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

Lufax Holding Ltd. ADR

NYSE
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Encore Capital Group Inc.

NASDAQ
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TLDR: Quick Comparison Summary

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

View Metrics Details

Vital Metrics Comparison

Metric Lufax Holding Ltd. ADR Encore Capital Group Inc. Better
P/E Ratio (TTM) 19.95 7.65 Encore Capital Group Inc.
Price-to-Book Ratio 0.14 1.85 Lufax Holding Ltd. ADR
Debt-to-Equity Ratio 55.13 418.03 Lufax Holding Ltd. ADR
PEG Ratio 3.24 -0.06 Lufax Holding Ltd. ADR
EV/EBITDA -0.69 8.72 Encore Capital Group Inc.
Profit Margin (TTM) -13.65% 14.52% Encore Capital Group Inc.
Operating Margin (TTM) -12.79% 36.62% Encore Capital Group Inc.
EBITDA Margin (TTM) N/A 36.62% N/A
Return on Equity -4.09% 29.45% Encore Capital Group Inc.
Return on Assets (TTM) 2.10% 7.73% Encore Capital Group Inc.
Free Cash Flow (TTM) $1.74B $126.93M Lufax Holding Ltd. ADR
1-Year Return -52.50% 113.38% Encore Capital Group Inc.
Price-to-Sales Ratio (TTM) 0.06 1.05 Lufax Holding Ltd. ADR
Enterprise Value $-754.55M $5.71B Encore Capital Group Inc.
EV/Revenue Ratio -0.18 3.23 Encore Capital Group Inc.
Gross Profit Margin (TTM) N/A 55.09% N/A
Revenue per Share (TTM) $41 $76 Encore Capital Group Inc.
Earnings per Share (Diluted) $-0.81 $10.91 Encore Capital Group Inc.
Beta (Stock Volatility) 0.67 1.27 Lufax Holding Ltd. ADR
Short % of Float N/A 8.21% N/A

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

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LU
ECPG

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Lufax Holding Ltd. ADR2.26%-1.45%-27.27%-39.82%-47.29%-49.44%
Encore Capital Group Inc.1.61%2.93%1.26%24.36%53.88%47.83%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Lufax Holding Ltd. ADR-52.50%-78.69%-97.34%-97.41%-97.41%-97.41%
Encore Capital Group Inc.113.38%66.65%71.28%233.36%174.70%597.00%

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

MetricLUECPG
Market Information
Market Cap i$1.76B$1.88B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i1,880,599391,438
90 Day Avg. Volume i1,826,923328,879
Last Close$1.36$82.65
52 Week Range$1.29 - $4.57$35.67 - $92.64
% from 52W High-70.24%-10.78%
All-Time High$80.68 (Nov 09, 2020)$92.64 (May 07, 2026)
% from All-Time High-98.31%-10.78%
Growth Metrics
Quarterly Revenue Growth-0.31%0.78%
Quarterly Earnings Growth4.74%0.78%
Financial Health
Profit Margin (TTM) i-0.14%0.15%
Operating Margin (TTM) i-0.13%0.37%
Return on Equity (TTM) i-0.04%0.29%
Debt to Equity (MRQ) i55.13418.03
Cash & Liquidity
Book Value per Share (MRQ)$13.68$45.04
Cash per Share (MRQ)$33.36$7.32
Operating Cash Flow (TTM) i$265.83M$153.20M
Levered Free Cash Flow (TTM) i$2.88B$-377,221,376
Dividends
Last 12-Month Dividend Yield iN/AN/A
Last 12-Month Dividend i$0.00N/A

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

MetricLU (Apr 24, 2026)ECPG (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i19.957.65
Forward P/E i3.246.25
PEG Ratio i3.24-0.06
Price to Sales (TTM) i0.061.05
Price to Book (MRQ) i0.141.85
Market Capitalization
Market Capitalization i$1.76B$1.88B
Enterprise Value i$-754,546,422$5.71B
Enterprise Value Metrics
Enterprise to Revenue i-0.183.23
Enterprise to EBITDA i-0.698.72
Risk & Other Metrics
Beta i0.671.27
Book Value per Share (MRQ) i$13.68$45.04

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

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricLU (2024)ECPG (2025)
Revenue/Sales i19.18B1.77B
Cost of Goods Sold iN/A802.97M
COGS % of Revenue i0.0%45.4%
Gross Profit iN/A965.83M
Gross Margin i0.0%54.6%
Research & Development iN/AN/A
Operating Income (EBIT) iN/A626.65M
Operating Margin i0.0%35.4%
EBITDA iN/A647.01M
EBITDA Margin i0.0%36.6%
Pre-Tax Income i-2.08B336.16M
Pre-Tax Income % of Revenue i-10.8%19.0%
Income Tax i1.52B79.33M
Income Tax % of Revenue i7.9%4.5%
Net Income (Profit) i-3.60B256.83M
Profit Margin i-18.8%14.5%

Balance Sheet & Liquidity Metrics

MetricLU (2024)ECPG (2025)
Cash & Equivalents i30.20B156.78M
Total Current Assets iN/A240.15M
Total Current Assets % of Revenue i0.0%13.6%
Total Current Liabilities iN/A230.26M
Total Current Liabilities % of Revenue i0.0%13.0%
Long-Term Debt i57.59B4.00B
Long-Term Debt % of Revenue i300.2%226.2%
Total Shareholders Equity i83.60B976.75M
Retained Earnings i58.80B1.10B
Retained Earnings % of Revenue i306.5%62.5%
Property, Plant & Equipment iN/A58.15M

Cash Flow Statement Comparison

MetricLU (2024)ECPG (2025)
Operating Cash Flow i-554.20M153.20M
Operating Cash Flow % of Revenue i-2.9%8.7%
Capital Expenditures i-62.90M11.38M
Free Cash Flow i1.74B126.93M
FCF Margin i9.1%7.2%
Debt Repayment i-14.57B-1.62B
Common Stock Repurchase iN/A-90.40M

Short Interest & Institutional Ownership Analysis

MetricLUECPG
Shares Short i6.46M1.19M
Short Ratio i3.254.10
Short % of Float iN/A8.21%
Shares Outstanding i1.73B21.69M
Float Shares i475.52M20.74M
% Held by Insiders i1.90%4.12%
% Held by Institutions i10.24%107.19%
% Held by Public i87.86%-11.31%

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

MetricLUECPG
Last 12-Month Dividend i$0.00N/A
Last 12-Month Dividend Yield iN/AN/A
3-Year Avg Annual Dividend i$0.35N/A
3-Year Avg Dividend Yield i4.95%N/A
3-Year Total Dividends i$1.04N/A
Ex-Dividend DateOct 11, 2023N/A