Encore Capital [ECPG] vs Lufax Holding [LU] Detailed Stock Comparison

Encore Capital Group Inc.

NASDAQ
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Lufax Holding Ltd. ADR

NYSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Encore Capital Group Inc. wins in 11 metrics, Lufax Holding Ltd. ADR wins in 6 metrics, with 0 ties. Encore Capital Group Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Encore Capital Group Inc. Lufax Holding Ltd. ADR Better
P/E Ratio (TTM) 7.65 19.95 Encore Capital Group Inc.
Price-to-Book Ratio 1.85 0.14 Lufax Holding Ltd. ADR
Debt-to-Equity Ratio 418.03 55.13 Lufax Holding Ltd. ADR
PEG Ratio -0.06 3.24 Lufax Holding Ltd. ADR
EV/EBITDA 8.72 -0.69 Encore Capital Group Inc.
Profit Margin (TTM) 14.52% -13.65% Encore Capital Group Inc.
Operating Margin (TTM) 36.62% -12.79% Encore Capital Group Inc.
EBITDA Margin (TTM) 36.62% N/A N/A
Return on Equity 29.45% -4.09% Encore Capital Group Inc.
Return on Assets (TTM) 7.73% 2.10% Encore Capital Group Inc.
Free Cash Flow (TTM) $126.93M $1.74B Lufax Holding Ltd. ADR
1-Year Return 110.90% -43.69% Encore Capital Group Inc.
Price-to-Sales Ratio (TTM) 1.05 0.06 Lufax Holding Ltd. ADR
Enterprise Value $5.71B $-754.55M Encore Capital Group Inc.
EV/Revenue Ratio 3.23 -0.18 Encore Capital Group Inc.
Gross Profit Margin (TTM) 55.09% N/A N/A
Revenue per Share (TTM) $76 $41 Encore Capital Group Inc.
Earnings per Share (Diluted) $10.91 $-0.81 Encore Capital Group Inc.
Beta (Stock Volatility) 1.27 0.67 Lufax Holding Ltd. ADR
Short % of Float 8.21% N/A N/A

Encore Capital Group Inc. vs Lufax Holding Ltd. ADR Stock Performance Analysis

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ECPG
LU

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Encore Capital Group Inc.-0.17%-4.24%-6.13%10.11%47.79%39.67%
Lufax Holding Ltd. ADR-3.70%1.25%-17.77%-36.22%-36.72%-39.78%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Encore Capital Group Inc.110.90%71.49%68.74%204.15%147.08%763.17%
Lufax Holding Ltd. ADR-43.69%-70.95%-96.71%-96.79%-96.79%-96.79%

Performance & Financial Health Analysis: Encore Capital Group Inc. vs Lufax Holding Ltd. ADR

MetricECPGLU
Market Information
Market Cap i$1.88B$1.76B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i391,4381,880,599
90 Day Avg. Volume i328,8791,826,923
Last Close$77.96$1.56
52 Week Range$35.67 - $92.64$1.53 - $4.57
% from 52W High-15.85%-65.86%
All-Time High$92.64 (May 07, 2026)$80.68 (Nov 09, 2020)
% from All-Time High-15.85%-98.07%
Growth Metrics
Quarterly Revenue Growth0.78%-0.31%
Quarterly Earnings Growth0.78%4.74%
Financial Health
Profit Margin (TTM) i0.15%-0.14%
Operating Margin (TTM) i0.37%-0.13%
Return on Equity (TTM) i0.29%-0.04%
Debt to Equity (MRQ) i418.0355.13
Cash & Liquidity
Book Value per Share (MRQ)$45.04$13.68
Cash per Share (MRQ)$7.32$33.36
Operating Cash Flow (TTM) i$153.20M$265.83M
Levered Free Cash Flow (TTM) i$-377,221,376$2.88B
Dividends
Last 12-Month Dividend Yield iN/AN/A
Last 12-Month Dividend iN/A$0.00

Valuation & Enterprise Metrics Analysis: Encore Capital Group Inc. vs Lufax Holding Ltd. ADR

MetricECPG (Apr 24, 2026)LU (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i7.6519.95
Forward P/E i6.253.24
PEG Ratio i-0.063.24
Price to Sales (TTM) i1.050.06
Price to Book (MRQ) i1.850.14
Market Capitalization
Market Capitalization i$1.88B$1.76B
Enterprise Value i$5.71B$-754,546,422
Enterprise Value Metrics
Enterprise to Revenue i3.23-0.18
Enterprise to EBITDA i8.72-0.69
Risk & Other Metrics
Beta i1.270.67
Book Value per Share (MRQ) i$45.04$13.68

Financial Statements Comparison: Encore Capital Group Inc. vs Lufax Holding Ltd. ADR

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricECPG (2025)LU (2024)
Revenue/Sales i1.77B19.18B
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 i336.16M-2.08B
Pre-Tax Income % of Revenue i19.0%-10.8%
Income Tax i79.33M1.52B
Income Tax % of Revenue i4.5%7.9%
Net Income (Profit) i256.83M-3.60B
Profit Margin i14.5%-18.8%

Balance Sheet & Liquidity Metrics

MetricECPG (2025)LU (2024)
Cash & Equivalents i156.78M30.20B
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 i4.00B57.59B
Long-Term Debt % of Revenue i226.2%300.2%
Total Shareholders Equity i976.75M83.60B
Retained Earnings i1.10B58.80B
Retained Earnings % of Revenue i62.5%306.5%
Property, Plant & Equipment i58.15MN/A

Cash Flow Statement Comparison

MetricECPG (2025)LU (2024)
Operating Cash Flow i153.20M-554.20M
Operating Cash Flow % of Revenue i8.7%-2.9%
Capital Expenditures i11.38M-62.90M
Free Cash Flow i126.93M1.74B
FCF Margin i7.2%9.1%
Debt Repayment i-1.62B-14.57B
Common Stock Repurchase i-90.40MN/A

Short Interest & Institutional Ownership Analysis

MetricECPGLU
Shares Short i1.19M6.46M
Short Ratio i4.103.25
Short % of Float i8.21%N/A
Shares Outstanding i21.69M1.73B
Float Shares i20.74M475.52M
% Held by Insiders i4.12%1.90%
% Held by Institutions i107.19%10.24%
% Held by Public i-11.31%87.86%

Dividend Analysis & Yield Comparison: Encore Capital Group Inc. vs Lufax Holding Ltd. ADR

MetricECPGLU
Last 12-Month Dividend iN/A$0.00
Last 12-Month Dividend Yield iN/AN/A
3-Year Avg Annual Dividend iN/A$0.35
3-Year Avg Dividend Yield iN/A4.95%
3-Year Total Dividends iN/A$1.04
Ex-Dividend DateN/AOct 11, 2023