ECPG
Price
$54.98
Change
+$0.48 (+0.88%)
Updated
Dec 24 closing price
Capitalization
1.23B
62 days until earnings call
Intraday BUY SELL Signals
GDOT
Price
$13.08
Change
+$0.06 (+0.46%)
Updated
Dec 24 closing price
Capitalization
726.58M
56 days until earnings call
Intraday BUY SELL Signals
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ECPG vs GDOT

Header iconECPG vs GDOT Comparison
Open Charts ECPG vs GDOTBanner chart's image
Encore Capital Group
Price$54.98
Change+$0.48 (+0.88%)
Volume$60.1K
Capitalization1.23B
Green Dot
Price$13.08
Change+$0.06 (+0.46%)
Volume$141.09K
Capitalization726.58M
ECPG vs GDOT Comparison Chart in %
ECPG
Daily Signal:
Gain/Loss:
GDOT
Daily Signal:
Gain/Loss:
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VS
ECPG vs. GDOT commentary
Dec 25, 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 GDOT is a Buy.

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COMPARISON
Comparison
Dec 25, 2025
Stock price -- (ECPG: $54.98 vs. GDOT: $13.08)
Brand notoriety: ECPG and GDOT are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: ECPG: 24% vs. GDOT: 16%
Market capitalization -- ECPG: $1.23B vs. GDOT: $726.58M
ECPG [@Savings Banks] is valued at $1.23B. GDOT’s [@Savings Banks] market capitalization is $726.58M. The market cap for tickers in the [@Savings Banks] industry ranges from $684.72B to $0. The average market capitalization across the [@Savings Banks] industry is $23.08B.

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 whileGDOT’s FA Score has 1 green FA rating(s).

  • ECPG’s FA Score: 1 green, 4 red.
  • GDOT’s FA Score: 1 green, 4 red.
According to our system of comparison, both ECPG and GDOT are a bad buy in the long-term.

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 2 TA indicator(s) are bullish while GDOT’s TA Score has 5 bullish TA indicator(s).

  • ECPG’s TA Score: 2 bullish, 6 bearish.
  • GDOT’s TA Score: 5 bullish, 4 bearish.
According to our system of comparison, GDOT is a better buy in the short-term than ECPG.

Price Growth

ECPG (@Savings Banks) experienced а +1.23% price change this week, while GDOT (@Savings Banks) price change was +2.19% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was +0.58%. For the same industry, the average monthly price growth was +3.25%, and the average quarterly price growth was +3.81%.

Reported Earning Dates

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

GDOT is expected to report earnings on Feb 19, 2026.

Industries' Descriptions

@Savings Banks (+0.58% 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
ECPG($1.23B) has a higher market cap than GDOT($727M). GDOT YTD gains are higher at: 22.932 vs. ECPG (15.093). ECPG has higher annual earnings (EBITDA): 332M vs. GDOT (154M). GDOT has more cash in the bank: 1.64B vs. ECPG (172M). GDOT has less debt than ECPG: GDOT (66.5M) vs ECPG (3.93B). GDOT has higher revenues than ECPG: GDOT (2.01B) vs ECPG (1.56B).
ECPGGDOTECPG / GDOT
Capitalization1.23B727M169%
EBITDA332M154M216%
Gain YTD15.09322.93266%
P/E RatioN/A73.23-
Revenue1.56B2.01B78%
Total Cash172M1.64B11%
Total Debt3.93B66.5M5,916%
FUNDAMENTALS RATINGS
ECPG vs GDOT: Fundamental Ratings
ECPG
GDOT
OUTLOOK RATING
1..100
1418
VALUATION
overvalued / fair valued / undervalued
1..100
99
Overvalued
96
Overvalued
PROFIT vs RISK RATING
1..100
68100
SMR RATING
1..100
9292
PRICE GROWTH RATING
1..100
4148
P/E GROWTH RATING
1..100
13
SEASONALITY SCORE
1..100
5050

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.

GDOT's Valuation (96) in the Finance Or Rental Or Leasing industry is in the same range as ECPG (99). This means that GDOT’s stock grew similarly to ECPG’s over the last 12 months.

ECPG's Profit vs Risk Rating (68) in the Finance Or Rental Or Leasing industry is in the same range as GDOT (100). This means that ECPG’s stock grew similarly to GDOT’s over the last 12 months.

ECPG's SMR Rating (92) in the Finance Or Rental Or Leasing industry is in the same range as GDOT (92). This means that ECPG’s stock grew similarly to GDOT’s over the last 12 months.

ECPG's Price Growth Rating (41) in the Finance Or Rental Or Leasing industry is in the same range as GDOT (48). This means that ECPG’s stock grew similarly to GDOT’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 GDOT (3). This means that ECPG’s stock grew similarly to GDOT’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ECPGGDOT
RSI
ODDS (%)
Bearish Trend 2 days ago
69%
Bearish Trend 2 days ago
75%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
66%
Bullish Trend 2 days ago
78%
Momentum
ODDS (%)
Bearish Trend 2 days ago
69%
Bearish Trend 2 days ago
82%
MACD
ODDS (%)
Bearish Trend 2 days ago
73%
Bearish Trend 2 days ago
83%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
66%
Bullish Trend 2 days ago
68%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
61%
Bullish Trend 2 days ago
68%
Advances
ODDS (%)
Bullish Trend 15 days ago
67%
Bullish Trend 2 days ago
68%
Declines
ODDS (%)
Bearish Trend 23 days ago
66%
Bearish Trend 9 days ago
82%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
84%
N/A
Aroon
ODDS (%)
Bullish Trend 2 days ago
51%
Bullish Trend 2 days ago
64%
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ECPG
Daily Signal:
Gain/Loss:
GDOT
Daily Signal:
Gain/Loss:
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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 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%
+0.88%
PRAA - ECPG
59%
Loosely correlated
+0.86%
OMF - ECPG
53%
Loosely correlated
+0.41%
BFH - ECPG
51%
Loosely correlated
+0.09%
UHAL - ECPG
51%
Loosely correlated
+0.18%
SYF - ECPG
51%
Loosely correlated
+0.57%
More

GDOT and

Correlation & Price change

A.I.dvisor indicates that over the last year, GDOT has been loosely correlated with NAVI. These tickers have moved in lockstep 48% of the time. This A.I.-generated data suggests there is some statistical probability that if GDOT jumps, then NAVI could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To GDOT
1D Price
Change %
GDOT100%
+0.46%
NAVI - GDOT
48%
Loosely correlated
+0.31%
ALLY - GDOT
46%
Loosely correlated
-0.30%
OMF - GDOT
45%
Loosely correlated
+0.41%
SYF - GDOT
43%
Loosely correlated
+0.57%
ECPG - GDOT
43%
Loosely correlated
+0.88%
More