ECPG
Price
$55.52
Change
+$0.54 (+0.98%)
Updated
Dec 26 closing price
Capitalization
1.24B
60 days until earnings call
Intraday BUY SELL Signals
UHAL
Price
$51.36
Change
+$0.06 (+0.12%)
Updated
Dec 26 closing price
Capitalization
9.12B
46 days until earnings call
Intraday BUY SELL Signals
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ECPG vs UHAL

Header iconECPG vs UHAL Comparison
Open Charts ECPG vs UHALBanner chart's image
Encore Capital Group
Price$55.52
Change+$0.54 (+0.98%)
Volume$88.05K
Capitalization1.24B
U-Haul Holding
Price$51.36
Change+$0.06 (+0.12%)
Volume$156.95K
Capitalization9.12B
ECPG vs UHAL Comparison Chart in %
ECPG
Daily Signal:
Gain/Loss:
UHAL
Daily Signal:
Gain/Loss:
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ECPG vs. UHAL commentary
Dec 27, 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 UHAL is a Buy.

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COMPARISON
Comparison
Dec 27, 2025
Stock price -- (ECPG: $55.52 vs. UHAL: $51.36)
Brand notoriety: ECPG and UHAL are both not notable
ECPG represents the Savings Banks, while UHAL is part of the Finance/Rental/Leasing industry
Current volume relative to the 65-day Moving Average: ECPG: 35% vs. UHAL: 94%
Market capitalization -- ECPG: $1.24B vs. UHAL: $9.12B
ECPG [@Savings Banks] is valued at $1.24B. UHAL’s [@Finance/Rental/Leasing] market capitalization is $9.12B. The market cap for tickers in the [@Savings Banks] industry ranges from $684.45B to $0. The market cap for tickers in the [@Finance/Rental/Leasing] industry ranges from $52.68B to $0. The average market capitalization across the [@Savings Banks] industry is $23.06B. The average market capitalization across the [@Finance/Rental/Leasing] industry is $7.68B.

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

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

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 UHAL’s TA Score has 4 bullish TA indicator(s).

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

Price Growth

ECPG (@Savings Banks) experienced а +1.83% price change this week, while UHAL (@Finance/Rental/Leasing) price change was -0.56% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was +0.11%. For the same industry, the average monthly price growth was +1.02%, and the average quarterly price growth was +4.18%.

The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was +1.76%. For the same industry, the average monthly price growth was +4.76%, and the average quarterly price growth was +3.07%.

Reported Earning Dates

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

UHAL is expected to report earnings on Feb 11, 2026.

Industries' Descriptions

@Savings Banks (+0.11% 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.

@Finance/Rental/Leasing (+1.76% 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
UHAL($9.12B) has a higher market cap than ECPG($1.24B). ECPG YTD gains are higher at: 16.224 vs. UHAL (-25.662). UHAL has higher annual earnings (EBITDA): 1.72B vs. ECPG (332M). UHAL has more cash in the bank: 1.87B vs. ECPG (172M). ECPG has less debt than UHAL: ECPG (3.93B) vs UHAL (7.74B). UHAL has higher revenues than ECPG: UHAL (5.97B) vs ECPG (1.56B).
ECPGUHALECPG / UHAL
Capitalization1.24B9.12B14%
EBITDA332M1.72B19%
Gain YTD16.224-25.662-63%
P/E RatioN/A51.36-
Revenue1.56B5.97B26%
Total Cash172M1.87B9%
Total Debt3.93B7.74B51%
FUNDAMENTALS RATINGS
ECPG vs UHAL: Fundamental Ratings
ECPG
UHAL
OUTLOOK RATING
1..100
1363
VALUATION
overvalued / fair valued / undervalued
1..100
99
Overvalued
85
Overvalued
PROFIT vs RISK RATING
1..100
6876
SMR RATING
1..100
9288
PRICE GROWTH RATING
1..100
4163
P/E GROWTH RATING
1..100
111
SEASONALITY SCORE
1..100
2550

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.

UHAL's Valuation (85) in the Finance Or Rental Or Leasing industry is in the same range as ECPG (99). This means that UHAL’s stock grew similarly to ECPG’s over the last 12 months.

ECPG's Profit vs Risk Rating (68) in the Finance Or Rental Or Leasing industry is in the same range as UHAL (76). This means that ECPG’s stock grew similarly to UHAL’s over the last 12 months.

UHAL's SMR Rating (88) in the Finance Or Rental Or Leasing industry is in the same range as ECPG (92). This means that UHAL’s stock grew similarly to ECPG’s over the last 12 months.

ECPG's Price Growth Rating (41) in the Finance Or Rental Or Leasing industry is in the same range as UHAL (63). This means that ECPG’s stock grew similarly to UHAL’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 UHAL (11). This means that ECPG’s stock grew similarly to UHAL’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ECPGUHAL
RSI
ODDS (%)
Bearish Trend 2 days ago
77%
Bullish Trend 4 days ago
79%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
71%
Bullish Trend 2 days ago
63%
Momentum
ODDS (%)
Bearish Trend 2 days ago
62%
Bearish Trend 2 days ago
66%
MACD
ODDS (%)
Bearish Trend 2 days ago
73%
Bearish Trend 2 days ago
64%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
66%
Bearish Trend 2 days ago
64%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
62%
Bullish Trend 2 days ago
57%
Advances
ODDS (%)
Bullish Trend 2 days ago
67%
Bullish Trend 2 days ago
57%
Declines
ODDS (%)
Bearish Trend 25 days ago
66%
Bearish Trend 9 days ago
63%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
73%
N/A
Aroon
ODDS (%)
Bullish Trend 2 days ago
51%
Bullish Trend 2 days ago
51%
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ECPG
Daily Signal:
Gain/Loss:
UHAL
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 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%
+0.98%
PRAA - ECPG
59%
Loosely correlated
+0.57%
OMF - ECPG
53%
Loosely correlated
+0.16%
UHAL - ECPG
51%
Loosely correlated
+0.12%
BFH - ECPG
51%
Loosely correlated
-0.05%
SYF - ECPG
50%
Loosely correlated
-0.06%
More

UHAL and

Correlation & Price change

A.I.dvisor indicates that over the last year, UHAL has been loosely correlated with WSC. These tickers have moved in lockstep 58% of the time. This A.I.-generated data suggests there is some statistical probability that if UHAL jumps, then WSC could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To UHAL
1D Price
Change %
UHAL100%
+0.12%
WSC - UHAL
58%
Loosely correlated
+1.08%
AXP - UHAL
58%
Loosely correlated
-0.54%
R - UHAL
56%
Loosely correlated
-0.80%
OMF - UHAL
54%
Loosely correlated
+0.16%
URI - UHAL
53%
Loosely correlated
+0.38%
More