous week, Encore Capital Group had 3 more articles in the media than Nelnet. MarketBeat recorded 3 mentions for Encore Capital Group and 0 mentions for Nelnet. Encore Capital Group's average media sentiment score of 0.76 beat Nelnet's score of 0.00 indicating that Encore Capital Group is being referred to more favorably in the media.

Company Overall Sentiment
Encore Capital Group Positive
Nelnet Neutral

Summary

Encore Capital Group beats Nelnet on 9 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 finance companies, but which is the better stock? We will compare the two businesses based on the strength of their dividends, institutional ownership, risk, valuation, earnings, profitability, media sentiment and analyst recommendations.

SLM has a net margin of 26.42% compared to Encore Capital Group's net margin of 16.00%. SLM's return on equity of 34.80% beat Encore Capital Group's return on equity.

Company Net Margins Return on Equity Return on Assets
Encore Capital Group16.00% 30.70% 5.58%
SLM 26.42%34.80%2.53%

98.9% of SLM shares are owned by institutional investors. 3.0% of Encore Capital Group shares are owned by insiders. Comparatively, 1.4% of SLM shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

In the previous week, Encore Capital Group and Encore Capital Group both had 3 articles in the media. Encore Capital Group's average media sentiment score of 0.76 beat SLM's score of 0.19 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
0 Very Positive mention(s)
1 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)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

Encore Capital Group has a beta of 1.3, indicating that its share price is 30% more volatile than the broader market. Comparatively, SLM has a beta of 0.98, indicating that its share price is 2% less volatile than the broader market.

Encore Capital Group presently has a consensus target price of $88.00, indicating a potential upside of 2.44%. SLM has a consensus target price of $29.80, indicating a potential upside of 28.23%. Given SLM's higher possible upside, analysts plainly 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)
1 Hold rating(s)
4 Buy rating(s)
1 Strong Buy rating(s)
3.00
SLM
1 Sell rating(s)
5 Hold rating(s)
6 Buy rating(s)
0 Strong Buy rating(s)
2.42

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$1.77B1.04$256.83M$12.896.66
SLM$2.63B1.67$744.85M$3.616.44

Summary

Encore Capital Group and SLM tied by winning 8 of the 16 factors compared between the two stocks.

How does Encore Capital Group compare to EZCORP?

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

Encore Capital Group currently has a consensus price target of $88.00, indicating a potential upside of 2.44%. EZCORP has a consensus price target of $37.25, indicating a potential upside of 15.04%. Given EZCORP's stronger consensus rating and higher probable upside, analysts clearly believe EZCORP 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)
1 Hold rating(s)
4 Buy rating(s)
1 Strong Buy rating(s)
3.00
EZCORP
0 Sell rating(s)
1 Hold rating(s)
4 Buy rating(s)
2 Strong Buy rating(s)
3.14

Encore Capital Group has a beta of 1.3, suggesting that its stock price is 30% more volatile than the broader market. Comparatively, EZCORP has a beta of 0.63, suggesting that its stock price is 37% less volatile than the broader market.

99.8% of EZCORP shares are owned by institutional investors. 3.0% of Encore Capital Group shares are owned by insiders. Comparatively, 2.1% of EZCORP shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Encore Capital Group has a net margin of 16.00% compared to EZCORP's net margin of 9.91%. Encore Capital Group's return on equity of 30.70% beat EZCORP's return on equity.

Company Net Margins Return on Equity Return on Assets
Encore Capital Group16.00% 30.70% 5.58%
EZCORP 9.91%13.45%7.15%

In the previous week, EZCORP had 2 more articles in the media than Encore Capital Group. MarketBeat recorded 5 mentions for EZCORP and 3 mentions for Encore Capital Group. EZCORP's average media sentiment score of 0.94 beat Encore Capital Group's score of 0.76 indicating that EZCORP is being referred to more favorably in the news media.

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

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Encore Capital Group$1.77B1.04$256.83M$12.896.66
EZCORP$1.27B1.56$109.61M$1.8417.60

Summary

EZCORP beats Encore Capital Group 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 GroupFIN IndustryFinance SectorNASDAQ Exchange
Market Cap$1.80B$10.85B$14.00B$12.38B
Dividend YieldN/A5.27%5.76%5.83%
P/E Ratio6.6615.6020.2423.99
Price / Sales1.041.78144.33106.93
Price / Cash6.5610.1019.5254.51
Price / Book1.962.032.256.50
Net Income$256.83M$421.66M$1.14B$336.88M
7 Day Performance3.94%2.59%0.59%-0.14%
1 Month Performance7.11%10.32%1.13%0.77%
1 Year Performance117.30%24.35%14.61%28.49%

Encore Capital Group Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
ECPG
Encore Capital Group
2.2441 of 5 stars
$85.90
+2.3%
$88.00
+2.4%
+120.5%$1.80B$1.77B6.667,350
PRAA
PRA Group
3.1703 of 5 stars
$15.50
flat
$25.00
+61.3%
+19.3%$591.17M$1.20BN/A2,615
CACC
Credit Acceptance
2.6875 of 5 stars
$571.71
-0.2%
$520.00
-9.0%
+17.9%$5.98B$2.32B14.212,499
NNI
Nelnet
3.3992 of 5 stars
$127.88
-1.9%
$140.00
+9.5%
+11.9%$4.68B$2.26B11.185,744
SLM
SLM
4.4131 of 5 stars
$22.22
+1.4%
$29.80
+34.1%
-26.7%$4.19B$2.63B6.161,788

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This page (NASDAQ:ECPG) was last updated on 6/24/2026 by MarketBeat.com Staff.
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