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

Atlanticus Holdings Corp.

NASDAQ
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Encore Capital Group Inc.

NASDAQ
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Atlanticus Holdings Corp. wins in 5 metrics, Encore Capital Group Inc. wins in 13 metrics, with 0 ties. Encore Capital Group Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Atlanticus Holdings Corp. Encore Capital Group Inc. Better
P/E Ratio (TTM) 12.58 7.65 Encore Capital Group Inc.
Price-to-Book Ratio 1.84 1.85 Atlanticus Holdings Corp.
Debt-to-Equity Ratio 1,016.20 418.03 Encore Capital Group Inc.
PEG Ratio 5.88 -0.06 Atlanticus Holdings Corp.
EV/EBITDA N/A 8.72 N/A
Profit Margin (TTM) 21.93% 14.52% Atlanticus Holdings Corp.
Operating Margin (TTM) 26.28% 36.62% Encore Capital Group Inc.
EBITDA Margin (TTM) 26.28% 36.62% Encore Capital Group Inc.
Return on Equity 19.72% 29.45% Encore Capital Group Inc.
Return on Assets (TTM) 2.21% 7.73% Encore Capital Group Inc.
Free Cash Flow (TTM) $632.94M $126.93M Atlanticus Holdings Corp.
1-Year Return 81.35% 113.38% Encore Capital Group Inc.
Price-to-Sales Ratio (TTM) 2.01 1.05 Encore Capital Group Inc.
Enterprise Value $7.08B $5.71B Atlanticus Holdings Corp.
EV/Revenue Ratio 12.70 3.23 Encore Capital Group Inc.
Gross Profit Margin (TTM) N/A 55.09% N/A
Revenue per Share (TTM) $37 $76 Encore Capital Group Inc.
Earnings per Share (Diluted) $5.96 $10.91 Encore Capital Group Inc.
Beta (Stock Volatility) 1.88 1.27 Encore Capital Group Inc.
Short % of Float 31.63% 8.21% Encore Capital Group Inc.

Atlanticus Holdings Corp. vs Encore Capital Group Inc. Stock Performance Analysis

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ATLC
ECPG

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Atlanticus Holdings Corp.2.90%10.68%23.20%94.28%46.65%43.27%
Encore Capital Group Inc.1.61%2.93%1.26%24.36%53.88%47.83%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Atlanticus Holdings Corp.81.35%138.09%148.67%3,211.11%3,211.11%144.13%
Encore Capital Group Inc.113.38%66.65%71.28%233.36%174.70%597.00%

Performance & Financial Health Analysis: Atlanticus Holdings Corp. vs Encore Capital Group Inc.

MetricATLCECPG
Market Information
Market Cap i$1.14B$1.88B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i67,044391,438
90 Day Avg. Volume i68,218328,879
Last Close$95.06$82.65
52 Week Range$45.74 - $96.60$35.67 - $92.64
% from 52W High-1.59%-10.78%
All-Time High$96.60 (Jun 15, 2026)$92.64 (May 07, 2026)
% from All-Time High-1.59%-10.78%
Growth Metrics
Quarterly Revenue Growth0.50%0.78%
Quarterly Earnings Growth0.12%0.78%
Financial Health
Profit Margin (TTM) i0.22%0.15%
Operating Margin (TTM) i0.26%0.37%
Return on Equity (TTM) i0.20%0.29%
Debt to Equity (MRQ) i1,016.20418.03
Cash & Liquidity
Book Value per Share (MRQ)$40.79$45.04
Cash per Share (MRQ)$41.63$7.32
Operating Cash Flow (TTM) i$637.96M$153.20M
Levered Free Cash Flow (TTM) i$111.80M$-377,221,376
Dividends
Last 12-Month Dividend Yield iN/AN/A
Last 12-Month Dividend i$0.00N/A

Valuation & Enterprise Metrics Analysis: Atlanticus Holdings Corp. vs Encore Capital Group Inc.

MetricATLC (Apr 24, 2026)ECPG (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i12.587.65
Forward P/E i5.886.25
PEG Ratio i5.88-0.06
Price to Sales (TTM) i2.011.05
Price to Book (MRQ) i1.841.85
Market Capitalization
Market Capitalization i$1.14B$1.88B
Enterprise Value i$7.08B$5.71B
Enterprise Value Metrics
Enterprise to Revenue i12.703.23
Enterprise to EBITDA iN/A8.72
Risk & Other Metrics
Beta i1.881.27
Book Value per Share (MRQ) i$40.79$45.04

Financial Statements Comparison: Atlanticus Holdings Corp. vs Encore Capital Group Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricATLC (2025)ECPG (2025)
Revenue/Sales i402.60M1.77B
Cost of Goods Sold iN/A802.97M
COGS % of Revenue i0.0%45.4%
Gross Profit iN/A965.83M
Gross Margin i0.0%54.6%
Research & Development iN/AN/A
Operating Income (EBIT) iN/A626.65M
Operating Margin i0.0%35.4%
EBITDA iN/A647.01M
EBITDA Margin i0.0%36.6%
Pre-Tax Income i159.71M336.16M
Pre-Tax Income % of Revenue i39.7%19.0%
Income Tax i39.10M79.33M
Income Tax % of Revenue i9.7%4.5%
Net Income (Profit) i120.61M256.83M
Profit Margin i30.0%14.5%

Balance Sheet & Liquidity Metrics

MetricATLC (2025)ECPG (2025)
Cash & Equivalents i621.09M156.78M
Total Current Assets iN/A240.15M
Total Current Assets % of Revenue i0.0%13.6%
Total Current Liabilities iN/A230.26M
Total Current Liabilities % of Revenue i0.0%13.0%
Long-Term Debt i6.54B4.00B
Long-Term Debt % of Revenue i1,625.1%226.2%
Total Shareholders Equity i603.83M976.75M
Retained Earnings i506.42M1.10B
Retained Earnings % of Revenue i125.8%62.5%
Property, Plant & Equipment i25.82M58.15M

Cash Flow Statement Comparison

MetricATLC (2025)ECPG (2025)
Operating Cash Flow i838.25M153.20M
Operating Cash Flow % of Revenue i208.2%8.7%
Capital Expenditures i-5.02M11.38M
Free Cash Flow i632.94M126.93M
FCF Margin i157.2%7.2%
Debt Repayment i-2.73B-1.62B
Common Stock Repurchase i-69.57M-90.40M

Short Interest & Institutional Ownership Analysis

MetricATLCECPG
Shares Short i484,3771.19M
Short Ratio i7.254.10
Short % of Float i31.63%8.21%
Shares Outstanding i14.92M21.69M
Float Shares i4.95M20.74M
% Held by Insiders i66.39%4.12%
% Held by Institutions i25.12%107.19%
% Held by Public i8.49%-11.31%

Dividend Analysis & Yield Comparison: Atlanticus Holdings Corp. vs Encore Capital Group Inc.

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