ECPG
Price
$44.45
Change
+$2.55 (+6.09%)
Updated
Sep 5 closing price
Capitalization
1.02B
53 days until earnings call
NAVI
Price
$13.73
Change
-$0.04 (-0.29%)
Updated
Sep 5 closing price
Capitalization
1.37B
52 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$44.45
Change+$2.55 (+6.09%)
Volume$677.4K
Capitalization1.02B
Navient
Price$13.73
Change-$0.04 (-0.29%)
Volume$688.16K
Capitalization1.37B
ECPG vs NAVI Comparison Chart in %
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ECPG
Daily Signalchanged days ago
Gain/Loss if bought
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NAVI
Daily Signalchanged days ago
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ECPG vs. NAVI commentary
Sep 07, 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 StrongBuy and NAVI is a Buy.

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COMPARISON
Comparison
Sep 07, 2025
Stock price -- (ECPG: $44.45 vs. NAVI: $13.73)
Brand notoriety: ECPG and NAVI are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: ECPG: 236% vs. NAVI: 72%
Market capitalization -- ECPG: $1.02B vs. NAVI: $1.37B
ECPG [@Savings Banks] is valued at $1.02B. NAVI’s [@Savings Banks] market capitalization is $1.37B. The market cap for tickers in the [@Savings Banks] industry ranges from $666.17B to $0. The average market capitalization across the [@Savings Banks] industry is $22.16B.

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 2 green FA rating(s).

  • ECPG’s FA Score: 1 green, 4 red.
  • NAVI’s FA Score: 2 green, 3 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 6 TA indicator(s) are bullish while NAVI’s TA Score has 5 bullish TA indicator(s).

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

Price Growth

ECPG (@Savings Banks) experienced а +6.24% price change this week, while NAVI (@Savings Banks) price change was +1.32% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was +0.52%. For the same industry, the average monthly price growth was +5.04%, and the average quarterly price growth was +31.21%.

Reported Earning Dates

ECPG is expected to report earnings on Oct 29, 2025.

NAVI is expected to report earnings on Oct 28, 2025.

Industries' Descriptions

@Savings Banks (+0.52% 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
NAVI($1.37B) has a higher market cap than ECPG($1.02B). NAVI YTD gains are higher at: 7.011 vs. ECPG (-6.950). ECPG has less debt than NAVI: ECPG (3.97B) vs NAVI (46.5B).
ECPGNAVIECPG / NAVI
Capitalization1.02B1.37B75%
EBITDA266MN/A-
Gain YTD-6.9507.011-99%
P/E RatioN/A42.91-
Revenue1.47BN/A-
Total Cash173MN/A-
Total Debt3.97B46.5B9%
FUNDAMENTALS RATINGS
ECPG vs NAVI: Fundamental Ratings
ECPG
NAVI
OUTLOOK RATING
1..100
7816
VALUATION
overvalued / fair valued / undervalued
1..100
97
Overvalued
87
Overvalued
PROFIT vs RISK RATING
1..100
9556
SMR RATING
1..100
9518
PRICE GROWTH RATING
1..100
4854
P/E GROWTH RATING
1..100
14
SEASONALITY SCORE
1..100
n/a14

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 (87) in the Finance Or Rental Or Leasing industry is in the same range as ECPG (97). This means that NAVI’s stock grew similarly to ECPG’s over the last 12 months.

NAVI's Profit vs Risk Rating (56) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for ECPG (95). This means that NAVI’s stock grew somewhat faster than ECPG’s over the last 12 months.

NAVI's SMR Rating (18) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for ECPG (95). This means that NAVI’s stock grew significantly faster than ECPG’s over the last 12 months.

ECPG's Price Growth Rating (48) in the Finance Or Rental Or Leasing industry is in the same range as NAVI (54). This means that ECPG’s stock grew similarly to NAVI’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 2 days ago
70%
Bullish Trend 2 days ago
68%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
66%
Bearish Trend 2 days ago
51%
Momentum
ODDS (%)
Bullish Trend 2 days ago
69%
Bullish Trend 2 days ago
68%
MACD
ODDS (%)
Bullish Trend 2 days ago
76%
Bullish Trend 2 days ago
65%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
65%
Bullish Trend 2 days ago
70%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
58%
Bullish Trend 2 days ago
70%
Advances
ODDS (%)
Bullish Trend 2 days ago
66%
Bullish Trend 2 days ago
67%
Declines
ODDS (%)
Bearish Trend 4 days ago
68%
Bearish Trend 23 days ago
60%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
68%
Bearish Trend 2 days ago
66%
Aroon
ODDS (%)
Bullish Trend 2 days ago
52%
Bearish Trend 2 days ago
53%
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ECPG
Daily Signalchanged days ago
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NAVI
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 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%
+6.09%
PRAA - ECPG
59%
Loosely correlated
+1.30%
OMF - ECPG
54%
Loosely correlated
-1.77%
ENVA - ECPG
53%
Loosely correlated
-2.60%
NAVI - ECPG
51%
Loosely correlated
+0.88%
AGM - ECPG
50%
Loosely correlated
-0.22%
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 73% 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%
+0.88%
SLM - NAVI
73%
Closely correlated
-2.08%
SYF - NAVI
68%
Closely correlated
-1.63%
OMF - NAVI
68%
Closely correlated
-1.77%
ENVA - NAVI
66%
Closely correlated
-2.60%
BFH - NAVI
65%
Loosely correlated
-1.12%
More