COMP <GO>
ECPG vs V // ALTMAN Z-SCORE & DEBT/EQUITY
Encore Capital Group Inc (NASDAQ) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: ECPG 6
— V 5
■ METRIC PARITY
LAST: $100.23 (+0.25%) • MKT CAP: $2.13B
balance-sheet
—
LAST: $425.51 (+2.88%) • MKT CAP: $760.28B
balance-sheet
9.09
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (ECPG VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | ECPG | V | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 60.40% | 32.30% | +28.10 | ECPG | /roic <GO> |
| EV/EBITDA & P/E Valuation | 3.1x | 28.9x | -25.80 | ECPG | /valuation <GO> |
| Free Cash Flow Yield | 5.85% | 2.90% | +2.95 | ECPG | /fcf-yield <GO> |
| Operating Margin | 75.00% | 60.00% | +15.00 | ECPG | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 50.10% | +17.90 | ECPG | /net-margins <GO> |
| Revenue Growth (YoY) | 4.30% | 11.30% | -7.00 | V | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.63% | -0.63 | V | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | 9.09 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 9/9 | -3.00 | V | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 50.1 | 74.2 | -24.10 | V | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.06 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 7.8x | 34.0x | -26.20 | ECPG | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $2.13B | $760.28B | -$758.16B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | ECPG REV | V REV | ECPG GROSS % | V GROSS % | ECPG FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $88.4M | $40.00B | — | — | $126.9M | $21.26B |
| FY 2024 | $84.8M | $35.93B | — | — | $127.2M | $18.33B |
| FY 2023 | $83.1M | $32.65B | — | — | $153.0M | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
ECPG // BETA —
V // BETA 1.06