ECPG
Price
$45.35
Change
-$0.83 (-1.80%)
Updated
Jan 10 closing price
Capitalization
1.07B
39 days until earnings call
PFSI
Price
$96.22
Change
-$3.30 (-3.32%)
Updated
Jan 10 closing price
Capitalization
4.52B
19 days until earnings call
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ECPG vs PFSI

Header iconECPG vs PFSI Comparison
Open Charts ECPG vs PFSIBanner chart's image
Encore Capital Group
Price$45.35
Change-$0.83 (-1.80%)
Volume$117.27K
Capitalization1.07B
PennyMac Financial Services
Price$96.22
Change-$3.30 (-3.32%)
Volume$297.03K
Capitalization4.52B
ECPG vs PFSI Comparison Chart
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ECPG
Daily Signalchanged days ago
Gain/Loss if bought
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PFSI
Daily Signalchanged days ago
Gain/Loss if bought
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ECPG vs. PFSI commentary
Jan 12, 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 PFSI is a StrongBuy.

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COMPARISON
Comparison
Jan 12, 2025
Stock price -- (ECPG: $45.35 vs. PFSI: $96.22)
Brand notoriety: ECPG and PFSI are both not notable
Both companies represent the Finance/Rental/Leasing industry
Current volume relative to the 65-day Moving Average: ECPG: 79% vs. PFSI: 110%
Market capitalization -- ECPG: $1.07B vs. PFSI: $4.52B
ECPG [@Finance/Rental/Leasing] is valued at $1.07B. PFSI’s [@Finance/Rental/Leasing] market capitalization is $4.52B. 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 whilePFSI’s FA Score has 2 green FA rating(s).

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

  • ECPG’s TA Score: 3 bullish, 4 bearish.
  • PFSI’s TA Score: 4 bullish, 6 bearish.
According to our system of comparison, ECPG is a better buy in the short-term than PFSI.

Price Growth

ECPG (@Finance/Rental/Leasing) experienced а -4.61% price change this week, while PFSI (@Finance/Rental/Leasing) price change was -4.50% for the same time period.

The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was -0.80%. For the same industry, the average monthly price growth was -0.35%, and the average quarterly price growth was +21.71%.

Reported Earning Dates

ECPG is expected to report earnings on Feb 19, 2025.

PFSI is expected to report earnings on May 01, 2025.

Industries' Descriptions

@Finance/Rental/Leasing (-0.80% 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
PFSI($4.53B) has a higher market cap than ECPG($1.07B). ECPG has higher P/E ratio than PFSI: ECPG (113.64) vs PFSI (32.75). ECPG YTD gains are higher at: -5.066 vs. PFSI (-5.796). PFSI has higher annual earnings (EBITDA): 424M vs. ECPG (47.7M). PFSI has more cash in the bank: 949M vs. ECPG (158M). ECPG has less debt than PFSI: ECPG (3.32B) vs PFSI (13.5B). PFSI has higher revenues than ECPG: PFSI (2.04B) vs ECPG (1.22B).
ECPGPFSIECPG / PFSI
Capitalization1.07B4.53B24%
EBITDA47.7M424M11%
Gain YTD-5.066-5.79687%
P/E Ratio113.6432.75347%
Revenue1.22B2.04B60%
Total Cash158M949M17%
Total Debt3.32B13.5B25%
FUNDAMENTALS RATINGS
ECPG vs PFSI: Fundamental Ratings
ECPG
PFSI
OUTLOOK RATING
1..100
6368
VALUATION
overvalued / fair valued / undervalued
1..100
76
Overvalued
32
Undervalued
PROFIT vs RISK RATING
1..100
6911
SMR RATING
1..100
9484
PRICE GROWTH RATING
1..100
5656
P/E GROWTH RATING
1..100
156
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.

PFSI's Valuation (32) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for ECPG (76). This means that PFSI’s stock grew somewhat faster than ECPG’s over the last 12 months.

PFSI's Profit vs Risk Rating (11) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for ECPG (69). This means that PFSI’s stock grew somewhat faster than ECPG’s over the last 12 months.

PFSI's SMR Rating (84) in the Finance Or Rental Or Leasing industry is in the same range as ECPG (94). This means that PFSI’s stock grew similarly to ECPG’s over the last 12 months.

PFSI's Price Growth Rating (56) in the Finance Or Rental Or Leasing industry is in the same range as ECPG (56). This means that PFSI’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 PFSI (56). This means that ECPG’s stock grew somewhat faster than PFSI’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ECPGPFSI
RSI
ODDS (%)
N/A
Bullish Trend 2 days ago
70%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
69%
Bullish Trend 2 days ago
63%
Momentum
ODDS (%)
Bearish Trend 2 days ago
75%
Bearish Trend 2 days ago
61%
MACD
ODDS (%)
N/A
Bearish Trend 2 days ago
63%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
68%
Bearish Trend 2 days ago
62%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
64%
Bearish Trend 2 days ago
60%
Advances
ODDS (%)
Bullish Trend 6 days ago
70%
Bullish Trend 17 days ago
73%
Declines
ODDS (%)
Bearish Trend 2 days ago
70%
Bearish Trend 2 days ago
65%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
77%
Bullish Trend 2 days ago
74%
Aroon
ODDS (%)
N/A
Bearish Trend 2 days ago
71%
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ECPG
Daily Signalchanged days ago
Gain/Loss if bought
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PFSI
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 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%
-1.80%
PRAA - ECPG
66%
Closely correlated
-2.00%
ENVA - ECPG
53%
Loosely correlated
-3.21%
UHAL - ECPG
49%
Loosely correlated
-2.15%
LC - ECPG
48%
Loosely correlated
-6.16%
COOP - ECPG
47%
Loosely correlated
-2.29%
More

PFSI and

Correlation & Price change

A.I.dvisor indicates that over the last year, PFSI has been closely correlated with WD. These tickers have moved in lockstep 68% of the time. This A.I.-generated data suggests there is a high statistical probability that if PFSI jumps, then WD could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To PFSI
1D Price
Change %
PFSI100%
-3.32%
WD - PFSI
68%
Closely correlated
-5.28%
UWMC - PFSI
64%
Loosely correlated
-3.87%
LC - PFSI
56%
Loosely correlated
-6.16%
UHAL - PFSI
55%
Loosely correlated
-2.15%
ECPG - PFSI
45%
Loosely correlated
-1.80%
More