ECPG
Price
$38.41
Change
+$1.16 (+3.11%)
Updated
Jun 6 closing price
Capitalization
1.07B
52 days until earnings call
NAVI
Price
$13.45
Change
-$0.11 (-0.81%)
Updated
Jun 6 closing price
Capitalization
1.92B
51 days until earnings call
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ECPG vs NAVI

Header iconECPG vs NAVI Comparison
Open Charts ECPG vs NAVIBanner chart's image
Encore Capital Group
Price$38.41
Change+$1.16 (+3.11%)
Volume$160.3K
Capitalization1.07B
Navient
Price$13.45
Change-$0.11 (-0.81%)
Volume$382.2K
Capitalization1.92B
ECPG vs NAVI Comparison Chart
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ECPG
Daily Signalchanged days ago
Gain/Loss if bought
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NAVI
Daily Signalchanged days ago
Gain/Loss if bought
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ECPG vs. NAVI commentary
Jun 08, 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 Buy and NAVI is a Buy.

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COMPARISON
Comparison
Jun 08, 2025
Stock price -- (ECPG: $38.05 vs. NAVI: $13.38)
Brand notoriety: ECPG and NAVI are both not notable
Both companies represent the Finance/Rental/Leasing industry
Current volume relative to the 65-day Moving Average: ECPG: 52% vs. NAVI: 69%
Market capitalization -- ECPG: $1.07B vs. NAVI: $1.92B
ECPG [@Finance/Rental/Leasing] is valued at $1.07B. NAVI’s [@Finance/Rental/Leasing] market capitalization is $1.92B. 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 $13.03B.

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 whileNAVI’s FA Score has 3 green FA rating(s).

  • ECPG’s FA Score: 1 green, 4 red.
  • NAVI’s FA Score: 3 green, 2 red.
According to our system of comparison, NAVI 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 5 TA indicator(s) are bullish while NAVI’s TA Score has 5 bullish TA indicator(s).

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

Price Growth

ECPG (@Finance/Rental/Leasing) experienced а -0.81% price change this week, while NAVI (@Finance/Rental/Leasing) price change was +3.08% for the same time period.

The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was -0.57%. For the same industry, the average monthly price growth was +7.22%, and the average quarterly price growth was +14.30%.

Reported Earning Dates

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

NAVI is expected to report earnings on Jul 29, 2025.

Industries' Descriptions

@Finance/Rental/Leasing (-0.57% 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
NAVI($1.92B) has a higher market cap than ECPG($1.07B). ECPG has higher P/E ratio than NAVI: ECPG (113.64) vs NAVI (9.21). NAVI YTD gains are higher at: 1.856 vs. ECPG (-20.348). ECPG has less debt than NAVI: ECPG (3.32B) vs NAVI (57.3B). NAVI (1.28B) and ECPG (1.22B) have equivalent revenues.
ECPGNAVIECPG / NAVI
Capitalization1.07B1.92B56%
EBITDA47.7MN/A-
Gain YTD-20.3481.856-1,097%
P/E Ratio113.649.211,234%
Revenue1.22B1.28B96%
Total Cash158MN/A-
Total Debt3.32B57.3B6%
FUNDAMENTALS RATINGS
ECPG vs NAVI: Fundamental Ratings
ECPG
NAVI
OUTLOOK RATING
1..100
6221
VALUATION
overvalued / fair valued / undervalued
1..100
79
Overvalued
17
Undervalued
PROFIT vs RISK RATING
1..100
7447
SMR RATING
1..100
9413
PRICE GROWTH RATING
1..100
6051
P/E GROWTH RATING
1..100
14
SEASONALITY SCORE
1..100
75n/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.

NAVI's Valuation (17) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for ECPG (79). This means that NAVI’s stock grew somewhat faster than ECPG’s over the last 12 months.

NAVI's Profit vs Risk Rating (47) in the Finance Or Rental Or Leasing industry is in the same range as ECPG (74). This means that NAVI’s stock grew similarly to ECPG’s over the last 12 months.

NAVI's SMR Rating (13) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for ECPG (94). This means that NAVI’s stock grew significantly faster than ECPG’s over the last 12 months.

NAVI's Price Growth Rating (51) in the Finance Or Rental Or Leasing industry is in the same range as ECPG (60). This means that NAVI’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 NAVI (4). This means that ECPG’s stock grew similarly to NAVI’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ECPGNAVI
RSI
ODDS (%)
Bearish Trend 12 days ago
84%
Bearish Trend 12 days ago
62%
Stochastic
ODDS (%)
Bullish Trend 12 days ago
72%
Bullish Trend 12 days ago
69%
Momentum
ODDS (%)
Bearish Trend 12 days ago
67%
Bearish Trend 12 days ago
64%
MACD
ODDS (%)
Bearish Trend 12 days ago
69%
Bearish Trend 12 days ago
62%
TrendWeek
ODDS (%)
Bearish Trend 12 days ago
69%
Bearish Trend 12 days ago
64%
TrendMonth
ODDS (%)
Bullish Trend 12 days ago
60%
Bullish Trend 12 days ago
72%
Advances
ODDS (%)
Bullish Trend about 1 month ago
68%
Bullish Trend 13 days ago
66%
Declines
ODDS (%)
Bearish Trend 19 days ago
70%
Bearish Trend 19 days ago
61%
BollingerBands
ODDS (%)
Bearish Trend 12 days ago
79%
Bearish Trend 12 days ago
60%
Aroon
ODDS (%)
Bullish Trend 12 days ago
52%
Bullish Trend 12 days ago
72%
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ECPG
Daily Signalchanged days ago
Gain/Loss if bought
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NAVI
Daily Signalchanged days ago
Gain/Loss if bought
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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 56% 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%
-2.54%
PRAA - ECPG
56%
Loosely correlated
-0.72%
ENVA - ECPG
52%
Loosely correlated
-1.19%
NAVI - ECPG
50%
Loosely correlated
-1.98%
OMF - ECPG
49%
Loosely correlated
-1.05%
UHAL - ECPG
49%
Loosely correlated
-0.83%
More

NAVI and

Correlation & Price change

A.I.dvisor indicates that over the last year, NAVI has been closely correlated with SLM. These tickers have moved in lockstep 75% of the time. This A.I.-generated data suggests there is a high statistical probability that if NAVI jumps, then SLM could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To NAVI
1D Price
Change %
NAVI100%
-1.98%
SLM - NAVI
75%
Closely correlated
-2.47%
OMF - NAVI
71%
Closely correlated
-1.05%
SYF - NAVI
70%
Closely correlated
-1.20%
ENVA - NAVI
69%
Closely correlated
-1.19%
COF - NAVI
67%
Closely correlated
-0.51%
More