Encore Capital Group, Inc. (ECPG) vs Ethos Technologies Inc. (LIFE)
A side-by-side comparison of Encore Capital Group, Inc. and Ethos Technologies 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 — ECPG vs LIFE
growth of $100 · dividends reinvested · last 1yECPG vs LIFE: by the numbers
- •LIFE is the larger company ($2.22B vs $2.13B market cap).
- •ECPG is profitable (15.88% net margin) while LIFE runs a net loss (-18.14%).
Metrics side by side
Valuation
| Metric | ECPG | LIFE |
|---|---|---|
| P/E ratio | 7.51 | N/A |
| Forward P/E | 7.34 | N/A |
| PEG ratio | 0.73 | N/A |
| P/S ratio | 1.12 | 3.79 |
| P/B ratio | 1.97 | 4.67 |
| FCF yield | N/A | 3.18% |
Profitability
| Metric | ECPG | LIFE |
|---|---|---|
| Gross margin | N/A | 97.07% |
| Operating margin | 37.73% | 18.81% |
| Net margin | 15.88% | -18.14% |
| ROE | 27.96% | -22.35% |
| ROIC | N/A | -14.89% |
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.
Growth (annualized)
| Metric | ECPG | LIFE |
|---|---|---|
| Revenue CAGR (5Y) | 3.09% | N/A |
| EPS CAGR (5Y) | 10.39% | N/A |
| Total return CAGR (5Y) | 14.44% | N/A |
Frequently asked
- Is ECPG or LIFE more profitable?
- ECPG runs the higher net margin — ECPG at 15.88% versus LIFE at -18.14%.
Go deeper
Dig into the metrics
Encore Capital & Ethos Technologies 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.