ECPG vs PRAA
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. PRAA: Global specialist in purchasing and collecting nonperforming consumer loan portfolios through disciplined, data-driven recovery strategies across 12+ countries.
Side-by-side fundamentals
| Metric | ECPG | PRAA | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $88.21 | $16.90 | |
| Market cap as of 2026-07-23 | $1.9B | $666M | |
| P/E as of 2026-07-23 | 6.46 | n/a | |
| Net margin as of 2026-07-23 | +16.0% | -22.5% | ECPG higher |
| Gross margin as of 2026-07-23 | +80.3% | +80.3% | PRAA higher |
| Operating margin as of 2026-07-23 | +36.7% | +3.0% | ECPG higher |
| ROE as of 2026-07-23 | +30.7% | -26.4% | ECPG higher |
| ROA as of 2026-07-23 | +5.6% | -5.4% | ECPG higher |
| Debt / equity as of 2026-07-23 | 3.90 | 3.85 | PRAA lower |
| Revenue growth (YoY) as of 2026-07-23 | +34.1% | +10.5% | ECPG higher |
| Revenue CAGR (3y) SEC XBRL | +8.1% | +7.5% | ECPG higher |
| Beta as of 2026-07-23 | 1.28 | 1.07 | |
| 1-year return as of 2026-07-22 close | +125.0% | +7.2% | 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.