` Comparison: ECPG, BAJFINANCE - Alpha Spread

ECPG
vs
BAJFINANCE

Over the past 12 months, ECPG has underperformed BAJFINANCE, delivering a return of +17% compared to the BAJFINANCE's +51% growth.

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ECPG
BAJFINANCE
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Stocks Compared:
ECPG BAJFINANCE
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Valuation Comparison

ECPG Intrinsic Value
168.14 USD
Undervaluation 68%
Intrinsic Value
Price
BAJFINANCE Intrinsic Value
862.82 INR
Overvaluation 14%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Encore Capital Group Inc
NASDAQ:ECPG
54.53 USD
Bajaj Finance Ltd
NSE:BAJFINANCE
1 008.3 INR
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Valuation Scenario:
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Growth Comparison

Growth Over Time
ECPG, BAJFINANCE

ECPG
BAJFINANCE
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Encore Capital Group Inc
Revenue
Bajaj Finance Ltd
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
ECPG, BAJFINANCE

ECPG
BAJFINANCE
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Encore Capital Group Inc
NASDAQ:ECPG
Bajaj Finance Ltd
NSE:BAJFINANCE
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Gross Margin

ECPG
79.1%
BAJFINANCE
60.5%

Operating Margin

ECPG
19.9%
BAJFINANCE
43%

Net Margin

ECPG
-2.9%
BAJFINANCE
24.2%

FCF Margin

ECPG
8.4%
BAJFINANCE
-87.2%

ROE

ECPG
-4.5%
BAJFINANCE
19.3%

ROA

ECPG
-0.9%
BAJFINANCE
3.9%

ROIC

ECPG
-10.6%
BAJFINANCE
5.5%

ROCE

ECPG
6.4%
BAJFINANCE
8.3%

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
ECPG, BAJFINANCE

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Performance Gap
ECPG, BAJFINANCE

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ECPG
BAJFINANCE
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
ECPG, BAJFINANCE

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