BFH
Price
$61.86
Change
-$2.10 (-3.28%)
Updated
Nov 13, 04:59 PM (EDT)
Capitalization
2.82B
69 days until earnings call
Intraday BUY SELL Signals
ECPG
Price
$48.83
Change
+$0.31 (+0.64%)
Updated
Nov 13 closing price
Capitalization
1.09B
103 days until earnings call
Intraday BUY SELL Signals
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BFH vs ECPG

Header iconBFH vs ECPG Comparison
Open Charts BFH vs ECPGBanner chart's image
Bread Financial Holdings
Price$61.86
Change-$2.10 (-3.28%)
Volume$6.44K
Capitalization2.82B
Encore Capital Group
Price$48.83
Change+$0.31 (+0.64%)
Volume$181.24K
Capitalization1.09B
BFH vs ECPG Comparison Chart in %
BFH
Daily Signal:
Gain/Loss:
ECPG
Daily Signal:
Gain/Loss:
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VS
BFH vs. ECPG commentary
Nov 14, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is BFH is a Hold and ECPG is a Buy.

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COMPARISON
Comparison
Nov 14, 2025
Stock price -- (BFH: $63.96 vs. ECPG: $48.52)
Brand notoriety: BFH: Notable vs. ECPG: Not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: BFH: 74% vs. ECPG: 78%
Market capitalization -- BFH: $2.82B vs. ECPG: $1.09B
BFH [@Savings Banks] is valued at $2.82B. ECPG’s [@Savings Banks] market capitalization is $1.09B. The market cap for tickers in the [@Savings Banks] industry ranges from $648.6B to $0. The average market capitalization across the [@Savings Banks] industry is $21.95B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

BFH’s FA Score shows that 1 FA rating(s) are green whileECPG’s FA Score has 1 green FA rating(s).

  • BFH’s FA Score: 1 green, 4 red.
  • ECPG’s FA Score: 1 green, 4 red.
According to our system of comparison, BFH is a better buy in the long-term than ECPG.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

BFH’s TA Score shows that 5 TA indicator(s) are bullish while ECPG’s TA Score has 5 bullish TA indicator(s).

  • BFH’s TA Score: 5 bullish, 5 bearish.
  • ECPG’s TA Score: 5 bullish, 5 bearish.
According to our system of comparison, both BFH and ECPG are a good buy in the short-term.

Price Growth

BFH (@Savings Banks) experienced а +0.38% price change this week, while ECPG (@Savings Banks) price change was +13.50% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -0.14%. For the same industry, the average monthly price growth was -3.03%, and the average quarterly price growth was +11.42%.

Reported Earning Dates

BFH is expected to report earnings on Jan 22, 2026.

ECPG is expected to report earnings on Feb 25, 2026.

Industries' Descriptions

@Savings Banks (-0.14% weekly)

A savings bank primary function is to take deposits and paying interest on those deposits. Originating in Europe during the 18th century, these banks were generally introduced to incentivize people of all stripes to save money and park them with banks. By the 1990s, the internet ushered in online savings banks that allowed savers to deposit/transact with banks digitally, without requiring to visit a branch office. Savings banks have potentially encouraged lower-income population to save and have access to a financial institution to earn interest on their money. New York Community Bancorp, Inc, Webster Financial Corporation, Washington Federal, Inc. are examples of savings banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
BFH($2.82B) has a higher market cap than ECPG($1.09B). BFH YTD gains are higher at: 6.316 vs. ECPG (1.570). BFH (3.79B) and ECPG (3.97B) have identical debt. BFH has higher revenues than ECPG: BFH (3.8B) vs ECPG (1.47B).
BFHECPGBFH / ECPG
Capitalization2.82B1.09B259%
EBITDAN/A266M-
Gain YTD6.3161.570402%
P/E Ratio6.26N/A-
Revenue3.8B1.47B259%
Total CashN/A173M-
Total Debt3.79B3.97B96%
FUNDAMENTALS RATINGS
BFH vs ECPG: Fundamental Ratings
BFH
ECPG
OUTLOOK RATING
1..100
1917
VALUATION
overvalued / fair valued / undervalued
1..100
60
Fair valued
97
Overvalued
PROFIT vs RISK RATING
1..100
7485
SMR RATING
1..100
893
PRICE GROWTH RATING
1..100
4543
P/E GROWTH RATING
1..100
811
SEASONALITY SCORE
1..100
n/a65

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

BFH's Valuation (60) in the Data Processing Services industry is somewhat better than the same rating for ECPG (97) in the Finance Or Rental Or Leasing industry. This means that BFH’s stock grew somewhat faster than ECPG’s over the last 12 months.

BFH's Profit vs Risk Rating (74) in the Data Processing Services industry is in the same range as ECPG (85) in the Finance Or Rental Or Leasing industry. This means that BFH’s stock grew similarly to ECPG’s over the last 12 months.

BFH's SMR Rating (8) in the Data Processing Services industry is significantly better than the same rating for ECPG (93) in the Finance Or Rental Or Leasing industry. This means that BFH’s stock grew significantly faster than ECPG’s over the last 12 months.

ECPG's Price Growth Rating (43) in the Finance Or Rental Or Leasing industry is in the same range as BFH (45) in the Data Processing Services industry. This means that ECPG’s stock grew similarly to BFH’s over the last 12 months.

ECPG's P/E Growth Rating (1) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for BFH (81) in the Data Processing Services industry. This means that ECPG’s stock grew significantly faster than BFH’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
BFHECPG
RSI
ODDS (%)
Bearish Trend 2 days ago
87%
Bearish Trend 2 days ago
75%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
78%
Bearish Trend 2 days ago
64%
Momentum
ODDS (%)
Bullish Trend 2 days ago
79%
Bullish Trend 2 days ago
69%
MACD
ODDS (%)
Bullish Trend 2 days ago
77%
Bullish Trend 2 days ago
67%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
74%
Bullish Trend 2 days ago
66%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
75%
Bullish Trend 2 days ago
60%
Advances
ODDS (%)
Bullish Trend 18 days ago
71%
Bullish Trend 3 days ago
66%
Declines
ODDS (%)
Bearish Trend 7 days ago
77%
Bearish Trend 17 days ago
66%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
83%
Bearish Trend 2 days ago
61%
Aroon
ODDS (%)
Bearish Trend 2 days ago
71%
Bearish Trend 2 days ago
65%
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BFH
Daily Signal:
Gain/Loss:
ECPG
Daily Signal:
Gain/Loss:
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BFH and

Correlation & Price change

A.I.dvisor indicates that over the last year, BFH has been closely correlated with SYF. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if BFH jumps, then SYF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To BFH
1D Price
Change %
BFH100%
+0.79%
SYF - BFH
88%
Closely correlated
+1.44%
COF - BFH
79%
Closely correlated
+0.63%
OMF - BFH
79%
Closely correlated
+1.05%
AXP - BFH
77%
Closely correlated
+0.71%
ALLY - BFH
74%
Closely correlated
+2.08%
More

ECPG and

Correlation & Price change

A.I.dvisor indicates that over the last year, ECPG has been loosely correlated with PRAA. These tickers have moved in lockstep 59% of the time. This A.I.-generated data suggests there is some statistical probability that if ECPG jumps, then PRAA could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To ECPG
1D Price
Change %
ECPG100%
-2.39%
PRAA - ECPG
59%
Loosely correlated
-0.25%
OMF - ECPG
55%
Loosely correlated
+1.05%
UHAL - ECPG
51%
Loosely correlated
+0.08%
SYF - ECPG
50%
Loosely correlated
+1.44%
BFH - ECPG
50%
Loosely correlated
+0.79%
More