Capital One Financial Corporation (COF)vsEncore Capital Group Inc (ECPG)
COF
Capital One Financial Corporation
$185.23
+0.32%
FINANCIAL SERVICES · Cap: $112.86B
ECPG
Encore Capital Group Inc
$70.85
-0.18%
FINANCIAL SERVICES · Cap: $1.58B
Smart Verdict
WallStSmart Research — data-driven comparison
Capital One Financial Corporation generates 1753% more annual revenue ($32.78B vs $1.77B). ECPG leads profitability with a 14.5% profit margin vs 7.5%. ECPG appears more attractively valued with a PEG of 0.17. ECPG earns a higher WallStSmart Score of 90/100 (A).
COF
Strong Buy75
out of 100
Grade: B+
ECPG
Exceptional Buy90
out of 100
Grade: A
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-50.8%
Fair Value
$142.20
Current Price
$185.23
$43.03 premium
Margin of Safety
+88.7%
Fair Value
$509.65
Current Price
$70.85
$438.80 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Revenue surging 51.6% year-over-year
Large-cap with strong market position
Strong operational efficiency at 22.9%
Earnings expanding 22.2% YoY
Growing faster than its price suggests
Attractively priced relative to earnings
Strong operational efficiency at 81.8%
Revenue surging 78.3% year-over-year
Earnings expanding 151.6% YoY
Every $100 of equity generates 29 in profit
Areas to Watch
ROE of 2.4% — below average capital efficiency
7.5% margin — thin
Premium valuation, high expectations priced in
Smaller company, higher risk/reward
Comparative Analysis Report
WallStSmart ResearchBull Case : COF
The strongest argument for COF centers on PEG Ratio, Price/Book, Revenue Growth. Revenue growth of 51.6% demonstrates continued momentum. PEG of 0.19 suggests the stock is reasonably priced for its growth.
Bull Case : ECPG
The strongest argument for ECPG centers on PEG Ratio, P/E Ratio, Operating Margin. Revenue growth of 78.3% demonstrates continued momentum. PEG of 0.17 suggests the stock is reasonably priced for its growth.
Bear Case : COF
The primary concerns for COF are Return on Equity, Profit Margin, P/E Ratio. A P/E of 54.0x leaves little room for execution misses.
Bear Case : ECPG
The primary concerns for ECPG are Market Cap.
Key Dynamics to Monitor
COF profiles as a hypergrowth stock while ECPG is a growth play — different risk/reward profiles.
ECPG carries more volatility with a beta of 1.31 — expect wider price swings.
ECPG is growing revenue faster at 78.3% — sustainability is the question.
COF generates stronger free cash flow (6.7B), providing more financial flexibility.
Bottom Line
ECPG scores higher overall (90/100 vs 75/100) and 78.3% revenue growth. Both earn "Exceptional Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Capital One Financial Corporation
FINANCIAL SERVICES · CREDIT SERVICES · USA
Capital One Financial Corporation is an American bank holding company specializing in credit cards, auto loans, banking, and savings accounts, headquartered in McLean, Virginia with operations primarily in the United States.
Encore Capital Group Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Encore Capital Group, Inc., a specialty finance company, offers debt recovery solutions and other related services to consumers in a variety of financial assets worldwide. The company is headquartered in San Diego, California.
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