City Holding Company (CHCO) vs Encore Capital Group, Inc. (ECPG)
A side-by-side comparison of City Holding Company 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 — CHCO vs ECPG
growth of $100 · dividends reinvested · last 10yCHCO vs ECPG: by the numbers
- •ECPG is the larger company ($2.10B vs $2.00B market cap).
- •ECPG trades at the lower trailing earnings multiple (7.42 vs 15.47 P/E), one valuation lens rather than an overall verdict.
- •CHCO converts more revenue to profit (34.71% vs 15.88% net margin).
- •CHCO grew revenue faster over the past five years (10.58% vs 3.09% CAGR).
- •CHCO pays a dividend (2.45% yield), while ECPG has no payments in the available dividend history.
Metrics side by side
Valuation
| Metric | CHCO | ECPG |
|---|---|---|
| P/E ratio | 15.47 | 7.42 |
| Forward P/E | 15.24 | 7.25 |
| PEG ratio | 1.55 | 0.72 |
| P/S ratio | 5.26 | 1.11 |
| P/B ratio | 2.47 | 1.95 |
Profitability
| Metric | CHCO | ECPG |
|---|---|---|
| Operating margin | 38.00% | 37.73% |
| Net margin | 34.71% | 15.88% |
| ROE | 16.29% | 27.96% |
City Holding Company: 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 | CHCO | ECPG |
|---|---|---|
| Dividend yield | 2.45% | N/A |
| Payout ratio | 38.07% | N/A |
Growth (annualized)
| Metric | CHCO | ECPG |
|---|---|---|
| Revenue CAGR (5Y) | 10.58% | 3.09% |
| EPS CAGR (5Y) | 10.01% | 10.39% |
| Total return CAGR (5Y) | 15.78% | 14.44% |
Frequently asked
- Which has the lower trailing P/E, CHCO or ECPG?
- ECPG has the lower trailing P/E: CHCO trades at 15.47 and ECPG at 7.42. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CHCO or ECPG?
- Over the past five years, CHCO grew revenue faster — CHCO at a 10.58% CAGR versus ECPG at 3.09%.
- Does CHCO or ECPG pay a bigger dividend?
- CHCO pays a dividend (2.45% yield), while ECPG has no payments in the available dividend history.
- Is CHCO or ECPG more profitable?
- CHCO runs the higher net margin — CHCO at 34.71% versus ECPG at 15.88%.
- How have CHCO and ECPG total returns compared?
- Over the past 10 years, CHCO delivered 14.17% and ECPG delivered 15.67% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
City & 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.