Brighthouse Financial, Inc. (BHFAP) vs Encore Capital Group, Inc. (ECPG)
A side-by-side comparison of Brighthouse Financial, Inc. 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 — BHFAP vs ECPG
growth of $100 · dividends reinvested · last 8yBHFAP vs ECPG: by the numbers
- •BHFAP is the larger company ($2.26B vs $2.10B market cap).
- •BHFAP trades at the lower trailing earnings multiple (1.07 vs 7.41 P/E), one valuation lens rather than an overall verdict.
- •ECPG converts more revenue to profit (15.88% vs 13.22% net margin).
- •ECPG grew revenue faster over the past five years (3.09% vs -5.56% CAGR).
- •BHFAP pays a dividend (12.12% yield), while ECPG has no payments in the available dividend history.
Metrics side by side
Valuation
| Metric | BHFAP | ECPG |
|---|---|---|
| P/E ratio | 1.07 | 7.41 |
| Forward P/E | N/A | 7.24 |
| PEG ratio | N/A | 0.72 |
| P/S ratio | 0.36 | 1.11 |
| P/B ratio | 0.34 | 1.95 |
Profitability
| Metric | BHFAP | ECPG |
|---|---|---|
| Operating margin | 15.52% | 37.73% |
| Net margin | 13.22% | 15.88% |
| ROE | 12.69% | 27.96% |
Brighthouse Financial, 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.
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 | BHFAP | ECPG |
|---|---|---|
| Dividend yield | 12.12% | N/A |
| Payout ratio | 13.02% | N/A |
Growth (annualized)
| Metric | BHFAP | ECPG |
|---|---|---|
| Revenue CAGR (5Y) | -5.56% | 3.09% |
| EPS CAGR (5Y) | N/A | 10.39% |
| Total return CAGR (5Y) | -5.42% | 14.44% |
Frequently asked
- Which has the lower trailing P/E, BHFAP or ECPG?
- BHFAP has the lower trailing P/E: BHFAP trades at 1.07 and ECPG at 7.41. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, BHFAP or ECPG?
- Over the past five years, ECPG grew revenue faster — BHFAP at a -5.56% CAGR versus ECPG at 3.09%.
- Does BHFAP or ECPG pay a bigger dividend?
- BHFAP pays a dividend (12.12% yield), while ECPG has no payments in the available dividend history.
- Is BHFAP or ECPG more profitable?
- ECPG runs the higher net margin — BHFAP at 13.22% versus ECPG at 15.88%.
- How have BHFAP and ECPG total returns compared?
- Over the past 5 years, BHFAP delivered -5.42% and ECPG delivered 14.44% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Brighthouse Financial & 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.