ECPG
Price
$38.75
Change
+$0.03 (+0.08%)
Updated
Jul 21, 04:59 PM (EDT)
Capitalization
1.07B
16 days until earnings call
ENVA
Price
$112.92
Change
-$0.71 (-0.62%)
Updated
Jul 21, 04:59 PM (EDT)
Capitalization
1.77B
3 days until earnings call
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ECPG vs ENVA

Header iconECPG vs ENVA Comparison
Open Charts ECPG vs ENVABanner chart's image
Encore Capital Group
Price$38.75
Change+$0.03 (+0.08%)
Volume$2.54K
Capitalization1.07B
Enova International
Price$112.92
Change-$0.71 (-0.62%)
Volume$2.75K
Capitalization1.77B
ECPG vs ENVA Comparison Chart in %
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ECPG
Daily Signalchanged days ago
Gain/Loss if bought
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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ECPG vs. ENVA commentary
Jul 22, 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 ECPG is a Hold and ENVA is a Hold.

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COMPARISON
Comparison
Jul 22, 2025
Stock price -- (ECPG: $38.72 vs. ENVA: $113.63)
Brand notoriety: ECPG and ENVA are both not notable
Both companies represent the Finance/Rental/Leasing industry
Current volume relative to the 65-day Moving Average: ECPG: 139% vs. ENVA: 74%
Market capitalization -- ECPG: $1.07B vs. ENVA: $1.77B
ECPG [@Finance/Rental/Leasing] is valued at $1.07B. ENVA’s [@Finance/Rental/Leasing] market capitalization is $1.77B. The market cap for tickers in the [@Finance/Rental/Leasing] industry ranges from $573.25B to $0. The average market capitalization across the [@Finance/Rental/Leasing] industry is $13.11B.

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).

ECPG’s FA Score shows that 1 FA rating(s) are green whileENVA’s FA Score has 1 green FA rating(s).

  • ECPG’s FA Score: 1 green, 4 red.
  • ENVA’s FA Score: 1 green, 4 red.
According to our system of comparison, ENVA 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.

ECPG’s TA Score shows that 3 TA indicator(s) are bullish while ENVA’s TA Score has 4 bullish TA indicator(s).

  • ECPG’s TA Score: 3 bullish, 5 bearish.
  • ENVA’s TA Score: 4 bullish, 5 bearish.
According to our system of comparison, ENVA is a better buy in the short-term than ECPG.

Price Growth

ECPG (@Finance/Rental/Leasing) experienced а -0.82% price change this week, while ENVA (@Finance/Rental/Leasing) price change was -1.04% for the same time period.

The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was +0.84%. For the same industry, the average monthly price growth was +6.88%, and the average quarterly price growth was +16.94%.

Reported Earning Dates

ECPG is expected to report earnings on Aug 06, 2025.

ENVA is expected to report earnings on Jul 24, 2025.

Industries' Descriptions

@Finance/Rental/Leasing (+0.84% weekly)

A leasing company (e.g. United Rentals, Inc. ) is typically the legal owner of the asset for the duration of the lease, while the lessee has operating control over the asset while also having some share of the economic risks and returns from the change in the valuation of the underlying asset. Per capita disposable income and corporate earnings or cash flow could be some of the critical metrics for this business – the higher the values of these metrics, the potentially greater ability of consumers/businesses to afford apartments/office spaces for rent. Other finance companies include credit/debit card payment processing companies (e.g. Visa Inc. and Mastercard), private label credit cards providers (e.g. Synchrony Financial) and automobile finance companies (e.g. Credit Acceptance Corporation).

SUMMARIES
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FUNDAMENTALS
Fundamentals
ENVA($1.77B) has a higher market cap than ECPG($1.07B). ECPG has higher P/E ratio than ENVA: ECPG (113.64) vs ENVA (11.25). ENVA YTD gains are higher at: 18.513 vs. ECPG (-18.945). ENVA has higher annual earnings (EBITDA): 266M vs. ECPG (47.7M). ECPG has more cash in the bank: 158M vs. ENVA (54.4M). ENVA has less debt than ECPG: ENVA (2.97B) vs ECPG (3.32B). ENVA has higher revenues than ECPG: ENVA (2.12B) vs ECPG (1.22B).
ECPGENVAECPG / ENVA
Capitalization1.07B1.77B61%
EBITDA47.7M266M18%
Gain YTD-18.94518.513-102%
P/E Ratio113.6411.251,010%
Revenue1.22B2.12B58%
Total Cash158M54.4M290%
Total Debt3.32B2.97B112%
FUNDAMENTALS RATINGS
ECPG vs ENVA: Fundamental Ratings
ECPG
ENVA
OUTLOOK RATING
1..100
1750
VALUATION
overvalued / fair valued / undervalued
1..100
85
Overvalued
84
Overvalued
PROFIT vs RISK RATING
1..100
927
SMR RATING
1..100
9345
PRICE GROWTH RATING
1..100
5741
P/E GROWTH RATING
1..100
146
SEASONALITY SCORE
1..100
950

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.

ENVA's Valuation (84) in the Finance Or Rental Or Leasing industry is in the same range as ECPG (85). This means that ENVA’s stock grew similarly to ECPG’s over the last 12 months.

ENVA's Profit vs Risk Rating (7) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for ECPG (92). This means that ENVA’s stock grew significantly faster than ECPG’s over the last 12 months.

ENVA's SMR Rating (45) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for ECPG (93). This means that ENVA’s stock grew somewhat faster than ECPG’s over the last 12 months.

ENVA's Price Growth Rating (41) in the Finance Or Rental Or Leasing industry is in the same range as ECPG (57). This means that ENVA’s stock grew similarly to ECPG’s over the last 12 months.

ECPG's P/E Growth Rating (1) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for ENVA (46). This means that ECPG’s stock grew somewhat faster than ENVA’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ECPGENVA
RSI
ODDS (%)
N/A
Bearish Trend 4 days ago
72%
Stochastic
ODDS (%)
Bullish Trend 4 days ago
71%
Bearish Trend 4 days ago
65%
Momentum
ODDS (%)
Bearish Trend 4 days ago
71%
Bearish Trend 4 days ago
71%
MACD
ODDS (%)
Bearish Trend 4 days ago
76%
Bearish Trend 4 days ago
68%
TrendWeek
ODDS (%)
Bearish Trend 4 days ago
68%
Bearish Trend 4 days ago
67%
TrendMonth
ODDS (%)
Bearish Trend 4 days ago
64%
Bullish Trend 4 days ago
72%
Advances
ODDS (%)
Bullish Trend 12 days ago
67%
Bullish Trend 5 days ago
75%
Declines
ODDS (%)
Bearish Trend 7 days ago
69%
N/A
BollingerBands
ODDS (%)
Bearish Trend 4 days ago
70%
Bearish Trend 4 days ago
64%
Aroon
ODDS (%)
Bullish Trend 4 days ago
49%
Bullish Trend 4 days ago
72%
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ECPG
Daily Signalchanged days ago
Gain/Loss if bought
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ENVA
Daily Signalchanged days ago
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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 58% 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%
-0.90%
PRAA - ECPG
58%
Loosely correlated
-1.83%
OMF - ECPG
53%
Loosely correlated
+0.47%
NAVI - ECPG
53%
Loosely correlated
-1.81%
ENVA - ECPG
52%
Loosely correlated
-1.10%
HRI - ECPG
51%
Loosely correlated
-0.40%
More

ENVA and

Correlation & Price change

A.I.dvisor indicates that over the last year, ENVA has been closely correlated with OMF. These tickers have moved in lockstep 83% of the time. This A.I.-generated data suggests there is a high statistical probability that if ENVA jumps, then OMF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To ENVA
1D Price
Change %
ENVA100%
-1.10%
OMF - ENVA
83%
Closely correlated
+0.47%
SYF - ENVA
80%
Closely correlated
-0.21%
COF - ENVA
80%
Closely correlated
+0.13%
AXP - ENVA
79%
Closely correlated
N/A
BFH - ENVA
77%
Closely correlated
-1.83%
More