ECPG
Price
$55.68
Change
+$0.55 (+1.00%)
Updated
Jan 15, 11:20 AM (EDT)
Capitalization
1.23B
41 days until earnings call
Intraday BUY SELL Signals
PRAA
Price
$16.95
Change
+$0.48 (+2.91%)
Updated
Jan 15, 12:01 PM (EDT)
Capitalization
642.58M
46 days until earnings call
Intraday BUY SELL Signals
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ECPG vs PRAA

Header iconECPG vs PRAA Comparison
Open Charts ECPG vs PRAABanner chart's image
Encore Capital Group
Price$55.68
Change+$0.55 (+1.00%)
Volume$100
Capitalization1.23B
PRA Group
Price$16.95
Change+$0.48 (+2.91%)
Volume$100
Capitalization642.58M
ECPG vs PRAA Comparison Chart in %
ECPG
Daily Signal:
Gain/Loss:
PRAA
Daily Signal:
Gain/Loss:
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VS
ECPG vs. PRAA commentary
Jan 15, 2026

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 PRAA is a Hold.

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COMPARISON
Comparison
Jan 15, 2026
Stock price -- (ECPG: $55.13 vs. PRAA: $16.47)
Brand notoriety: ECPG and PRAA are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: ECPG: 80% vs. PRAA: 63%
Market capitalization -- ECPG: $1.23B vs. PRAA: $642.58M
ECPG [@Savings Banks] is valued at $1.23B. PRAA’s [@Savings Banks] market capitalization is $642.58M. The market cap for tickers in the [@Savings Banks] industry ranges from $634.65B to $0. The average market capitalization across the [@Savings Banks] industry is $21.95B.

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

  • ECPG’s FA Score: 1 green, 4 red.
  • PRAA’s FA Score: 1 green, 4 red.
According to our system of comparison, ECPG is a better buy in the long-term than PRAA.

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 PRAA’s TA Score has 5 bullish TA indicator(s).

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

Price Growth

ECPG (@Savings Banks) experienced а -2.72% price change this week, while PRAA (@Savings Banks) price change was -2.49% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was +0.42%. For the same industry, the average monthly price growth was -0.93%, and the average quarterly price growth was +2.65%.

Reported Earning Dates

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

PRAA is expected to report earnings on Mar 02, 2026.

Industries' Descriptions

@Savings Banks (+0.42% 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 PRAA($643M). ECPG YTD gains are higher at: 1.435 vs. PRAA (-6.897). ECPG has higher annual earnings (EBITDA): 332M vs. PRAA (-162.38M). ECPG (172M) and PRAA (171M) have equal amount of cash in the bank . PRAA has less debt than ECPG: PRAA (3.64B) vs ECPG (3.93B). ECPG has higher revenues than PRAA: ECPG (1.56B) vs PRAA (1.17B).
ECPGPRAAECPG / PRAA
Capitalization1.23B643M191%
EBITDA332M-162.38M-204%
Gain YTD1.435-6.897-21%
P/E RatioN/A6.33-
Revenue1.56B1.17B133%
Total Cash172M171M101%
Total Debt3.93B3.64B108%
FUNDAMENTALS RATINGS
ECPG vs PRAA: Fundamental Ratings
ECPG
PRAA
OUTLOOK RATING
1..100
6574
VALUATION
overvalued / fair valued / undervalued
1..100
99
Overvalued
19
Undervalued
PROFIT vs RISK RATING
1..100
72100
SMR RATING
1..100
9296
PRICE GROWTH RATING
1..100
4255
P/E GROWTH RATING
1..100
199
SEASONALITY SCORE
1..100
4685

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.

PRAA's Valuation (19) in the Miscellaneous Commercial Services industry is significantly better than the same rating for ECPG (99) in the Finance Or Rental Or Leasing industry. This means that PRAA’s stock grew significantly faster than ECPG’s over the last 12 months.

ECPG's Profit vs Risk Rating (72) in the Finance Or Rental Or Leasing industry is in the same range as PRAA (100) in the Miscellaneous Commercial Services industry. This means that ECPG’s stock grew similarly to PRAA’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 PRAA (96) in the Miscellaneous Commercial Services industry. This means that ECPG’s stock grew similarly to PRAA’s over the last 12 months.

ECPG's Price Growth Rating (42) in the Finance Or Rental Or Leasing industry is in the same range as PRAA (55) in the Miscellaneous Commercial Services industry. This means that ECPG’s stock grew similarly to PRAA’s over the last 12 months.

ECPG's P/E Growth Rating (1) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for PRAA (99) in the Miscellaneous Commercial Services industry. This means that ECPG’s stock grew significantly faster than PRAA’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ECPGPRAA
RSI
ODDS (%)
Bearish Trend 2 days ago
74%
Bearish Trend 2 days ago
80%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
58%
Bullish Trend 2 days ago
72%
Momentum
ODDS (%)
Bearish Trend 2 days ago
68%
Bearish Trend 2 days ago
66%
MACD
ODDS (%)
Bearish Trend 2 days ago
58%
Bearish Trend 2 days ago
65%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
63%
Bearish Trend 2 days ago
70%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
61%
Bearish Trend 2 days ago
72%
Advances
ODDS (%)
Bullish Trend 11 days ago
68%
Bullish Trend 7 days ago
66%
Declines
ODDS (%)
Bearish Trend 4 days ago
65%
Bearish Trend 2 days ago
71%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
56%
Bullish Trend 2 days ago
56%
Aroon
ODDS (%)
Bullish Trend 2 days ago
56%
Bullish Trend 2 days ago
62%
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ECPG
Daily Signal:
Gain/Loss:
PRAA
Daily Signal:
Gain/Loss:
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Manor

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 58% 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%
-1.62%
PRAA - ECPG
58%
Loosely correlated
-0.66%
OMF - ECPG
52%
Loosely correlated
-0.41%
UHAL - ECPG
51%
Loosely correlated
+1.29%
SYF - ECPG
49%
Loosely correlated
-0.31%
HRI - ECPG
49%
Loosely correlated
-3.03%
More

PRAA and

Correlation & Price change

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

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To PRAA
1D Price
Change %
PRAA100%
-0.66%
ECPG - PRAA
59%
Loosely correlated
-1.62%
OMF - PRAA
56%
Loosely correlated
-0.41%
ALLY - PRAA
54%
Loosely correlated
+0.30%
SYF - PRAA
52%
Loosely correlated
-0.31%
AXP - PRAA
49%
Loosely correlated
+0.07%
More