ECPG vs RM
ECPG: Encore Capital Group is a leading global debt buyer and recovery specialist that purchases and services portfolios of defaulted consumer debt. RM: Regional Management is a consumer finance company providing installment loans and related credit insurance products to underserved borrowers who have limited access to traditional banking services.
Side-by-side fundamentals
| Metric | ECPG | RM | Edge |
|---|---|---|---|
| Price as of 2026-10-08 close | $100.06 | $33.92 | |
| Market cap as of 2026-07-29 (share count; price 2026-10-08) | $2.1B | $313M | |
| P/E as of 2026-10-08 | 7.57 | 7.15 | RM lower |
| Net margin FY2025, SEC XBRL | +14.5% | +6.9% | ECPG higher |
| Operating margin FY2025, SEC XBRL | +35.4% | n/a | |
| ROE FY2025, SEC XBRL | +26.3% | +11.9% | ECPG higher |
| ROA FY2025, SEC XBRL | +4.8% | +2.1% | ECPG higher |
| Debt / equity as of 2026-09-03 | 3.87 | 4.42 | ECPG lower |
| Revenue growth (YoY) as of 2026-09-03 | +29.6% | +9.6% | ECPG higher |
| Revenue CAGR (3y) SEC XBRL | +8.1% | +8.4% | RM higher |
| Dividend yield as of 2026-09-02 | n/a | +3.8% | |
| Dividend streak (yrs) SEC XBRL | 0 | 6 | RM higher |
| Beta as of 2026-09-03 | 1.28 | 1.06 | |
| 1-year return as of 2026-10-08 close | +134.5% | -13.0% | ECPG higher |
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.