Atlanticus Holdings [ATLC] vs Encore Capital [ECPG] Detailed Stock Comparison

Atlanticus Holdings

NASDAQ
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Encore Capital

NASDAQ
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Atlanticus Holdings wins in 7 metrics, Encore Capital wins in 10 metrics, with 0 ties. Encore Capital appears stronger overall.

View Metrics Details

Vital Metrics Comparison

MetricAtlanticus HoldingsEncore CapitalBetter
P/E Ratio (TTM)11.94119.64Atlanticus Holdings
Price-to-Book Ratio1.821.14Encore Capital
Debt-to-Equity Ratio467.04445.12Encore Capital
PEG Ratio0.221.40Atlanticus Holdings
EV/EBITDAN/A12.00N/A
Profit Margin (TTM)26.89%-6.07%Atlanticus Holdings
Operating Margin (TTM)32.63%34.09%Encore Capital
EBITDA Margin (TTM)32.63%34.09%Encore Capital
Return on Equity20.77%-9.46%Atlanticus Holdings
Return on Assets (TTM)3.75%4.64%Encore Capital
Free Cash Flow (TTM)$467.62M$126.95MAtlanticus Holdings
1-Year Return130.51%-8.24%Atlanticus Holdings
Price-to-Sales Ratio (TTM)2.250.69Encore Capital
Enterprise Value$3.53B$4.83BEncore Capital
EV/Revenue Ratio7.733.29Encore Capital
Gross Profit Margin (TTM)N/A53.46%N/A
Revenue per Share (TTM)$31$62Encore Capital
Earnings per Share (Diluted)$5.69$-3.71Atlanticus Holdings
Beta (Stock Volatility)2.011.53Encore Capital
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

Atlanticus Holdings vs Encore Capital Stock Performance Analysis

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Atlanticus Holdings
Encore Capital
Atlanticus Holdings Stock Overview | Encore Capital Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Atlanticus Holdings6.21%6.38%18.80%33.92%55.87%31.60%
Encore Capital-0.20%-0.54%7.44%13.80%35.28%-5.94%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Atlanticus Holdings130.51%140.31%461.09%1,883.01%1,368.15%73.82%
Encore Capital-8.24%-11.46%12.12%12.61%117.25%150.62%

News Based Sentiment: Atlanticus Holdings vs Encore Capital

Atlanticus Holdings

News based Sentiment: POSITIVE

The acquisition of Mercury Financial is a significant event, representing approximately 16% of Atlanticus's market capitalization and adding substantial receivables and accounts. This, combined with analyst upgrades and continued financial maneuvering, paints a positive picture for the company's future growth and investor confidence.

View Atlanticus Holdings News Sentiment Analysis

Encore Capital

News based Sentiment: POSITIVE

Encore Capital Group's exceptional Q2 earnings beat, coupled with analyst upgrades and positive price movement, significantly strengthens the investment case. While institutional investor activity is mixed and profitability remains a concern, the overall narrative is overwhelmingly positive, indicating a strong trajectory for the company.

View Encore Capital News Sentiment Analysis

Performance & Financial Health Analysis: Atlanticus Holdings vs Encore Capital

MetricATLCECPG
Market Information
Market Cap i$1.09B$1.02B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i32,090361,710
90 Day Avg. Volume i41,580332,427
Last Close$72.17$44.21
52 Week Range$30.60 - $75.71$26.45 - $51.77
% from 52W High-4.68%-14.60%
All-Time High$91.98 (Nov 01, 2021)$72.73 (Jul 25, 2022)
% from All-Time High-21.54%-39.21%
Growth Metrics
Quarterly Revenue Growth0.36%0.24%
Quarterly Earnings Growth0.26%0.83%
Financial Health
Profit Margin (TTM) i0.27%-0.06%
Operating Margin (TTM) i0.33%0.34%
Return on Equity (TTM) i0.21%-0.09%
Debt to Equity (MRQ) i467.04445.12
Cash & Liquidity
Book Value per Share (MRQ)$37.24$38.80
Cash per Share (MRQ)$21.78$7.51
Operating Cash Flow (TTM) i$499.23M$124.28M
Levered Free Cash Flow (TTM) i$87.37M$-504,604,128
Dividends
Last 12-Month Dividend Yield iN/AN/A
Last 12-Month Dividend i$0.00N/A

Valuation & Enterprise Metrics Analysis: Atlanticus Holdings vs Encore Capital

MetricATLCECPG
Price Ratios
P/E Ratio (TTM) i11.94119.64
Forward P/E i11.645.94
PEG Ratio i0.221.40
Price to Sales (TTM) i2.250.69
Price to Book (MRQ) i1.821.14
Market Capitalization
Market Capitalization i$1.09B$1.02B
Enterprise Value i$3.53B$4.83B
Enterprise Value Metrics
Enterprise to Revenue i7.733.29
Enterprise to EBITDA iN/A12.00
Risk & Other Metrics
Beta i2.011.53
Book Value per Share (MRQ) i$37.24$38.80

Financial Statements Comparison: Atlanticus Holdings vs Encore Capital

Financial Metrics

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Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)ATLCECPG
Revenue/Sales i$89.62M$392.78M
Cost of Goods Sold iN/A$180.82M
Gross Profit iN/A$211.96M
Research & Development iN/AN/A
Operating Income (EBIT) iN/A$129.34M
EBITDA iN/A$135.01M
Pre-Tax Income i$40.15M$60.46M
Income Tax i$9.86M$13.66M
Net Income (Profit) i$30.29M$46.80M

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)ATLCECPG
Cash & Equivalents i$350.39M$187.12M
Total Current Assets iN/A$238.32M
Total Current Liabilities iN/A$1.15B
Long-Term Debt i$2.50B$2.87B
Total Shareholders Equity i$528.85M$819.06M
Retained Earnings i$422.57M$956.72M
Property, Plant & Equipment i$26.25M$141.86M

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)ATLCECPG
Operating Cash Flow i$133.58M$45.28M
Capital Expenditures i$-2.68M$-6.99M
Free Cash Flow i$128.89M$38.29M
Debt Repayment i$-310.66M$-185.83M
Common Stock Repurchase i$-51.25M$-10.00M

Short Interest & Institutional Ownership Analysis

MetricATLCECPG
Shares Short i302,8521.39M
Short Ratio i6.814.49
Short % of Float i0.17%0.09%
Average Daily Volume (10 Day) i32,090361,710
Average Daily Volume (90 Day) i41,580332,427
Shares Outstanding i14.90M23.69M
Float Shares i5.28M22.36M
% Held by Insiders i0.65%0.04%
% Held by Institutions i0.22%1.11%

Dividend Analysis & Yield Comparison: Atlanticus Holdings vs Encore Capital

MetricATLCECPG
Last 12-Month Dividend i$0.00N/A
Last 12-Month Dividend Yield iN/AN/A
3-Year Avg Annual Dividend i$0.00N/A
3-Year Avg Dividend Yield iN/AN/A
3-Year Total Dividends i$0.00N/A
Ex-Dividend DateN/AN/A