Encore Capital [ECPG] vs American Express [AXP] Detailed Stock Comparison
Encore Capital
NASDAQ
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American Express
NYSE
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TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: Encore Capital wins in 6 metrics, American Express wins in 11 metrics, with 0 ties. American Express appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Encore Capital | American Express | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 119.64 | 22.83 | American Express |
| Price-to-Book Ratio | 1.14 | 7.01 | Encore Capital |
| Debt-to-Equity Ratio | 445.12 | 187.93 | American Express |
| PEG Ratio | 1.40 | -11.87 | American Express |
| EV/EBITDA | 12.00 | N/A | N/A |
| Profit Margin (TTM) | -6.07% | 15.99% | American Express |
| Operating Margin (TTM) | 34.09% | 21.00% | Encore Capital |
| EBITDA Margin (TTM) | 34.09% | 21.00% | Encore Capital |
| Return on Equity | -9.46% | 32.81% | American Express |
| Return on Assets (TTM) | 4.64% | 3.57% | Encore Capital |
| Free Cash Flow (TTM) | $126.95M | $12.14B | American Express |
| Dividend Yield | N/A | 0.99% | N/A |
| 1-Year Return | -8.24% | 25.60% | American Express |
| Price-to-Sales Ratio (TTM) | 0.69 | 3.57 | Encore Capital |
| Enterprise Value | $4.83B | $229.34B | American Express |
| EV/Revenue Ratio | 3.29 | 3.62 | Encore Capital |
| Gross Profit Margin (TTM) | 53.46% | N/A | N/A |
| Revenue per Share (TTM) | $62 | $90 | American Express |
| Earnings per Share (Diluted) | $-3.71 | $14.25 | American Express |
| Beta (Stock Volatility) | 1.53 | 1.29 | American Express |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Encore Capital vs American Express Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Encore Capital | -0.20% | -0.54% | 7.44% | 13.80% | 35.28% | -5.94% |
| American Express | -1.22% | -0.28% | 7.29% | 9.17% | 24.76% | 9.01% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Encore Capital | -8.24% | -11.46% | 12.12% | 12.61% | 117.25% | 150.62% |
| American Express | 25.60% | 112.50% | 214.48% | 328.31% | 686.32% | 524.98% |
News Based Sentiment: Encore Capital vs American Express
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.
American Express
News based Sentiment: POSITIVE
American Express demonstrated strong financial performance in Q2 and continued expansion of its merchant base and strategic partnerships throughout September. While the Platinum Card refresh introduces a potential risk with the increased fee, the overall narrative remains positive, driven by revenue growth, analyst optimism, and a focus on attracting high-spending customers.
Performance & Financial Health Analysis: Encore Capital vs American Express
| Metric | ECPG | AXP |
|---|---|---|
| Market Information | ||
| Market Cap | $1.02B | $226.38B |
| Market Cap Category | Small cap | Mega cap |
| 10 Day Avg. Volume | 361,710 | 2,609,550 |
| 90 Day Avg. Volume | 332,427 | 2,406,207 |
| Last Close | $44.21 | $325.31 |
| 52 Week Range | $26.45 - $51.77 | $220.43 - $332.46 |
| % from 52W High | -14.60% | -2.15% |
| All-Time High | $72.73 (Jul 25, 2022) | $332.46 (Sep 05, 2025) |
| % from All-Time High | -39.21% | -2.15% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.24% | 0.09% |
| Quarterly Earnings Growth | 0.83% | -0.04% |
| Financial Health | ||
| Profit Margin (TTM) | -0.06% | 0.16% |
| Operating Margin (TTM) | 0.34% | 0.21% |
| Return on Equity (TTM) | -0.09% | 0.33% |
| Debt to Equity (MRQ) | 445.12 | 187.93 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $38.80 | $46.42 |
| Cash per Share (MRQ) | $7.51 | $83.01 |
| Operating Cash Flow (TTM) | $124.28M | $13.09B |
| Levered Free Cash Flow (TTM) | $-504,604,128 | $10.00B |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 0.99% |
| Last 12-Month Dividend | N/A | $2.92 |
Valuation & Enterprise Metrics Analysis: Encore Capital vs American Express
| Metric | ECPG | AXP |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 119.64 | 22.83 |
| Forward P/E | 5.94 | 21.52 |
| PEG Ratio | 1.40 | -11.87 |
| Price to Sales (TTM) | 0.69 | 3.57 |
| Price to Book (MRQ) | 1.14 | 7.01 |
| Market Capitalization | ||
| Market Capitalization | $1.02B | $226.38B |
| Enterprise Value | $4.83B | $229.34B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 3.29 | 3.62 |
| Enterprise to EBITDA | 12.00 | N/A |
| Risk & Other Metrics | ||
| Beta | 1.53 | 1.29 |
| Book Value per Share (MRQ) | $38.80 | $46.42 |
Financial Statements Comparison: Encore Capital vs American Express
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | ECPG | AXP |
|---|---|---|
| Revenue/Sales | $392.78M | $17.86B |
| Cost of Goods Sold | $180.82M | N/A |
| Gross Profit | $211.96M | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | $129.34M | N/A |
| EBITDA | $135.01M | N/A |
| Pre-Tax Income | $60.46M | $3.55B |
| Income Tax | $13.66M | $665.00M |
| Net Income (Profit) | $46.80M | $2.89B |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | ECPG | AXP |
|---|---|---|
| Cash & Equivalents | $187.12M | $52.41B |
| Total Current Assets | $238.32M | N/A |
| Total Current Liabilities | $1.15B | N/A |
| Long-Term Debt | $2.87B | $51.24B |
| Total Shareholders Equity | $819.06M | $31.20B |
| Retained Earnings | $956.72M | $23.39B |
| Property, Plant & Equipment | $141.86M | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | ECPG | AXP |
|---|---|---|
| Operating Cash Flow | $45.28M | $3.61B |
| Capital Expenditures | $-6.99M | $-430.00M |
| Free Cash Flow | $38.29M | $4.33B |
| Debt Repayment | $-185.83M | $-3.53B |
| Common Stock Repurchase | $-10.00M | $-1.21B |
Short Interest & Institutional Ownership Analysis
| Metric | ECPG | AXP |
|---|---|---|
| Shares Short | 1.39M | 10.58M |
| Short Ratio | 4.49 | 4.48 |
| Short % of Float | 0.09% | 0.02% |
| Average Daily Volume (10 Day) | 361,710 | 2,609,550 |
| Average Daily Volume (90 Day) | 332,427 | 2,406,207 |
| Shares Outstanding | 23.69M | 702.00M |
| Float Shares | 22.36M | 542.70M |
| % Held by Insiders | 0.04% | 0.22% |
| % Held by Institutions | 1.11% | 0.65% |
Dividend Analysis & Yield Comparison: Encore Capital vs American Express
| Metric | ECPG | AXP |
|---|---|---|
| Last 12-Month Dividend | N/A | $2.92 |
| Last 12-Month Dividend Yield | N/A | 0.99% |
| 3-Year Avg Annual Dividend | N/A | $2.33 |
| 3-Year Avg Dividend Yield | N/A | 0.32% |
| 3-Year Total Dividends | N/A | $6.98 |
| Ex-Dividend Date | N/A | Apr 04, 2025 |