Encore Capital Group vs Green DOT
Green DOT is the larger business, with $2.08bn of revenue in fiscal 2025 against $1.77bn for Encore Capital Group (1.2 times as much). Encore Capital Group grew faster (34.4% against 20.7%). Encore Capital Group kept more of each dollar of sales as profit: a net margin of 14.5% against -4.8%.
| Latest fiscal year | Encore Capital GroupECPG, 2025 | Green DOTGDOT, 2025 |
|---|---|---|
| Revenue | $1.77bn | $2.08bn |
| Revenue growth | 34.4% | 20.7% |
| Net income | $257m | −$98.9m |
| Operating margin | — | — |
| Net margin | 14.5% | -4.8% |
| Return on equity | 29.5% | -11.2% |
| Free cash flow | $127m | $66.0m |
| Cash | $157m | $1.42bn |
| Total debt | $4.03bn | $63.5m |
| Debt to equity | — | — |
| Dividend per share | — | — |
| Dividend yield | — | — |
| Share buybacks | $90.4m | — |
| Employees | 7,350 | 900 |
| Market value | $2.13bn | $710m |
| Price vs our value range | — | — |
| Moat score | 56 (Moderate) | 32 (Weak) |
| Insider trades, 12 months | 0 buys, 16 sales | 0 buys, 2 sales |