Banner Corporation (BANR) vs Encore Capital Group, Inc. (ECPG)
A side-by-side comparison of Banner Corporation and Encore Capital Group, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — BANR vs ECPG
growth of $100 · dividends reinvested · last 10yBANR vs ECPG: by the numbers
- •BANR is the larger company ($2.31B vs $2.10B market cap).
- •ECPG trades at the lower trailing earnings multiple (7.43 vs 11.20 P/E), one valuation lens rather than an overall verdict.
- •BANR converts more revenue to profit (31.24% vs 15.88% net margin).
- •ECPG grew revenue faster over the past five years (3.09% vs 1.01% CAGR).
- •BANR pays a dividend (3.03% yield), while ECPG has no payments in the available dividend history.
Metrics side by side
Valuation
| Metric | BANR | ECPG |
|---|---|---|
| P/E ratio | 11.20 | 7.43 |
| Forward P/E | 11.40 | 7.26 |
| PEG ratio | 0.97 | 0.72 |
| P/S ratio | 3.46 | 1.11 |
| P/B ratio | 1.15 | 1.95 |
Profitability
| Metric | BANR | ECPG |
|---|---|---|
| Operating margin | 29.45% | 37.73% |
| Net margin | 31.24% | 15.88% |
| ROE | 10.42% | 27.96% |
Banner Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Encore Capital Group, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | BANR | ECPG |
|---|---|---|
| Dividend yield | 3.03% | N/A |
| Payout ratio | 33.66% | N/A |
Growth (annualized)
| Metric | BANR | ECPG |
|---|---|---|
| Revenue CAGR (5Y) | 1.01% | 3.09% |
| EPS CAGR (5Y) | 11.50% | 10.39% |
| Total return CAGR (5Y) | 6.88% | 14.44% |
Frequently asked
- Which has the lower trailing P/E, BANR or ECPG?
- ECPG has the lower trailing P/E: BANR trades at 11.20 and ECPG at 7.43. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, BANR or ECPG?
- Over the past five years, ECPG grew revenue faster — BANR at a 1.01% CAGR versus ECPG at 3.09%.
- Does BANR or ECPG pay a bigger dividend?
- BANR pays a dividend (3.03% yield), while ECPG has no payments in the available dividend history.
- Is BANR or ECPG more profitable?
- BANR runs the higher net margin — BANR at 31.24% versus ECPG at 15.88%.
- How have BANR and ECPG total returns compared?
- Over the past 10 years, BANR delivered 7.87% and ECPG delivered 15.67% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Banner & Encore Capital appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.