ENVA vs ECPG

Head-to-Head Stock Analysis & Investment Rating

Last Updated: Aug 03, 2026

ENVA

56.5
AI Score
VS
ECPG Wins

ECPG

61.2
AI Score

Investment Advisor Scores

ENVA

57score
Recommendation
HOLD

ECPG

61score
Recommendation
BUY

AI Analyst Insights

Detailed Metrics Comparison

Metric ENVA ECPG Winner
Forward P/E 14.771 5.5432 ECPG
PEG Ratio 0 0.1692 Tie
Revenue Growth 31.1% 21.0% ENVA
Earnings Growth 39.9% 100.0% ECPG
Tradestie Score 56.5/100 61.2/100 ECPG
Profit Margin 21.0% 16.0% ENVA
Beta 1.00 1.00 Tie
AI Recommendation HOLD BUY ECPG

Relative Price Performance (Last 90 Days)

ENVA 1M: +9.9% · 3M: +51.3% ECPG 1M: +6.3% · 3M: +15.6%

Current Technical Phase

ENVA

Markup
Hold / add on dips

Price above SMA50, rising 50-day trend (15.2% over 20 days), RSI 69

RSI (14): 68.6 · Price: $258.57

ECPG

Markup
Hold / add on dips

Price above SMA50, rising 50-day trend (4.2% over 20 days), RSI 63

RSI (14): 62.8 · Price: $96.28

Fundamentals Snapshot

Metric ENVA ECPG
Market Cap
Forward P/E 12.6 6.8
Trailing P/E 18.9 7.3
Revenue (TTM)
Revenue Growth 0.3% 0.2%
Gross Margin 0.8% 1.0%
Operating Margin 0.3% 0.4%
EPS 13.47 12.84
Dividend Yield

Frequently Asked Questions

Based on our detailed analysis, ECPG is currently the stronger investment candidate based on our comprehensive scoring model.

We analyze revenue and earnings growth rates in the "Growth" section above. Generally, the company with higher year-over-year revenue and EPS growth is fostering better expansion. Check the table above for the specific growth percentages.

Valuation is determined by metrics like the P/E Ratio and PEG Ratio. A lower P/E typically suggests a stock is cheaper relative to its earnings. Refer to the "Valuation" section in our comparison table to see which stock currently trades at a more attractive multiple.