ECPG vs JCAP: stock comparison and AI forecast
Encore Capital Group Inc (ECPG) and Jefferson Capital, Inc. / De (JCAP) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
ECPG Encore Capital Group Inc
- Price
- $126.17 +53.5% · 6M
- Market Cap
- $2.68B
- P/E Ratio
- 8.1x
- Size
- mid-cap
- AI Forecast
JCAP Jefferson Capital, Inc. / De
- Price
- $20.82 +2.1% · 6M
- Market Cap
- $1.20B
- P/E Ratio
- –
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Six-month price performance
Closing prices rebased to 100 at the start of the window.
Key facts
- ECPG is 2.2 times larger than JCAP by market capitalization ($2.68B against $1.20B).
- Over the last six months ECPG returned +53.5% and JCAP +2.1%.
- ECPG carries 4.27 times debt per unit of equity, against 3.38 times for JCAP.
- JCAP yields 5.07% in dividends; ECPG pays none.
- Both companies share the SEC industry classification Short-Term Business Credit Institutions.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | ECPG | JCAP |
|---|---|---|
| Market Cap | $2.68B | $1.20B |
| P/E Ratio | 8.11x | – |
| P/B Ratio | 2.48x | 2.51x |
| Dividend Yield | – | 5.07% |
| EPS | $15.55 | $-10.45 |
| Book Value/Share | $50.86 | $8.29 |
| Revenue/Share | $93.61 | $14.18 |
| FCF/Share | $7.14 | – |
Profitability & Margins
| Metric | ECPG | JCAP |
|---|---|---|
| ROE | 32.5% | – |
| ROA | 6.2% | – |
| Operating Margin | 39.0% | 48.1% |
| Net Margin | 17.7% | – |
| EBT Margin | 22.8% | 32.0% |
| Tax Rate | 22.6% | 16.0% |
Financial Health
| Metric | ECPG | JCAP |
|---|---|---|
| D/E Ratio | 4.27x | 3.38x |
| Financial Leverage | 5.27x | 4.38x |
| Interest Coverage | 6.6x | 2.8x |
Cash Flow
| Metric | ECPG | JCAP |
|---|---|---|
| Operating Cash Flow | $176M | $221M |
| Free Cash Flow | $151M | – |
| Capital Spending | -$25M | – |
| OCF Growth YoY | 10.3% | – |
| FCF Growth YoY | 14.7% | – |
| FCF/Sales | 7.6% | – |
| CapEx/Sales | 1.3% | – |
Operational Efficiency
| Metric | ECPG | JCAP |
|---|---|---|
| Asset Turnover | 0.35x | 0.39x |
| Receivables Turnover | – | 48.2x |
| Fixed Assets Turnover | 25.4x | 476.1x |
| Days Sales Outstanding | – | 8 days |
Income Statement
| Metric | ECPG | JCAP |
|---|---|---|
| Total Revenue | $1.99B | $815M |
| Operating Income | $775M | $391M |
| Net Income | $351M | – |
Dividend & Shareholder Information
| Metric | ECPG | JCAP |
|---|---|---|
| Dividends Per Share | – | $1.06 |
| Shares Outstanding | 21M | 57M |
ECPG vs JCAP: stock comparison and AI forecast
Which is bigger, ECPG or JCAP?
ECPG is 2.2 times larger than JCAP by market capitalization ($2.68B against $1.20B).
Which stock performed better over the last six months, ECPG or JCAP?
Over the last six months ECPG returned +53.5% and JCAP +2.1%.
Which one does Intratio's AI model rank higher, ECPG or JCAP?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
More comparisons
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.