ECPG
Encore Capital Group, Inc.
ECPG has the edge over JPM overall, supported by stronger fundamentals and stronger valuation.
JPM
JPMorgan Chase & Co.
JPM has slightly lower modeled downside risk, despite its lower overall score.
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.
JPM Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
JPM's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like JPM.
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.
JPM PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.7x | $231 | -33% |
| Fair | 12x | $287 | -16% |
| Current | 14x | $343 | — |
| Forward | 14x | $343 | — |
| Expensive | 15x | $361 | +5.2% |
Historical ranges are pointers, not guarantees.
JPM has the edge over ECPG in the historical PE scenario, which offers more potential upside but is not a forecast.
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.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for JPM, with profitability improving.
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 returned to profit: it earned $15.56 per share over the past year, after losing money the year before.
JPM Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $24.99 | +4.8% |
| Q3 2026 | $23.85 | +18% |
| Q2 2026 | $23.35 | +20% |
| Q1 2026 | $20.89 | +2.5% |
| Q4 2025 | $20.02 | +1.4% |
| Q3 2025 | $20.20 | +12% |
| Q2 2025 | $19.50 | +8.7% |
| Q1 2025 | $20.38 | +23% |
| Q4 2024 | $19.75 | +22% |
JPM's earnings per share have climbed steadily: $23.85 over the past year, up 18% from the year before, and higher year over year for 15 quarters in a row.
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 has the edge over JPM on sales, with stronger typical year-over-year growth.
| 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 JPM on profitability, with a higher operating margin.
JPM Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $50.2B | +8.1% |
| Q2 2026 | $57.3B | +28% |
| Q1 2026 | $49.8B | +10% |
| Q4 2025 | $45.8B | +7.1% |
| Q3 2025 | $46.4B | +8.8% |
| Q2 2025 | $44.9B | -11% |
| Q1 2025 | $45.3B | +8.1% |
| Q4 2024 | $42.8B | +11% |
JPM's revenue has grown year over year for five quarters in a row: $50.2B last quarter, up 8.1% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | -0.2 points |
| Q2 2026 | 48% | +7.3 points |
| Q1 2026 | 41% | +0.5 points |
| Q4 2025 | 37% | -3.2 points |
| Q3 2025 | 40% | +0.6 points |
| Q2 2025 | 41% | -6 points |
| Q1 2025 | 41% | -0.6 points |
| Q4 2024 | 41% | +11 points |
JPM's operating margin was 40% last quarter, about level with the same quarter a year ago.
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 has the edge over JPM on cash generation, producing positive trailing cash flow while its opponent burns cash.
JPM Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $33.2B | +$78.4B |
| Q2 2026 | -$25.3B | -186% |
| Q1 2026 | -$211.8B | +$40.1B |
| Q4 2025 | $119.7B | -19% |
| Q3 2025 | -$45.2B | +$28.9B |
| Q2 2025 | $29.5B | -23% |
| Q1 2025 | -$251.8B | -$97.7B |
| Q4 2024 | $147.8B | +145% |
JPM's free cash flow was −$84.2B over the past year, against −$120B the year before. Free cash flow isn't a meaningful measure for financial services companies like JPM.
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 JPM 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 |
JPM Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -11.2M shares |
| 1 year | -3.1% | -84.6M shares |
| 3 years | -8.5% | -249M shares |
| 5 years | -11% | -322M shares |
| Available history | -17% | -547M shares |
JPM has 2.7B diluted shares, down 3.1% from a year ago, with $24.5B in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.1B |
| Q2 2026 | $6.8B |
| Q1 2026 | $8.3B |
| Q4 2025 | $8.3B |
| Q3 2025 | $8.3B |
| Q2 2025 | $7.5B |
| Q1 2025 | $7.5B |
| Q4 2024 | $4.3B |
JPM spent $24.5B buying back its own shares over the past year, down 11% from the year before.
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 JPM on leverage, with a lower net debt burden relative to earnings.
JPM Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.5x | Very low |
| Q2 2026 | 0.5x | Very low |
| Q1 2026 | 0.6x | Very low |
| Q4 2025 | 0.5x | Very low |
| Q3 2025 | 0.6x | Very low |
| Q2 2025 | 0.5x | Very low |
| Q1 2025 | 0.5x | Very low |
| Q4 2024 | 0.4x | Very low |
JPM's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like JPM.
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).
JPM Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.8 | Neutral |
| Stochastic | 31.5 | Neutral |
JPM's weekly RSI is 55 (neutral) and its Stochastic is 31 (neutral).
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 JPM on valuation relative to its sector.
JPM PE vs Financial Services Sector
| Metric | JPM | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 10% above |
| PE % | 76 | 63 | 13 pts above |
JPM is trading at 14x earnings, a 10% premium to the Financial Services sector's median of 13x.
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 has the edge over JPM on trend strength, trading above more of its moving averages.
JPM Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $336.8 | 1.8% above |
| 20 week MA | $345.3 | 0.7% below |
| 50 week MA | $323.2 | 6.1% above |
| 100 week MA | $298.9 | 15% above |
| 200 week MA | $236.6 | 45% above |
JPM's trend is mixed: it's above four of its five weekly moving averages, and 45% above its 200-week average.
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 JPM on returns for 2026, with the stronger performance.
JPM Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $139.1 | $124.5 | -11% |
| 2021 | $124.5 | $157.3 | +26% |
| 2022 | $157.3 | $131.3 | -17% |
| 2023 | $131.3 | $170.1 | +30% |
| 2024 | $170.1 | $241.2 | +42% |
| 2025 | $241.2 | $327.9 | +36% |
| 2026 YTD | $327.9 | $342.8 | +4.5% |
JPM has finished higher in four of the last six years. It's up 4.5% so far in 2026.