Encore Capital Group vs SLM
Encore Capital Group and SLM are similar in size: $1.77bn and $1.98bn of revenue in their latest fiscal years. Encore Capital Group grew faster (34.4% against 7.3%). SLM kept more of each dollar of sales as profit: a net margin of 37.5% against 14.5%.
| Latest fiscal year | Encore Capital GroupECPG, 2025 | SLMSLM, 2025 |
|---|---|---|
| Revenue | $1.77bn | $1.98bn |
| Revenue growth | 34.4% | 7.3% |
| Net income | $257m | $745m |
| Operating margin | — | — |
| Net margin | 14.5% | 37.5% |
| Return on equity | 29.5% | 32.3% |
| Free cash flow | $127m | — |
| Cash | $157m | $4.24bn |
| Total debt | $4.03bn | $5.86bn |
| Debt to equity | — | — |
| Dividend per share | — | $0.52 |
| Dividend yield | — | 3.0% |
| Share buybacks | $90.4m | $369m |
| Employees | 7,350 | 1,788 |
| Market value | $2.13bn | $3.32bn |
| Price vs our value range | — | — |
| Moat score | 56 (Moderate) | 45 (Weak) |
| Insider trades, 12 months | 0 buys, 16 sales | 0 buys, 0 sales |