ECPG
Price
$56.08
Change
+$0.95 (+1.72%)
Updated
Jan 15, 04:59 PM (EDT)
Capitalization
1.23B
41 days until earnings call
Intraday BUY SELL Signals
SYF
Price
$77.69
Change
-$0.13 (-0.17%)
Updated
Jan 15, 04:59 PM (EDT)
Capitalization
28.03B
12 days until earnings call
Intraday BUY SELL Signals
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ECPG vs SYF

Header iconECPG vs SYF Comparison
Open Charts ECPG vs SYFBanner chart's image
Encore Capital Group
Price$56.08
Change+$0.95 (+1.72%)
Volume$1.7K
Capitalization1.23B
Synchrony Financial
Price$77.69
Change-$0.13 (-0.17%)
Volume$19.64K
Capitalization28.03B
ECPG vs SYF Comparison Chart in %
ECPG
Daily Signal:
Gain/Loss:
SYF
Daily Signal:
Gain/Loss:
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VS
ECPG vs. SYF commentary
Jan 16, 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 SYF is a Hold.

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COMPARISON
Comparison
Jan 16, 2026
Stock price -- (ECPG: $55.13 vs. SYF: $77.82)
Brand notoriety: ECPG: Not notable vs. SYF: Notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: ECPG: 80% vs. SYF: 176%
Market capitalization -- ECPG: $1.23B vs. SYF: $28.03B
ECPG [@Savings Banks] is valued at $1.23B. SYF’s [@Savings Banks] market capitalization is $28.03B. 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 whileSYF’s FA Score has 2 green FA rating(s).

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

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

Price Growth

ECPG (@Savings Banks) experienced а -2.72% price change this week, while SYF (@Savings Banks) price change was -10.99% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was +0.54%. For the same industry, the average monthly price growth was -0.85%, and the average quarterly price growth was +2.78%.

Reported Earning Dates

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

SYF is expected to report earnings on Jan 27, 2026.

Industries' Descriptions

@Savings Banks (+0.54% 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
SYF($28B) has a higher market cap than ECPG($1.23B). ECPG YTD gains are higher at: 1.435 vs. SYF (-6.724). ECPG has less debt than SYF: ECPG (3.93B) vs SYF (14.4B). SYF has higher revenues than ECPG: SYF (15B) vs ECPG (1.56B).
ECPGSYFECPG / SYF
Capitalization1.23B28B4%
EBITDA332MN/A-
Gain YTD1.435-6.724-21%
P/E RatioN/A8.53-
Revenue1.56B15B10%
Total Cash172MN/A-
Total Debt3.93B14.4B27%
FUNDAMENTALS RATINGS
ECPG vs SYF: Fundamental Ratings
ECPG
SYF
OUTLOOK RATING
1..100
6563
VALUATION
overvalued / fair valued / undervalued
1..100
99
Overvalued
98
Overvalued
PROFIT vs RISK RATING
1..100
7225
SMR RATING
1..100
924
PRICE GROWTH RATING
1..100
4252
P/E GROWTH RATING
1..100
153
SEASONALITY SCORE
1..100
4650

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.

SYF's Valuation (98) in the Finance Or Rental Or Leasing industry is in the same range as ECPG (99). This means that SYF’s stock grew similarly to ECPG’s over the last 12 months.

SYF's Profit vs Risk Rating (25) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for ECPG (72). This means that SYF’s stock grew somewhat faster than ECPG’s over the last 12 months.

SYF's SMR Rating (4) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for ECPG (92). This means that SYF’s stock grew significantly faster than ECPG’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 SYF (52). This means that ECPG’s stock grew similarly to SYF’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 SYF (53). This means that ECPG’s stock grew somewhat faster than SYF’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ECPGSYF
RSI
ODDS (%)
Bearish Trend 2 days ago
74%
Bullish Trend 2 days ago
76%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
58%
Bullish Trend 2 days ago
80%
Momentum
ODDS (%)
Bearish Trend 2 days ago
68%
Bearish Trend 2 days ago
65%
MACD
ODDS (%)
Bearish Trend 2 days ago
58%
Bearish Trend 2 days ago
63%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
63%
Bearish Trend 2 days ago
66%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
61%
Bearish Trend 2 days ago
67%
Advances
ODDS (%)
Bullish Trend 11 days ago
68%
Bullish Trend 11 days ago
65%
Declines
ODDS (%)
Bearish Trend 4 days ago
65%
Bearish Trend 2 days ago
65%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
56%
Bullish Trend 2 days ago
77%
Aroon
ODDS (%)
Bullish Trend 2 days ago
56%
Bullish Trend 2 days ago
67%
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ECPG
Daily Signal:
Gain/Loss:
SYF
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 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

SYF and

Correlation & Price change

A.I.dvisor indicates that over the last year, SYF has been closely correlated with COF. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if SYF jumps, then COF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To SYF
1D Price
Change %
SYF100%
-0.31%
COF - SYF
87%
Closely correlated
+1.30%
OMF - SYF
86%
Closely correlated
-0.41%
BFH - SYF
86%
Closely correlated
-1.13%
AXP - SYF
85%
Closely correlated
+0.07%
ALLY - SYF
79%
Closely correlated
+0.30%
More