Encore Capital [ECPG] vs Visa [V] Detailed Stock Comparison

Encore Capital

NASDAQ
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Visa

NYSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Encore Capital wins in 6 metrics, Visa wins in 13 metrics, with 0 ties. Visa appears stronger overall.

View Metrics Details

Vital Metrics Comparison

MetricEncore CapitalVisaBetter
P/E Ratio (TTM)119.6433.12Visa
Price-to-Book Ratio1.1417.33Encore Capital
Debt-to-Equity Ratio445.1265.02Visa
PEG Ratio1.402.74Encore Capital
EV/EBITDA12.0024.26Encore Capital
Profit Margin (TTM)-6.07%52.16%Visa
Operating Margin (TTM)34.09%66.77%Visa
EBITDA Margin (TTM)34.09%66.77%Visa
Return on Equity-9.46%51.76%Visa
Return on Assets (TTM)4.64%17.05%Visa
Free Cash Flow (TTM)$126.95M$18.69BVisa
Dividend YieldN/A0.50%N/A
1-Year Return-8.24%18.12%Visa
Price-to-Sales Ratio (TTM)0.6916.94Encore Capital
Enterprise Value$4.83B$660.84BVisa
EV/Revenue Ratio3.2916.99Encore Capital
Gross Profit Margin (TTM)53.46%80.60%Visa
Revenue per Share (TTM)$62$21Encore Capital
Earnings per Share (Diluted)$-3.71$10.25Visa
Beta (Stock Volatility)1.530.92Visa
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

Encore Capital vs Visa Stock Performance Analysis

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Encore Capital
Visa
Encore Capital Stock Overview | Visa Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Encore Capital-0.20%-0.54%7.44%13.80%35.28%-5.94%
Visa-1.18%-1.10%0.80%-8.61%1.98%7.96%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Encore Capital-8.24%-11.46%12.12%12.61%117.25%150.62%
Visa18.12%75.60%67.53%386.36%1,882.65%2,009.57%

News Based Sentiment: Encore Capital vs Visa

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.

View Encore Capital News Sentiment Analysis

Visa

News based Sentiment: POSITIVE

Visa delivered strong financial results in September, exceeding analyst expectations for both revenue and earnings. The company continues to invest in and expand its digital payment capabilities, including stablecoins and the Visa Direct platform, positioning it for future growth. While insider selling and mixed institutional activity introduce some caution, the overall narrative is positive.

View Visa News Sentiment Analysis

Performance & Financial Health Analysis: Encore Capital vs Visa

MetricECPGV
Market Information
Market Cap i$1.02B$658.81B
Market Cap CategorySmall capMega cap
10 Day Avg. Volume i361,7104,715,170
90 Day Avg. Volume i332,4275,642,373
Last Close$44.21$339.43
52 Week Range$26.45 - $51.77$268.23 - $375.51
% from 52W High-14.60%-9.61%
All-Time High$72.73 (Jul 25, 2022)$375.51 (Jun 11, 2025)
% from All-Time High-39.21%-9.61%
Growth Metrics
Quarterly Revenue Growth0.24%0.14%
Quarterly Earnings Growth0.83%0.08%
Financial Health
Profit Margin (TTM) i-0.06%0.52%
Operating Margin (TTM) i0.34%0.67%
Return on Equity (TTM) i-0.09%0.52%
Debt to Equity (MRQ) i445.1265.02
Cash & Liquidity
Book Value per Share (MRQ)$38.80$19.58
Cash per Share (MRQ)$7.51$9.95
Operating Cash Flow (TTM) i$124.28M$23.48B
Levered Free Cash Flow (TTM) i$-504,604,128$18.05B
Dividends
Last 12-Month Dividend Yield iN/A0.50%
Last 12-Month Dividend iN/A$1.70

Valuation & Enterprise Metrics Analysis: Encore Capital vs Visa

MetricECPGV
Price Ratios
P/E Ratio (TTM) i119.6433.12
Forward P/E i5.9426.81
PEG Ratio i1.402.74
Price to Sales (TTM) i0.6916.94
Price to Book (MRQ) i1.1417.33
Market Capitalization
Market Capitalization i$1.02B$658.81B
Enterprise Value i$4.83B$660.84B
Enterprise Value Metrics
Enterprise to Revenue i3.2916.99
Enterprise to EBITDA i12.0024.26
Risk & Other Metrics
Beta i1.530.92
Book Value per Share (MRQ) i$38.80$19.58

Financial Statements Comparison: Encore Capital vs Visa

Financial Metrics

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Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)ECPGV
Revenue/Sales i$392.78M$9.59B
Cost of Goods Sold i$180.82M$1.88B
Gross Profit i$211.96M$7.71B
Research & Development iN/AN/A
Operating Income (EBIT) i$129.34M$6.44B
EBITDA i$135.01M$6.74B
Pre-Tax Income i$60.46M$5.44B
Income Tax i$13.66M$861.00M
Net Income (Profit) i$46.80M$4.58B

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)ECPGV
Cash & Equivalents i$187.12M$11.73B
Total Current Assets i$238.32M$32.93B
Total Current Liabilities i$1.15B$30.38B
Long-Term Debt i$2.87B$16.81B
Total Shareholders Equity i$819.06M$38.03B
Retained Earnings i$956.72M$16.52B
Property, Plant & Equipment i$141.86MN/A

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)ECPGV
Operating Cash Flow i$45.28M$4.22B
Capital Expenditures i$-6.99M$-327.00M
Free Cash Flow i$38.29M$4.37B
Debt Repayment i$-185.83MN/A
Common Stock Repurchase i$-10.00M$-4.60B

Short Interest & Institutional Ownership Analysis

MetricECPGV
Shares Short i1.39M26.02M
Short Ratio i4.494.06
Short % of Float i0.09%0.02%
Average Daily Volume (10 Day) i361,7104,715,170
Average Daily Volume (90 Day) i332,4275,642,373
Shares Outstanding i23.69M1.98B
Float Shares i22.36M1.76B
% Held by Insiders i0.04%0.01%
% Held by Institutions i1.11%0.91%

Dividend Analysis & Yield Comparison: Encore Capital vs Visa

MetricECPGV
Last 12-Month Dividend iN/A$1.70
Last 12-Month Dividend Yield iN/A0.50%
3-Year Avg Annual Dividend iN/A$1.81
3-Year Avg Dividend Yield iN/A0.19%
3-Year Total Dividends iN/A$5.44
Ex-Dividend DateN/AFeb 11, 2025