Encore Capital Group, Inc. (ECPG) vs Enterprise Financial Services Corp (EFSC)
A side-by-side comparison of Encore Capital Group, Inc. and Enterprise Financial Services Corp 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 — ECPG vs EFSC
growth of $100 · dividends reinvested · last 10yECPG vs EFSC: by the numbers
- •EFSC is the larger company ($2.17B vs $2.10B market cap).
- •ECPG trades at the lower trailing earnings multiple (7.40 vs 11.94 P/E), one valuation lens rather than an overall verdict.
- •EFSC converts more revenue to profit (19.26% vs 15.88% net margin).
- •EFSC grew revenue faster over the past five years (21.61% vs 3.09% CAGR).
- •EFSC pays a dividend (2.24% yield), while ECPG has no payments in the available dividend history.
Metrics side by side
Valuation
| Metric | ECPG | EFSC |
|---|---|---|
| P/E ratio | 7.40 | 11.94 |
| Forward P/E | 7.23 | 11.44 |
| PEG ratio | 0.72 | 0.85 |
| P/S ratio | 1.10 | 2.20 |
| P/B ratio | 1.94 | 1.10 |
Profitability
| Metric | ECPG | EFSC |
|---|---|---|
| Operating margin | 37.73% | 27.68% |
| Net margin | 15.88% | 19.26% |
| ROE | 27.96% | 9.33% |
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.
Enterprise Financial Services Corp: 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 | ECPG | EFSC |
|---|---|---|
| Dividend yield | N/A | 2.24% |
| Payout ratio | N/A | 26.64% |
Growth (annualized)
| Metric | ECPG | EFSC |
|---|---|---|
| Revenue CAGR (5Y) | 3.09% | 21.61% |
| EPS CAGR (5Y) | 10.39% | 14.16% |
| Total return CAGR (5Y) | 14.44% | 7.27% |
Frequently asked
- Which has the lower trailing P/E, ECPG or EFSC?
- ECPG has the lower trailing P/E: ECPG trades at 7.40 and EFSC at 11.94. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, ECPG or EFSC?
- Over the past five years, EFSC grew revenue faster — ECPG at a 3.09% CAGR versus EFSC at 21.61%.
- Does ECPG or EFSC pay a bigger dividend?
- EFSC pays a dividend (2.24% yield), while ECPG has no payments in the available dividend history.
- Is ECPG or EFSC more profitable?
- EFSC runs the higher net margin — ECPG at 15.88% versus EFSC at 19.26%.
- How have ECPG and EFSC total returns compared?
- Over the past 10 years, ECPG delivered 15.67% and EFSC delivered 8.50% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Encore Capital & Enterprise Financial Services 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.