Encore Capital Group Inc (ECPG)vsJPMorgan Chase & Co (JPM)
ECPG
Encore Capital Group Inc
$81.46
+1.07%
FINANCIAL SERVICES · Cap: $1.71B
JPM
JPMorgan Chase & Co
$312.37
+2.31%
FINANCIAL SERVICES · Cap: $806.43B
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 9274% more annual revenue ($173.56B vs $1.85B). JPM leads profitability with a 33.9% profit margin vs 16.0%. ECPG appears more attractively valued with a PEG of 0.17. ECPG earns a higher WallStSmart Score of 90/100 (A).
ECPG
Exceptional Buy90
out of 100
Grade: A
JPM
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Attractively priced relative to earnings
Strong operational efficiency at 38.7%
Earnings expanding 100.0% YoY
Every $100 of equity generates 29 in profit
Reasonable price relative to book value
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 43.7%
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : ECPG
The strongest argument for ECPG centers on PEG Ratio, P/E Ratio, Operating Margin. Profitability is solid with margins at 16.0% and operating margin at 38.7%. Revenue growth of 21.0% demonstrates continued momentum.
Bull Case : JPM
The strongest argument for JPM centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 43.7%. Revenue growth of 12.7% demonstrates continued momentum.
Bear Case : ECPG
The primary concerns for ECPG are Market Cap, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.90 is elevated, increasing financial risk.
Bear Case : JPM
The primary concerns for JPM are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 3.39 is elevated, increasing financial risk.
Key Dynamics to Monitor
ECPG profiles as a growth stock while JPM is a mature play — different risk/reward profiles.
ECPG carries more volatility with a beta of 1.33 — expect wider price swings.
ECPG is growing revenue faster at 21.0% — sustainability is the question.
ECPG generates stronger free cash flow (77M), providing more financial flexibility.
Bottom Line
ECPG scores higher overall (90/100 vs 73/100), backed by strong 16.0% margins and 21.0% 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.
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.
JPMorgan Chase & Co
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
JPMorgan Chase & Co. is an American multinational investment bank and financial services holding company headquartered in New York City. JPMorgan Chase is incorporated in Delaware. As a Bulge Bracket bank, it is a major provider of various investment banking and financial services. It is one of America's Big Four banks, along with Bank of America, Citigroup, and Wells Fargo. JPMorgan Chase is considered to be a universal bank and a custodian bank. The J.P. Morgan brand is used by the investment banking, asset management, private banking, private wealth management, and treasury services divisions.
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