Encore Capital [ECPG] vs Federal Agricultural [AGM] Detailed Stock Comparison

Encore Capital Group Inc.

NASDAQ
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Federal Agricultural Mortgage Corporation

NYSE
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Encore Capital Group Inc. wins in 10 metrics, Federal Agricultural Mortgage Corporation wins in 8 metrics, with 0 ties. Encore Capital Group Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Encore Capital Group Inc. Federal Agricultural Mortgage Corporation Better
P/E Ratio (TTM) 7.65 10.44 Encore Capital Group Inc.
Price-to-Book Ratio 1.85 1.55 Federal Agricultural Mortgage Corporation
Debt-to-Equity Ratio 418.03 1,931.97 Encore Capital Group Inc.
PEG Ratio -0.06 -0.52 Encore Capital Group Inc.
EV/EBITDA 8.72 N/A N/A
Profit Margin (TTM) 14.52% 55.71% Federal Agricultural Mortgage Corporation
Operating Margin (TTM) 36.62% 65.51% Federal Agricultural Mortgage Corporation
EBITDA Margin (TTM) 36.62% 65.51% Federal Agricultural Mortgage Corporation
Return on Equity 29.45% 12.93% Encore Capital Group Inc.
Return on Assets (TTM) 7.73% 0.62% Encore Capital Group Inc.
Free Cash Flow (TTM) $126.93M $80.06M Encore Capital Group Inc.
Dividend Yield N/A 4.13% N/A
1-Year Return 110.90% -4.63% Encore Capital Group Inc.
Price-to-Sales Ratio (TTM) 1.05 5.06 Encore Capital Group Inc.
Enterprise Value $5.71B $34.65B Federal Agricultural Mortgage Corporation
EV/Revenue Ratio 3.23 93.06 Encore Capital Group Inc.
Gross Profit Margin (TTM) 55.09% N/A N/A
Revenue per Share (TTM) $76 $34 Encore Capital Group Inc.
Earnings per Share (Diluted) $10.91 $16.61 Federal Agricultural Mortgage Corporation
Beta (Stock Volatility) 1.27 0.97 Federal Agricultural Mortgage Corporation
Short % of Float 8.21% 0.11% Federal Agricultural Mortgage Corporation

Encore Capital Group Inc. vs Federal Agricultural Mortgage Corporation Stock Performance Analysis

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ECPG
AGM

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Encore Capital Group Inc.-0.10%-4.24%-6.13%10.11%47.79%39.67%
Federal Agricultural Mortgage Corporation-3.51%1.12%6.17%13.56%3.90%2.62%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Encore Capital Group Inc.110.90%71.49%68.74%204.15%147.08%763.17%
Federal Agricultural Mortgage Corporation-4.63%26.26%77.42%395.37%882.81%574.21%

Performance & Financial Health Analysis: Encore Capital Group Inc. vs Federal Agricultural Mortgage Corporation

MetricECPGAGM
Market Information
Market Cap i$1.88B$1.88B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i391,43887,912
90 Day Avg. Volume i328,879115,861
Last Close$78.01$174.70
52 Week Range$35.67 - $92.64$136.57 - $210.64
% from 52W High-15.79%-17.06%
All-Time High$92.64 (May 07, 2026)$217.60 (Jul 22, 2024)
% from All-Time High-15.79%-19.72%
Growth Metrics
Quarterly Revenue Growth0.78%-0.06%
Quarterly Earnings Growth0.78%-0.15%
Financial Health
Profit Margin (TTM) i0.15%0.56%
Operating Margin (TTM) i0.37%0.66%
Return on Equity (TTM) i0.29%0.13%
Debt to Equity (MRQ) i418.031,931.97
Cash & Liquidity
Book Value per Share (MRQ)$45.04$111.54
Cash per Share (MRQ)$7.32$87.64
Operating Cash Flow (TTM) i$153.20M$80.06M
Levered Free Cash Flow (TTM) i$-377,221,376$182.49M
Dividends
Last 12-Month Dividend Yield iN/A4.13%
Last 12-Month Dividend iN/A$6.10

Valuation & Enterprise Metrics Analysis: Encore Capital Group Inc. vs Federal Agricultural Mortgage Corporation

MetricECPG (Apr 24, 2026)AGM (Apr 26, 2026)
Price Ratios
P/E Ratio (TTM) i7.6510.44
Forward P/E i6.258.31
PEG Ratio i-0.06-0.52
Price to Sales (TTM) i1.055.06
Price to Book (MRQ) i1.851.55
Market Capitalization
Market Capitalization i$1.88B$1.88B
Enterprise Value i$5.71B$34.65B
Enterprise Value Metrics
Enterprise to Revenue i3.2393.06
Enterprise to EBITDA i8.72N/A
Risk & Other Metrics
Beta i1.270.97
Book Value per Share (MRQ) i$45.04$111.54

Financial Statements Comparison: Encore Capital Group Inc. vs Federal Agricultural Mortgage Corporation

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricECPG (2025)AGM (2025)
Revenue/Sales i1.77B408.37M
Cost of Goods Sold i802.97MN/A
COGS % of Revenue i45.4%0.0%
Gross Profit i965.83MN/A
Gross Margin i54.6%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) i626.65MN/A
Operating Margin i35.4%0.0%
EBITDA i647.01MN/A
EBITDA Margin i36.6%0.0%
Pre-Tax Income i336.16M255.71M
Pre-Tax Income % of Revenue i19.0%62.6%
Income Tax i79.33M48.30M
Income Tax % of Revenue i4.5%11.8%
Net Income (Profit) i256.83M207.42M
Profit Margin i14.5%50.8%

Balance Sheet & Liquidity Metrics

MetricECPG (2025)AGM (2025)
Cash & Equivalents i156.78M906.59M
Total Current Assets i240.15MN/A
Total Current Assets % of Revenue i13.6%0.0%
Total Current Liabilities i230.26MN/A
Total Current Liabilities % of Revenue i13.0%0.0%
Long-Term Debt i4.00B21.92B
Long-Term Debt % of Revenue i226.2%5,366.8%
Total Shareholders Equity i976.75M1.72B
Retained Earnings i1.10B1.05B
Retained Earnings % of Revenue i62.5%256.5%
Property, Plant & Equipment i58.15MN/A

Cash Flow Statement Comparison

MetricECPG (2025)AGM (2025)
Operating Cash Flow i153.20M211.15M
Operating Cash Flow % of Revenue i8.7%51.7%
Capital Expenditures i11.38M0
Free Cash Flow i126.93M80.06M
FCF Margin i7.2%19.6%
Debt Repayment i-1.62B-87.02B
Common Stock Repurchase i-90.40M-12.89M

Short Interest & Institutional Ownership Analysis

MetricECPGAGM
Shares Short i1.19M10,241
Short Ratio i4.100.08
Short % of Float i8.21%0.11%
Shares Outstanding i21.69M10.86M
Float Shares i20.74M10.21M
% Held by Insiders i4.12%1.56%
% Held by Institutions i107.19%87.95%
% Held by Public i-11.31%10.49%

Dividend Analysis & Yield Comparison: Encore Capital Group Inc. vs Federal Agricultural Mortgage Corporation

MetricECPGAGM
Last 12-Month Dividend iN/A$6.10
Last 12-Month Dividend Yield iN/A4.13%
3-Year Avg Annual Dividend iN/A$5.50
3-Year Avg Dividend Yield iN/A0.78%
3-Year Total Dividends iN/A$16.50
Ex-Dividend DateN/AMar 16, 2026