ECPG vs PLBC: stock comparison and AI forecast
Encore Capital Group Inc (ECPG) and Plumas Bancorp (PLBC) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
ECPG Encore Capital Group Inc
- Price
- $114.14 +38.8% · 6M
- Market Cap
- $2.42B
- P/E Ratio
- 7.3x
- Size
- mid-cap
- AI Forecast
PLBC Plumas Bancorp
- Price
- $62.46 +20.2% · 6M
- Market Cap
- $435M
- P/E Ratio
- 10.5x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Six-month price performance
Closing prices rebased to 100 at the start of the window.
Key facts
- ECPG is 5.6 times larger than PLBC by market capitalization ($2.42B against $435M).
- ECPG trades at 7.3 times trailing earnings, PLBC at 10.5 times.
- Over the last six months ECPG returned +38.8% and PLBC +20.2%.
- PLBC turns 36.9% of its revenue into net income, against 17.7% for ECPG.
- PLBC carries 7.64 times debt per unit of equity, against 4.27 times for ECPG.
- PLBC yields 2.07% in dividends; ECPG pays none.
- Both companies share the SEC industry classification Short-Term Business Credit Institutions.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | ECPG | PLBC |
|---|---|---|
| Market Cap | $2.42B | $435M |
| P/E Ratio | 7.34x | 10.48x |
| P/B Ratio | 2.24x | 1.66x |
| Dividend Yield | – | 2.07% |
| EPS | $15.55 | $5.96 |
| Book Value/Share | $50.86 | $37.71 |
| Revenue/Share | $93.61 | $16.38 |
| FCF/Share | $7.14 | $5.97 |
Profitability & Margins
| Metric | ECPG | PLBC |
|---|---|---|
| ROE | 32.5% | 16.0% |
| ROA | 6.2% | 1.9% |
| Operating Margin | 39.0% | – |
| Net Margin | 17.7% | 36.9% |
| EBT Margin | 22.8% | 48.1% |
| Tax Rate | 22.6% | 23.3% |
Financial Health
| Metric | ECPG | PLBC |
|---|---|---|
| D/E Ratio | 4.27x | 7.64x |
| Financial Leverage | 5.27x | 8.64x |
| Interest Coverage | 6.6x | – |
Cash Flow
| Metric | ECPG | PLBC |
|---|---|---|
| Operating Cash Flow | $176M | $42M |
| Free Cash Flow | $151M | $42M |
| Capital Spending | -$25M | -$700K |
| OCF Growth YoY | 10.3% | 80.1% |
| FCF Growth YoY | 14.7% | 85.9% |
| FCF/Sales | 7.6% | 36.4% |
| CapEx/Sales | 1.3% | 0.6% |
Operational Efficiency
| Metric | ECPG | PLBC |
|---|---|---|
| Asset Turnover | 0.35x | 0.05x |
| Fixed Assets Turnover | 25.4x | 4.9x |
Income Statement
| Metric | ECPG | PLBC |
|---|---|---|
| Total Revenue | $1.99B | $114M |
| Operating Income | $775M | – |
| Net Income | $351M | $42M |
Dividend & Shareholder Information
| Metric | ECPG | PLBC |
|---|---|---|
| Dividends Per Share | – | $1.29 |
| Payout Ratio | – | 21.6% |
| Shares Outstanding | 21M | 7M |
| Net Income Growth | – | 59.4% |
| EPS Growth | – | 39.2% |
ECPG vs PLBC: stock comparison and AI forecast
Which is bigger, ECPG or PLBC?
ECPG is 5.6 times larger than PLBC by market capitalization ($2.42B against $435M).
Which is cheaper on earnings, ECPG or PLBC?
ECPG trades at 7.3 times trailing earnings, PLBC at 10.5 times.
Which stock performed better over the last six months, ECPG or PLBC?
Over the last six months ECPG returned +38.8% and PLBC +20.2%.
Which one does Intratio's AI model rank higher, ECPG or PLBC?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.