BLK
BlackRock, Inc.
BLK trails on the overall score without a compensating advantage in the available component scores.
ECPG
Encore Capital Group, Inc.
ECPG has the edge over BLK overall, supported by stronger modeled upside and stronger valuation.
BLK Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BLK's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BLK.
ECPG Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
ECPG's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like ECPG.
BLK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 19x | $848 | -30% |
| Fair | 22x | $973 | -20% |
| Expensive | 26x | $1,149 | -5.5% |
| Current | 28x | $1,217 | — |
Historical ranges are pointers, not guarantees.
BLK has the edge over ECPG in the historical PE scenario, which offers more potential upside but is not a forecast.
ECPG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 4.4x | $68.62 | -38% |
| Fair | 6.2x | $96.38 | -12% |
| Forward | 6.8x | $110 | — |
| Current | 7.1x | $110 | — |
| Expensive | 11x | $164 | +49% |
Historical ranges are pointers, not guarantees.
ECPG's PE is in its expensive range at 7.1x. If earnings grow as analysts expect, today's price would be 6.8x next year's earnings, in its fair range.
BLK Forward outlook
There aren't enough analyst estimates for BLK to show an outlook.
ECPG Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for ECPG, with profitability improving. However, they disagree widely on these estimates.
BLK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $43.87 | +11% |
| Q2 2026 | $41.73 | -0.4% |
| Q1 2026 | $39.73 | -4.7% |
| Q4 2025 | $35.31 | -17% |
| Q3 2025 | $39.42 | -2.7% |
| Q2 2025 | $41.89 | +4% |
| Q1 2025 | $41.69 | +5.9% |
| Q4 2024 | $42.53 | +16% |
BLK earned $43.87 per share over the past year, up 11% from the year before.
ECPG Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $16.12 | +3.6% |
| Q3 2026 | $15.56 | +$17.35 |
| Q2 2026 | $13.16 | +$16.86 |
| Q1 2026 | $12.84 | +$17.69 |
| Q4 2025 | $10.91 | +$16.74 |
| Q3 2025 | -$1.79 | +$6.00 |
| Q2 2025 | -$3.70 | +$4.56 |
| Q1 2025 | -$4.85 | +$3.67 |
| Q4 2024 | -$5.83 | +$2.89 |
ECPG has the edge over BLK on earnings, with more consistent year-over-year improvement.
BLK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $7.8B | +19% |
| Q2 2026 | $7.1B | +31% |
| Q1 2026 | $6.7B | +27% |
| Q4 2025 | $7B | +23% |
| Q3 2025 | $6.5B | +25% |
| Q2 2025 | $5.4B | +13% |
| Q1 2025 | $5.3B | +12% |
| Q4 2024 | $5.7B | +23% |
BLK has the edge over ECPG on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | 0 points |
| Q2 2026 | 35% | +2.8 points |
| Q1 2026 | 42% | +9.8 points |
| Q4 2025 | 24% | -13 points |
| Q3 2025 | 30% | -8.6 points |
| Q2 2025 | 32% | -5.5 points |
| Q1 2025 | 32% | -3.6 points |
| Q4 2024 | 37% | +2.3 points |
BLK's operating margin was 30% last quarter, about level with the same quarter a year ago, near the bottom of its range since 2019.
ECPG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $544.5M | +18% |
| Q2 2026 | $491.9M | +11% |
| Q1 2026 | $475.4M | +21% |
| Q4 2025 | $473.6M | +78% |
| Q3 2025 | $460.4M | +25% |
| Q2 2025 | $442.1M | +24% |
| Q1 2025 | $392.8M | +20% |
| Q4 2024 | $265.6M | -4.2% |
ECPG's revenue has grown year over year for seven quarters in a row: $545M last quarter, up 18% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 42% | +4.7 points |
| Q2 2026 | 38% | +3.9 points |
| Q1 2026 | 39% | +5.8 points |
| Q4 2025 | 37% | +87 points |
| Q3 2025 | 38% | +8.7 points |
| Q2 2025 | 34% | +5.4 points |
| Q1 2025 | 33% | +7.5 points |
| Q4 2024 | -51% | +28 points |
ECPG has the edge over BLK on profitability, with a higher operating margin.
BLK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $2.6B | +95% |
| Q2 2026 | $1.1B | -12% |
| Q1 2026 | -$1.1B | +$120M |
| Q4 2025 | $2.1B | -15% |
| Q2 2025 | $1.3B | -6.1% |
| Q1 2025 | -$1.2B | -$734M |
| Q4 2024 | $2.5B | +35% |
| Q2 2024 | $1.4B | +47% |
BLK has the edge over ECPG on cash flow, with more consistent year-over-year improvement.
ECPG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $101.9M | +35% |
| Q2 2026 | -$37.8M | -1283% |
| Q1 2026 | $77.5M | +102% |
| Q4 2025 | $9.9M | -34% |
| Q3 2025 | $75.6M | +90% |
| Q2 2025 | $3.2M | -89% |
| Q1 2025 | $38.3M | -13% |
| Q4 2024 | $15M | -48% |
ECPG's free cash flow was $151M over the past year, up 15% from the year before. Free cash flow isn't a meaningful measure for financial services companies like ECPG.
BLK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -148K shares |
| 1 year | -0.4% | -677K shares |
| 3 years | +9.3% | +14M shares |
| 5 years | +6.2% | +9.6M shares |
| Available history | +4.4% | +7M shares |
BLK has 165M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q2 2025 | $396M |
| Q1 2025 | $657M |
| Q4 2024 | $386M |
| Q2 2024 | $519M |
| Q1 2024 | $634M |
| Q4 2023 | $384M |
| Q3 2023 | $396M |
| Q2 2023 | $383M |
ECPG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -2.4% | -536K shares |
| 1 year | -5.4% | -1.3M shares |
| 3 years | -8.7% | -2.1M shares |
| 5 years | -29% | -9.2M shares |
| Available history | -29% | -9.2M shares |
ECPG has the edge over BLK on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q1 2023 | $25.6M |
| Q4 2022 | $10.4M |
| Q3 2022 | $25.9M |
| Q2 2022 | $25.1M |
| Q1 2022 | $25.7M |
| Q4 2021 | $302.5M |
| Q3 2021 | $40.7M |
| Q2 2021 | $27M |
BLK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.0x | Net Cash |
| Q2 2026 | 0.2x | Very low |
| Q1 2026 | 0.3x | Very low |
| Q4 2025 | 0.2x | Very low |
| Q3 2025 | 0.3x | Very low |
| Q2 2024 | 0.2x | Very low |
| Q1 2024 | 0.3x | Very low |
| Q4 2023 | 0.1x | Very low |
BLK has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like BLK.
ECPG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.2x | Net Cash |
| Q2 2026 | -0.3x | Net Cash |
| Q1 2026 | -0.3x | Net Cash |
| Q4 2025 | 5.9x | High |
| Q3 2025 | -0.5x | Net Cash |
| Q2 2025 | -0.6x | Net Cash |
| Q1 2025 | -0.8x | Net Cash |
| Q4 2024 | 18.5x | High |
ECPG has the edge over BLK on leverage, with a lower net debt burden relative to earnings.
BLK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 64.5 | Neutral |
| Stochastic | 79.0 | Neutral |
BLK's weekly RSI is 64 (neutral) and its Stochastic is 79 (neutral).
ECPG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 68.4 | Neutral |
| Stochastic | 58.7 | Neutral |
ECPG's weekly RSI is 68 (neutral) and its Stochastic is 59 (neutral).
BLK PE vs Financial Services Sector
| Metric | BLK | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 113% above |
| PE % | 97 | 63 | 34 pts above |
BLK is trading at 28x earnings, a 113% premium to the Financial Services sector's median of 13x.
ECPG PE vs Financial Services Sector
| Metric | ECPG | Sector median | Relative |
|---|---|---|---|
| PE | 7.1x | 13x | 46% below |
| PE % | 67 | 63 | 4 pts above |
ECPG has the edge over BLK on valuation relative to its sector.
BLK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1,128.0 | 7.9% above |
| 20 week MA | $1,108.9 | 9.7% above |
| 50 week MA | $1,071.6 | 14% above |
| 100 week MA | $1,051.1 | 16% above |
| 200 week MA | $914.1 | 33% above |
BLK is in an uptrend: it's above all five of its weekly moving averages, and 33% above its 200-week average.
ECPG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $102.2 | 7.5% above |
| 20 week MA | $98.8 | 11% above |
| 50 week MA | $80.9 | 36% above |
| 100 week MA | $61.2 | 79% above |
| 200 week MA | $54.5 | 101% above |
ECPG is in an uptrend: it's above all five of its weekly moving averages, and 101% above its 200-week average.
BLK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $503.0 | $707.2 | +41% |
| 2021 | $707.2 | $913.9 | +29% |
| 2022 | $913.9 | $703.9 | -23% |
| 2023 | $703.9 | $811.8 | +15% |
| 2024 | $811.8 | $1,044.2 | +29% |
| 2025 | $1,044.2 | $1,088.1 | +4.2% |
| 2026 YTD | $1,088.1 | $1,216.6 | +12% |
BLK has finished higher in five of the last six years. It's up 12% so far in 2026.
ECPG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $36.0 | $37.8 | +5.1% |
| 2021 | $37.8 | $60.2 | +59% |
| 2022 | $60.2 | $47.2 | -22% |
| 2023 | $47.2 | $50.8 | +7.6% |
| 2024 | $50.8 | $47.5 | -6.4% |
| 2025 | $47.5 | $55.5 | +17% |
| 2026 YTD | $55.5 | $109.9 | +98% |
ECPG has the edge over BLK on returns for 2026, with the stronger performance.