COMP <GO>
ECPG vs MS // ALTMAN Z-SCORE & DEBT/EQUITY
Encore Capital Group Inc (NASDAQ) VS. Morgan Stanley (NYSE) • 15-METRIC TALLY: ECPG 8
— MS 3
■ METRIC PARITY
LAST: $102.36 (+0.73%) • MKT CAP: $2.17B
balance-sheet
—
LAST: $190.00 (-0.07%) • MKT CAP: $298.41B
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (ECPG VS. MS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | ECPG | MS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 60.40% | 3.00% | +57.40 | ECPG | /roic <GO> |
| EV/EBITDA & P/E Valuation | 3.1x | 31.0x | -27.90 | ECPG | /valuation <GO> |
| Free Cash Flow Yield | 5.85% | -7.25% | +13.10 | ECPG | /fcf-yield <GO> |
| Operating Margin | 75.00% | 24.60% | +50.40 | ECPG | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 20.20% | +47.80 | ECPG | /net-margins <GO> |
| Revenue Growth (YoY) | 4.30% | 5.50% | -1.20 | MS | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 2.21% | -2.21 | MS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 5/9 | +1.00 | ECPG | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 54.6 | 51.0 | +3.60 | ECPG | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.04 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 7.8x | 16.5x | -8.70 | ECPG | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $2.17B | $298.41B | -$296.24B | MS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | ECPG REV | MS REV | ECPG GROSS % | MS GROSS % | ECPG FCF | MS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $88.4M | $0 | — | — | $126.9M | -$17.89B |
| FY 2024 | $84.8M | $0 | — | — | $127.2M | $1.36B |
| FY 2023 | $83.1M | $0 | — | — | $153.0M | -$33.54B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
ECPG // BETA —
MS // BETA 1.04