ECPG
Price
$48.58
Change
-$0.71 (-1.44%)
Updated
Jan 22, 04:59 PM (EDT)
Capitalization
1.07B
27 days until earnings call
ENVA
Price
$111.27
Change
+$2.01 (+1.84%)
Updated
Jan 22, 04:59 PM (EDT)
Capitalization
1.77B
7 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$48.58
Change-$0.71 (-1.44%)
Volume$400
Capitalization1.07B
Enova International
Price$111.27
Change+$2.01 (+1.84%)
Volume$318
Capitalization1.77B
ECPG vs ENVA Comparison Chart
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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
Jan 23, 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
Jan 23, 2025
Stock price -- (ECPG: $49.29 vs. ENVA: $109.26)
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: 197% vs. ENVA: 96%
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 $12.49B.

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 2 green FA rating(s).

  • ECPG’s FA Score: 1 green, 4 red.
  • ENVA’s FA Score: 2 green, 3 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, 4 bearish.
  • ENVA’s TA Score: 4 bullish, 5 bearish.
According to our system of comparison, both ECPG and ENVA are a bad buy in the short-term.

Price Growth

ECPG (@Finance/Rental/Leasing) experienced а +4.87% price change this week, while ENVA (@Finance/Rental/Leasing) price change was +7.66% for the same time period.

The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was +1.63%. For the same industry, the average monthly price growth was +7.92%, and the average quarterly price growth was +23.17%.

Reported Earning Dates

ECPG is expected to report earnings on Apr 30, 2025.

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

Industries' Descriptions

@Finance/Rental/Leasing (+1.63% 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: 13.955 vs. ECPG (3.182). 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 YTD3.18213.95523%
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
918
VALUATION
overvalued / fair valued / undervalued
1..100
76
Overvalued
76
Overvalued
PROFIT vs RISK RATING
1..100
624
SMR RATING
1..100
9457
PRICE GROWTH RATING
1..100
5137
P/E GROWTH RATING
1..100
113
SEASONALITY SCORE
1..100
50n/a

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.

ECPG's Valuation (76) in the Finance Or Rental Or Leasing industry is in the same range as ENVA (76). This means that ECPG’s stock grew similarly to ENVA’s over the last 12 months.

ENVA's Profit vs Risk Rating (4) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for ECPG (62). This means that ENVA’s stock grew somewhat faster than ECPG’s over the last 12 months.

ENVA's SMR Rating (57) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for ECPG (94). This means that ENVA’s stock grew somewhat faster than ECPG’s over the last 12 months.

ENVA's Price Growth Rating (37) in the Finance Or Rental Or Leasing industry is in the same range as ECPG (51). 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 in the same range as ENVA (13). This means that ECPG’s stock grew similarly to ENVA’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ECPGENVA
RSI
ODDS (%)
N/A
N/A
Stochastic
ODDS (%)
Bullish Trend 9 days ago
75%
Bearish Trend 9 days ago
69%
Momentum
ODDS (%)
Bearish Trend 9 days ago
69%
Bullish Trend 9 days ago
77%
MACD
ODDS (%)
N/A
Bullish Trend 9 days ago
81%
TrendWeek
ODDS (%)
Bearish Trend 9 days ago
68%
Bullish Trend 9 days ago
77%
TrendMonth
ODDS (%)
Bearish Trend 9 days ago
64%
Bearish Trend 9 days ago
65%
Advances
ODDS (%)
Bullish Trend 9 days ago
70%
Bullish Trend 9 days ago
76%
Declines
ODDS (%)
Bearish Trend 13 days ago
70%
Bearish Trend 13 days ago
69%
BollingerBands
ODDS (%)
Bullish Trend 9 days ago
71%
Bearish Trend 9 days ago
62%
Aroon
ODDS (%)
N/A
Bearish Trend 9 days ago
74%
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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
Show more...
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ECPG and

Correlation & Price change

A.I.dvisor indicates that over the last year, ECPG has been closely correlated with PRAA. These tickers have moved in lockstep 66% of the time. This A.I.-generated data suggests there is a high 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
66%
Closely correlated
+0.33%
ENVA - ECPG
54%
Loosely correlated
+1.52%
UHAL - ECPG
49%
Loosely correlated
+0.82%
COOP - ECPG
48%
Loosely correlated
-0.84%
LC - ECPG
48%
Loosely correlated
+2.34%
More

ENVA and

Correlation & Price change

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

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To ENVA
1D Price
Change %
ENVA100%
+1.52%
COF - ENVA
59%
Loosely correlated
+1.17%
SYF - ENVA
58%
Loosely correlated
+1.05%
COOP - ENVA
56%
Loosely correlated
-0.84%
OMF - ENVA
55%
Loosely correlated
+1.68%
ECPG - ENVA
54%
Loosely correlated
+0.90%
More