` Comparison: ECPG, SYF - Alpha Spread

ECPG
vs
SYF

Over the past 12 months, ECPG has underperformed SYF, delivering a return of +16% compared to the SYF's +29% growth.

Valuation Growth Profitability Solvency Stocks Performance
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ECPG
SYF
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Stocks Compared:
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Valuation Comparison

ECPG Intrinsic Value
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SYF Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Encore Capital Group Inc
NASDAQ:ECPG
55.24 USD
Synchrony Financial
NYSE:SYF
85.74 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
ECPG, SYF

ECPG
SYF
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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
Synchrony Financial
Revenue

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

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Profitability Comparison

Free Cash Flow
ECPG, SYF

ECPG
SYF
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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
Synchrony Financial
NYSE:SYF
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

ECPG
79.1%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Encore Capital Group Inc
Synchrony Financial
Not applicable for financial companies

Operating Margin

ECPG
19.9%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Encore Capital Group Inc
Synchrony Financial
Not applicable for financial companies

Net Margin

ECPG
-2.9%
SYF
18.6%

FCF Margin

ECPG
8.4%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Encore Capital Group Inc
Synchrony Financial
Not applicable for financial companies

ROE

ECPG
-4.5%
SYF
21.1%

ROA

ECPG
-0.9%
SYF
3%

ROIC

ECPG
-10.6%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Encore Capital Group Inc
Synchrony Financial
Not applicable for financial companies

ROCE

ECPG
6.4%
SYF
LTM 3Y Avg 5Y Avg 10Y Avg
Encore Capital Group Inc
Synchrony Financial
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
ECPG, SYF

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ECPG
SYF
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Performance Gap
ECPG, SYF

Performance Gap Between ECPG and SYF
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Performance By Year
ECPG, SYF

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ECPG
SYF
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