Encore Capital Group vs Lexinfintech Holdings
Encore Capital Group and Lexinfintech Holdings are similar in size: $1.77bn and $1.83bn of revenue in their latest fiscal years. Encore Capital Group grew faster (34.4% against -7.3%). Encore Capital Group kept more of each dollar of sales as profit: a net margin of 14.5% against 12.8%.
| Latest fiscal year | Encore Capital GroupECPG, 2025 | Lexinfintech HoldingsLX, 2025 |
|---|---|---|
| Revenue | $1.77bn | $1.83bn |
| Revenue growth | 34.4% | -7.3% |
| Net income | $257m | $233m |
| Operating margin | — | — |
| Net margin | 14.5% | 12.8% |
| Return on equity | 29.5% | 14.7% |
| Free cash flow | $127m | $454m |
| Cash | $157m | $308m |
| Total debt | $4.03bn | $471m |
| Debt to equity | — | 27.5% |
| Dividend per share | — | — |
| Dividend yield | — | 45.1% |
| Share buybacks | $90.4m | $28.1m |
| Employees | 7,350 | — |
| Market value | $2.13bn | $120m |
| Price vs our value range | — | — |
| Moat score | 56 (Moderate) | — |
| Insider trades, 12 months | 0 buys, 16 sales | 0 buys, 0 sales |