ECPG vs PRAA: stock comparison and AI forecast
Encore Capital Group Inc (ECPG) and Pra Group Inc (PRAA) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
ECPG Encore Capital Group Inc
- Price
- $99.83 +18.3% · 6M
- Market Cap
- $2.12B
- P/E Ratio
- 7.6x
- Size
- mid-cap
- AI Forecast
PRAA Pra Group Inc
- Price
- $19.74 -7.7% · 6M
- Market Cap
- $743M
- P/E Ratio
- –
- 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 2.8 times larger than PRAA by market capitalization ($2.12B against $743M).
- Over the last six months ECPG returned +18.3% and PRAA -7.7%.
- ECPG turns 15.9% of its revenue into net income, against -19.9% for PRAA.
- ECPG carries 4.16 times debt per unit of equity, against 3.95 times for PRAA.
- Both companies share the SEC industry classification Short-Term Business Credit Institutions.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | ECPG | PRAA |
|---|---|---|
| Market Cap | $2.12B | $743M |
| P/E Ratio | 7.59x | – |
| P/B Ratio | 1.96x | 0.71x |
| EPS | $13.16 | $-7.36 |
| Book Value/Share | $50.86 | $27.77 |
| Revenue/Share | $89.64 | $35.36 |
| FCF/Share | $5.90 | $-1.01 |
Profitability & Margins
| Metric | ECPG | PRAA |
|---|---|---|
| ROE | 28.0% | -25.4% |
| ROA | 5.4% | -5.1% |
| Operating Margin | 37.7% | 5.0% |
| Net Margin | 15.9% | -19.9% |
| EBT Margin | 20.6% | -14.2% |
| Tax Rate | 23.1% | -34.5% |
Financial Health
| Metric | ECPG | PRAA |
|---|---|---|
| D/E Ratio | 4.16x | 3.95x |
| Financial Leverage | 5.16x | 5.01x |
| Interest Coverage | 1.7x | – |
Cash Flow
| Metric | ECPG | PRAA |
|---|---|---|
| Operating Cash Flow | $151M | -$31M |
| Free Cash Flow | $125M | -$38M |
| Capital Spending | -$26M | -$6M |
| OCF Growth YoY | 21.8% | – |
| FCF Growth YoY | 30.1% | – |
| FCF/Sales | 6.6% | -2.8% |
| CapEx/Sales | 1.4% | 0.5% |
Operational Efficiency
| Metric | ECPG | PRAA |
|---|---|---|
| Asset Turnover | 0.34x | 0.25x |
| Fixed Assets Turnover | 23.6x | 59.9x |
Income Statement
| Metric | ECPG | PRAA |
|---|---|---|
| Total Revenue | $1.90B | $1.33B |
| Operating Income | $717M | $67M |
| Net Income | $302M | -$265M |
Dividend & Shareholder Information
| Metric | ECPG | PRAA |
|---|---|---|
| Shares Outstanding | 21M | 38M |
| Net Income Growth | – | -389.2% |
| EPS Growth | – | -415.9% |
ECPG vs PRAA: stock comparison and AI forecast
Which is bigger, ECPG or PRAA?
ECPG is 2.8 times larger than PRAA by market capitalization ($2.12B against $743M).
Which stock performed better over the last six months, ECPG or PRAA?
Over the last six months ECPG returned +18.3% and PRAA -7.7%.
Which one does Intratio's AI model rank higher, ECPG or PRAA?
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.
More comparisons
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.