ECPG vs JCAP
ECPG: International debt recovery specialist that purchases portfolios of defaulted consumer receivables at steep discounts and recovers them through proprietary analytics, digital collections, and legal actions. JCAP: Jefferson Capital purchases distressed consumer debt portfolios at steep discounts and manages collections to recover value across credit cards, autos, utilities, and other receivables.
Side-by-side fundamentals
| Metric | ECPG | JCAP | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $88.21 | $19.30 | |
| Market cap as of 2026-07-23 | $1.9B | $1.2B | |
| P/E as of 2026-07-23 | 6.46 | 7.42 | ECPG lower |
| PEG as of 2026-07-23 | n/a | 0.11 | |
| Net margin as of 2026-07-23 | +16.0% | +25.4% | JCAP higher |
| Gross margin as of 2026-07-23 | +80.3% | +66.9% | ECPG higher |
| Operating margin as of 2026-07-23 | +36.7% | +48.4% | JCAP higher |
| ROE as of 2026-07-23 | +30.7% | +36.5% | JCAP higher |
| ROA as of 2026-07-23 | +5.6% | +8.3% | JCAP higher |
| Debt / equity as of 2026-07-23 | 3.90 | 3.24 | JCAP lower |
| Revenue growth (YoY) as of 2026-07-23 | +34.1% | n/a | |
| Revenue CAGR (3y) SEC XBRL | +8.1% | +37.8% | JCAP higher |
| Dividend yield as of 2026-07-23 | n/a | +5.0% | |
| Dividend streak (yrs) SEC XBRL | n/a | 1 | |
| Beta as of 2026-07-23 | 1.28 | 0.84 | |
| 1-year return as of 2026-07-22 close | +125.0% | +16.0% | ECPG higher |
Fundamentals: Finnhub, as of 2026-07-23. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-22.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.