Encore Capital [ECPG] vs Mastercard [MA] Detailed Stock Comparison

Encore Capital Group Inc.

NASDAQ
Loading...

Mastercard Inc.

NYSE
Loading...

TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Encore Capital Group Inc. wins in 7 metrics, Mastercard Inc. wins in 13 metrics, with 0 ties. Mastercard Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Encore Capital Group Inc. Mastercard Inc. Better
P/E Ratio (TTM) 7.65 30.95 Encore Capital Group Inc.
Price-to-Book Ratio 1.85 59.09 Encore Capital Group Inc.
Debt-to-Equity Ratio 418.03 256.04 Mastercard Inc.
PEG Ratio -0.06 1.27 Mastercard Inc.
EV/EBITDA 8.72 22.63 Encore Capital Group Inc.
Profit Margin (TTM) 14.52% 45.65% Mastercard Inc.
Operating Margin (TTM) 36.62% 57.73% Mastercard Inc.
EBITDA Margin (TTM) 36.62% 57.73% Mastercard Inc.
Return on Equity 29.45% 209.92% Mastercard Inc.
Return on Assets (TTM) 7.73% 23.72% Mastercard Inc.
Free Cash Flow (TTM) $126.93M $16.43B Mastercard Inc.
Dividend Yield N/A 0.55% N/A
1-Year Return 110.90% -15.65% Encore Capital Group Inc.
Price-to-Sales Ratio (TTM) 1.05 13.92 Encore Capital Group Inc.
Enterprise Value $5.71B $464.97B Mastercard Inc.
EV/Revenue Ratio 3.23 14.18 Encore Capital Group Inc.
Gross Profit Margin (TTM) 55.09% 79.35% Mastercard Inc.
Revenue per Share (TTM) $76 $36 Encore Capital Group Inc.
Earnings per Share (Diluted) $10.91 $16.52 Mastercard Inc.
Beta (Stock Volatility) 1.27 0.83 Mastercard Inc.
Short % of Float 8.21% 0.70% Mastercard Inc.

Encore Capital Group Inc. vs Mastercard Inc. Stock Performance Analysis

Loading Price Chart...

ECPG
MA

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Encore Capital Group Inc.-0.17%-4.24%-6.13%10.11%47.79%39.67%
Mastercard Inc.-1.28%-3.08%-5.33%-8.28%-12.47%-15.15%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Encore Capital Group Inc.110.90%71.49%68.74%204.15%147.08%763.17%
Mastercard Inc.-15.65%32.18%34.96%414.40%1,682.68%10,410.21%

Performance & Financial Health Analysis: Encore Capital Group Inc. vs Mastercard Inc.

MetricECPGMA
Market Information
Market Cap i$1.88B$448.34B
Market Cap CategorySmall capMega cap
10 Day Avg. Volume i391,4383,152,477
90 Day Avg. Volume i328,8793,291,506
Last Close$77.96$471.55
52 Week Range$35.67 - $92.64$464.52 - $601.77
% from 52W High-15.85%-21.64%
All-Time High$92.64 (May 07, 2026)$601.77 (Aug 22, 2025)
% from All-Time High-15.85%-21.64%
Growth Metrics
Quarterly Revenue Growth0.78%0.18%
Quarterly Earnings Growth0.78%0.22%
Financial Health
Profit Margin (TTM) i0.15%0.46%
Operating Margin (TTM) i0.37%0.58%
Return on Equity (TTM) i0.29%2.10%
Debt to Equity (MRQ) i418.03256.04
Cash & Liquidity
Book Value per Share (MRQ)$45.04$8.65
Cash per Share (MRQ)$7.32$12.22
Operating Cash Flow (TTM) i$153.20M$17.65B
Levered Free Cash Flow (TTM) i$-377,221,376$16.27B
Dividends
Last 12-Month Dividend Yield iN/A0.55%
Last 12-Month Dividend iN/A$3.15

Valuation & Enterprise Metrics Analysis: Encore Capital Group Inc. vs Mastercard Inc.

MetricECPG (Apr 24, 2026)MA (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i7.6530.95
Forward P/E i6.2522.56
PEG Ratio i-0.061.27
Price to Sales (TTM) i1.0513.92
Price to Book (MRQ) i1.8559.09
Market Capitalization
Market Capitalization i$1.88B$448.34B
Enterprise Value i$5.71B$464.97B
Enterprise Value Metrics
Enterprise to Revenue i3.2314.18
Enterprise to EBITDA i8.7222.63
Risk & Other Metrics
Beta i1.270.83
Book Value per Share (MRQ) i$45.04$8.65

Financial Statements Comparison: Encore Capital Group Inc. vs Mastercard Inc.

Financial Metrics

Loading Financial Charts...

Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricECPG (2025)MA (2025)
Revenue/Sales i1.77B32.79B
Cost of Goods Sold i802.97M7.25B
COGS % of Revenue i45.4%22.1%
Gross Profit i965.83M25.54B
Gross Margin i54.6%77.9%
Research & Development iN/AN/A
Operating Income (EBIT) i626.65M19.51B
Operating Margin i35.4%59.5%
EBITDA i647.01M20.82B
EBITDA Margin i36.6%63.5%
Pre-Tax Income i336.16M18.58B
Pre-Tax Income % of Revenue i19.0%56.7%
Income Tax i79.33M3.61B
Income Tax % of Revenue i4.5%11.0%
Net Income (Profit) i256.83M14.97B
Profit Margin i14.5%45.6%

Balance Sheet & Liquidity Metrics

MetricECPG (2025)MA (2025)
Cash & Equivalents i156.78M10.57B
Total Current Assets i240.15M23.56B
Total Current Assets % of Revenue i13.6%71.8%
Total Current Liabilities i230.26M22.76B
Total Current Liabilities % of Revenue i13.0%69.4%
Long-Term Debt i4.00B18.25B
Long-Term Debt % of Revenue i226.2%55.7%
Total Shareholders Equity i976.75M7.75B
Retained Earnings i1.10B85.04B
Retained Earnings % of Revenue i62.5%259.3%
Property, Plant & Equipment i58.15M3.71B

Cash Flow Statement Comparison

MetricECPG (2025)MA (2025)
Operating Cash Flow i153.20M19.44B
Operating Cash Flow % of Revenue i8.7%59.3%
Capital Expenditures i11.38M-489.00M
Free Cash Flow i126.93M16.43B
FCF Margin i7.2%50.1%
Debt Repayment i-1.62B-750.00M
Common Stock Repurchase i-90.40M-11.73B

Short Interest & Institutional Ownership Analysis

MetricECPGMA
Shares Short i1.19M6.24M
Short Ratio i4.101.83
Short % of Float i8.21%0.70%
Shares Outstanding i21.69M894.04M
Float Shares i20.74M883.99M
% Held by Insiders i4.12%0.55%
% Held by Institutions i107.19%90.43%
% Held by Public i-11.31%9.02%

Dividend Analysis & Yield Comparison: Encore Capital Group Inc. vs Mastercard Inc.

MetricECPGMA
Last 12-Month Dividend iN/A$3.15
Last 12-Month Dividend Yield iN/A0.55%
3-Year Avg Annual Dividend iN/A$2.75
3-Year Avg Dividend Yield iN/A0.14%
3-Year Total Dividends iN/A$8.26
Ex-Dividend DateN/AJan 09, 2026