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

Encore Capital Group Inc.

NASDAQ
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Visa Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Encore Capital Group Inc. wins in 8 metrics, Visa Inc. wins in 12 metrics, with 0 ties. Visa Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Encore Capital Group Inc. Visa Inc. Better
P/E Ratio (TTM) 7.65 28.98 Encore Capital Group Inc.
Price-to-Book Ratio 1.85 15.42 Encore Capital Group Inc.
Debt-to-Equity Ratio 418.03 54.61 Visa Inc.
PEG Ratio -0.06 1.66 Visa Inc.
EV/EBITDA 8.72 20.50 Encore Capital Group Inc.
Profit Margin (TTM) 14.52% 50.23% Visa Inc.
Operating Margin (TTM) 36.62% 68.30% Visa Inc.
EBITDA Margin (TTM) 36.62% 68.30% Visa Inc.
Return on Equity 29.45% 53.95% Visa Inc.
Return on Assets (TTM) 7.73% 18.36% Visa Inc.
Free Cash Flow (TTM) $126.93M $21.58B Visa Inc.
Dividend Yield N/A 0.78% N/A
1-Year Return 113.38% -8.63% Encore Capital Group Inc.
Price-to-Sales Ratio (TTM) 1.05 14.39 Encore Capital Group Inc.
Enterprise Value $5.71B $594.14B Visa Inc.
EV/Revenue Ratio 3.23 14.35 Encore Capital Group Inc.
Gross Profit Margin (TTM) 55.09% 81.68% Visa Inc.
Revenue per Share (TTM) $76 $21 Encore Capital Group Inc.
Earnings per Share (Diluted) $10.91 $10.66 Encore Capital Group Inc.
Beta (Stock Volatility) 1.27 0.80 Visa Inc.
Short % of Float 8.21% 1.40% Visa Inc.

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

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ECPG
V

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Encore Capital Group Inc.1.61%2.93%1.26%24.36%53.88%47.83%
Visa Inc.0.44%1.30%-0.59%4.42%-6.65%-6.54%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Encore Capital Group Inc.113.38%66.65%71.28%233.36%174.70%597.00%
Visa Inc.-8.63%40.84%39.92%318.74%1,632.35%1,903.67%

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

MetricECPGV
Market Information
Market Cap i$1.88B$596.57B
Market Cap CategorySmall capMega cap
10 Day Avg. Volume i391,4386,138,912
90 Day Avg. Volume i328,8796,859,421
Last Close$82.65$323.82
52 Week Range$35.67 - $92.64$293.89 - $360.22
% from 52W High-10.78%-10.10%
All-Time High$92.64 (May 07, 2026)$375.51 (Jun 11, 2025)
% from All-Time High-10.78%-13.77%
Growth Metrics
Quarterly Revenue Growth0.78%0.15%
Quarterly Earnings Growth0.78%0.14%
Financial Health
Profit Margin (TTM) i0.15%0.50%
Operating Margin (TTM) i0.37%0.68%
Return on Equity (TTM) i0.29%0.54%
Debt to Equity (MRQ) i418.0354.61
Cash & Liquidity
Book Value per Share (MRQ)$45.04$20.03
Cash per Share (MRQ)$7.32$8.60
Operating Cash Flow (TTM) i$153.20M$24.44B
Levered Free Cash Flow (TTM) i$-377,221,376$22.03B
Dividends
Last 12-Month Dividend Yield iN/A0.78%
Last 12-Month Dividend iN/A$2.52

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

MetricECPG (Apr 24, 2026)V (Apr 26, 2026)
Price Ratios
P/E Ratio (TTM) i7.6528.98
Forward P/E i6.2521.23
PEG Ratio i-0.061.66
Price to Sales (TTM) i1.0514.39
Price to Book (MRQ) i1.8515.42
Market Capitalization
Market Capitalization i$1.88B$596.57B
Enterprise Value i$5.71B$594.14B
Enterprise Value Metrics
Enterprise to Revenue i3.2314.35
Enterprise to EBITDA i8.7220.50
Risk & Other Metrics
Beta i1.270.80
Book Value per Share (MRQ) i$45.04$20.03

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

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricECPG (2025)V (2025)
Revenue/Sales i1.77B40.00B
Cost of Goods Sold i802.97M7.86B
COGS % of Revenue i45.4%19.6%
Gross Profit i965.83M32.15B
Gross Margin i54.6%80.4%
Research & Development iN/AN/A
Operating Income (EBIT) i626.65M26.56B
Operating Margin i35.4%66.4%
EBITDA i647.01M27.78B
EBITDA Margin i36.6%69.4%
Pre-Tax Income i336.16M24.19B
Pre-Tax Income % of Revenue i19.0%60.5%
Income Tax i79.33M4.14B
Income Tax % of Revenue i4.5%10.3%
Net Income (Profit) i256.83M20.06B
Profit Margin i14.5%50.1%

Balance Sheet & Liquidity Metrics

MetricECPG (2025)V (2025)
Cash & Equivalents i156.78M17.16B
Total Current Assets i240.15M37.77B
Total Current Assets % of Revenue i13.6%94.4%
Total Current Liabilities i230.26M35.05B
Total Current Liabilities % of Revenue i13.0%87.6%
Long-Term Debt i4.00B19.60B
Long-Term Debt % of Revenue i226.2%49.0%
Total Shareholders Equity i976.75M37.91B
Retained Earnings i1.10B15.11B
Retained Earnings % of Revenue i62.5%37.8%
Property, Plant & Equipment i58.15M0

Cash Flow Statement Comparison

MetricECPG (2025)V (2025)
Operating Cash Flow i153.20M22.89B
Operating Cash Flow % of Revenue i8.7%57.2%
Capital Expenditures i11.38M-1.48B
Free Cash Flow i126.93M21.58B
FCF Margin i7.2%53.9%
Debt Repayment i-1.62B0
Common Stock Repurchase i-90.40M-18.32B

Short Interest & Institutional Ownership Analysis

MetricECPGV
Shares Short i1.19M23.46M
Short Ratio i4.103.17
Short % of Float i8.21%1.40%
Shares Outstanding i21.69M1.93B
Float Shares i20.74M1.74B
% Held by Insiders i4.12%0.59%
% Held by Institutions i107.19%90.99%
% Held by Public i-11.31%8.42%

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

MetricECPGV
Last 12-Month Dividend iN/A$2.52
Last 12-Month Dividend Yield iN/A0.78%
3-Year Avg Annual Dividend iN/A$2.23
3-Year Avg Dividend Yield iN/A0.19%
3-Year Total Dividends iN/A$6.68
Ex-Dividend DateN/AFeb 10, 2026