COMP <GO>
ECPG vs BAC // RETURN ON INVESTED CAPITAL (ROIC)
Encore Capital Group Inc (NASDAQ) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: ECPG 7
— BAC 3
▲ RETURN ON INVESTED CAPITAL (ROIC) LEADER: ECPG
LAST: $102.36 (+0.73%) • MKT CAP: $2.17B
roic
60.40%
LAST: $51.14 (+0.57%) • MKT CAP: $357.61B
roic
2.50%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (ECPG VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | ECPG | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) ACTIVE | 60.40% | 2.50% | +57.90 | ECPG | /roic <GO> |
| EV/EBITDA & P/E Valuation | 3.1x | 30.2x | -27.10 | ECPG | /valuation <GO> |
| Free Cash Flow Yield | 5.85% | 2.10% | +3.75 | ECPG | /fcf-yield <GO> |
| Operating Margin | 75.00% | 32.90% | +42.10 | ECPG | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 27.00% | +41.00 | ECPG | /net-margins <GO> |
| Revenue Growth (YoY) | 4.30% | 6.80% | -2.50 | BAC | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 7/9 | -1.00 | BAC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 49.8 | 38.3 | +11.53 | ECPG | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 0.90 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 7.8x | 10.9x | -3.10 | ECPG | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $2.17B | $357.61B | -$355.44B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | ECPG REV | BAC REV | ECPG GROSS % | BAC GROSS % | ECPG FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $88.4M | $113.10B | — | — | $126.9M | $7.52B |
| FY 2024 | $84.8M | $105.86B | — | — | $127.2M | -$13.57B |
| FY 2023 | $83.1M | $102.77B | — | — | $153.0M | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
ECPG // BETA —
BAC // BETA 0.90