Go Pro

Encore Capital Group (ECPG) Competitors

Encore Capital Group logo
$101.21 +3.07 (+3.13%)
As of 08/21/2026 04:00 PM Eastern

ECPG vs. PRAA, OMF, ENVA, CACC, 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), Enova International (ENVA), Credit Acceptance (CACC), 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 superior stock? We will contrast the two businesses based on the strength of their institutional ownership, earnings, profitability, risk, analyst recommendations, valuation, dividends and media sentiment.

97.2% of PRA Group shares are held by institutional investors. 3.0% of Encore Capital Group shares are held by insiders. Comparatively, 2.2% of PRA Group shares are held 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.

In the previous week, Encore Capital Group had 6 more articles in the media than PRA Group. MarketBeat recorded 7 mentions for Encore Capital Group and 1 mentions for PRA Group. Encore Capital Group's average media sentiment score of 0.98 beat PRA Group's score of 0.00 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
4 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive
PRA Group
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 currently has a consensus price target of $89.75, indicating a potential downside of 11.32%. PRA Group has a consensus price target of $26.00, indicating a potential upside of 32.79%. 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

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$1.77B1.21$256.83M$13.217.66
PRA Group$1.20B0.61-$305.14M-$6.73N/A

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%

Encore Capital Group has a beta of 1.27, suggesting that its share price is 27% more volatile than the broader market. Comparatively, PRA Group has a beta of 1.11, suggesting that its share price is 11% more volatile than the broader market.

Summary

Encore Capital Group beats PRA Group on 14 of the 16 factors compared between the two stocks.

How does Encore Capital Group compare to OneMain?

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

Encore Capital Group has a beta of 1.27, suggesting that its stock price is 27% more volatile than the broader market. Comparatively, OneMain has a beta of 1.21, suggesting that its stock price is 21% more volatile than the broader market.

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
Encore Capital Group15.86% 29.83% 5.58%
OneMain 13.92%23.49%2.92%

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
Encore Capital Group$1.77B1.21$256.83M$13.217.66
OneMain$5.46B1.33$783M$6.649.53

Encore Capital Group presently has a consensus target price of $89.75, suggesting a potential downside of 11.32%. OneMain has a consensus target price of $68.40, suggesting a potential upside of 8.13%. Given OneMain's higher probable upside, analysts clearly believe OneMain 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
OneMain
1 Sell rating(s)
3 Hold rating(s)
8 Buy rating(s)
0 Strong Buy rating(s)
2.58

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

In the previous week, Encore Capital Group had 3 more articles in the media than OneMain. MarketBeat recorded 7 mentions for Encore Capital Group and 4 mentions for OneMain. OneMain's average media sentiment score of 1.57 beat Encore Capital Group's score of 0.98 indicating that OneMain is being referred to more favorably in the news media.

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

Summary

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

How does Encore Capital Group compare to Enova International?

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

Enova International presently has a consensus target price of $247.83, indicating a potential upside of 1.89%. Encore Capital Group has a consensus target price of $89.75, indicating a potential downside of 11.32%. Given Enova International's higher possible upside, analysts plainly believe Enova International is more favorable than Encore Capital Group.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Enova International
0 Sell rating(s)
0 Hold rating(s)
8 Buy rating(s)
1 Strong Buy rating(s)
3.11
Encore Capital Group
0 Sell rating(s)
0 Hold rating(s)
5 Buy rating(s)
1 Strong Buy rating(s)
3.17

Encore Capital Group has a net margin of 15.86% compared to Enova International's net margin of 10.31%. Encore Capital Group's return on equity of 29.83% beat Enova International's return on equity.

Company Net Margins Return on Equity Return on Assets
Enova International10.31% 26.66% 5.55%
Encore Capital Group 15.86%29.83%5.58%

89.4% of Enova International shares are held by institutional investors. 8.4% of Enova International shares are held by insiders. Comparatively, 3.0% of Encore Capital Group shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Enova International$3.15B1.92$308.39M$13.4918.03
Encore Capital Group$1.77B1.21$256.83M$13.217.66

In the previous week, Enova International had 1 more articles in the media than Encore Capital Group. MarketBeat recorded 8 mentions for Enova International and 7 mentions for Encore Capital Group. Enova International's average media sentiment score of 1.00 beat Encore Capital Group's score of 0.98 indicating that Enova International is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Enova International
5 Very Positive mention(s)
0 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Encore Capital Group
4 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive

Enova International has a beta of 1.22, meaning that its stock price is 22% more volatile than the broader market. Comparatively, Encore Capital Group has a beta of 1.27, meaning that its stock price is 27% more volatile than the broader market.

Summary

Enova International beats Encore Capital Group on 11 of the 16 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 mid-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their earnings, analyst recommendations, valuation, risk, media sentiment, dividends, institutional ownership and profitability.

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

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
Credit Acceptance21.54% 31.67% 5.68%
Encore Capital Group 15.86%29.83%5.58%

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$2.32B2.71$423.90M$45.4813.22
Encore Capital Group$1.77B1.21$256.83M$13.217.66

Credit Acceptance has a beta of 1.37, suggesting that its share price is 37% more volatile than the broader market. Comparatively, Encore Capital Group has a beta of 1.27, suggesting that its share price is 27% more volatile than the broader market.

In the previous week, Encore Capital Group had 3 more articles in the media than Credit Acceptance. MarketBeat recorded 7 mentions for Encore Capital Group and 4 mentions for Credit Acceptance. Credit Acceptance's average media sentiment score of 1.38 beat Encore Capital Group's score of 0.98 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
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
4 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive

Credit Acceptance currently has a consensus target price of $570.00, indicating a potential downside of 5.17%. Encore Capital Group has a consensus target price of $89.75, indicating a potential downside of 11.32%. Given Credit Acceptance's higher probable upside, equities research analysts plainly believe Credit Acceptance is more favorable than Encore Capital Group.

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

Summary

Credit Acceptance beats Encore Capital Group on 13 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 better stock? We will compare the two companies based on the strength of their media sentiment, earnings, risk, valuation, profitability, institutional ownership, dividends and analyst recommendations.

Encore Capital Group presently has a consensus target price of $89.75, suggesting a potential downside of 11.32%. SLM has a consensus target price of $29.80, suggesting a potential upside of 12.62%. 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)
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

Encore Capital Group has a beta of 1.27, suggesting that its share price is 27% more volatile than the broader market. Comparatively, SLM has a beta of 0.96, suggesting that its share price is 4% less volatile than the broader market.

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%

In the previous week, Encore Capital Group had 2 more articles in the media than SLM. MarketBeat recorded 7 mentions for Encore Capital Group and 5 mentions for SLM. SLM's average media sentiment score of 1.83 beat Encore Capital Group's score of 0.98 indicating that SLM is being referred to more favorably in the news media.

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

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$1.77B1.21$256.83M$13.217.66
SLM$2.63B1.89$744.85M$3.587.39

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 large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Summary

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

Get Encore Capital Group News Delivered to You Automatically

Sign up to receive the latest news and ratings for ECPG and its competitors with MarketBeat's FREE daily newsletter.

Subscribe Now
SMS is currently available in Australia, Belgium, Canada, France, Germany, Ireland, Italy, New Zealand, the Netherlands, Singapore, South Africa, Spain, Switzerland, the United Kingdom, and the United States. By entering your phone number and clicking the sign-up button, you agree to receive periodic text messages from MarketBeat at the phone number you submitted, including texts that may be sent using an automatic telephone dialing system. Message and data rates may apply. Message frequency will vary. Messages will consist of stock alerts, news stories, and partner advertisements/offers. Consent is not a condition of the purchase of any goods or services. Text HELP for help/customer support. Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy.

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.
Skip Chart

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.
Skip Chart

ECPG vs. The Competition

MetricEncore Capital GroupConsumer Finance IndustryFinance SectorNASDAQ Exchange
Market Cap$2.15B$7.50B$13.63B$12.83B
Dividend YieldN/A12.27%5.89%10.78%
P/E Ratio7.669.1829.6124.21
Price / Sales1.2178.62522.0196.46
Price / Cash7.9011.8230.7136.90
Price / Book2.312.702.846.42
Net Income$256.83M$442.63M$1.31B$348.89M
7 Day Performance-2.44%-0.51%-0.30%0.08%
1 Month Performance18.19%2.24%2.37%3.88%
1 Year Performance139.55%8.79%9.68%16.98%

Encore Capital Group Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
ECPG
Encore Capital Group
3.4781 of 5 stars
$101.21
+3.1%
$89.75
-11.3%
+139.6%$2.15B$1.77B7.667,350
PRAA
PRA Group
2.5326 of 5 stars
$20.03
-1.0%
$26.00
+29.8%
+12.9%$754.66M$1.20BN/A2,615
OMF
OneMain
4.947 of 5 stars
$66.08
+1.4%
$68.40
+3.5%
+5.2%$7.59B$5.12B9.949,300
ENVA
Enova International
3.8483 of 5 stars
$265.25
+0.5%
$247.83
-6.6%
+113.5%$6.60B$3.15B19.651,836
CACC
Credit Acceptance
2.4458 of 5 stars
$575.81
+0.5%
$570.00
-1.0%
+18.7%$6.02B$2.32B12.662,499

Related Companies and Tools


This page (NASDAQ:ECPG) was last updated on 8/23/2026 by MarketBeat.com Staff.
From Our Partners