Verdict: Side-by-side breakdown using the Bull Rankings model. ECPG scored 82.0, OMF scored 82.0 — tied at the top.
Compare another set
ECPG
Encore Capital Group, Inc.
Credit Services · Financial strength
67.3Fin
$99.77 · $2.1B
fundamentals as of
Strength gap
10.0
OMF leads
OMF
OneMain Holdings, Inc.
Credit Services · Financial strength
77.3Fin
$56.07 · $6.5B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
CheapestECPG7.6x
Fastest growthECPG+34.4%
Strongest balance sheetECPG3.88
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
Fundamentals, head-to-head
ECPG
OMF
$125mC
FCF
$3.2bB
+34.4%A
Rev
+9.5%B
3.88D
D/E
6.73D
7.6xA
P/E
8.5xA-
0.17A
PEG
0.75A-
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
The companies
ECPGEncore Capital Group, Inc.
Credit Services · $99.77 · beta 1.31
Why now
Credit Services · market cap $2.1b. 5% off the 52-week high of $104.98. Revenue growing +34% — in hypergrowth territory. PEG 0.17 — paying under fair value for the growth rate. 3 sell-side analysts publish a mean 1-yr target of $115.67 (implying +16% upside).
Moat
Net margin 16% beats the market median by a meaningful margin — the company is keeping more of every revenue dollar than the average S&P constituent. ROE 31% — top-decile capital efficiency. Either pricing leverage, low capital intensity, or aggressive buybacks; the durability story depends on which.
Risk
D/E 3.88 is elevated — limits strategic flexibility and raises refinancing exposure if rates stay higher for longer. Credit-cycle exposure — provisions tend to lag actual loan deterioration by 2-3 quarters; a sharp uptick in net charge-offs is a leading indicator the market often misses until it's already priced.
OMFOneMain Holdings, Inc.
Credit Services · $56.07 · beta 1.21
Why now
Credit Services · market cap $6.5b. Down 22% from 52-week high of $71.93 — deep drawdown territory. PEG 0.75 — paying under fair value for the growth rate. 14 sell-side analysts rate this a Buy with a mean 1-yr target of $68.50 (implying +22% upside).
Moat
Net margin 26% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 23% is above 15% — the equity base is compounding at a rate the market struggles to discount accurately. Free cash flow runs well ahead of reported net income.
Risk
D/E 6.73 is elevated — limits strategic flexibility and raises refinancing exposure if rates stay higher for longer. Regulatory capital risk — stricter capital requirements (CCAR, Basel) can force a dividend cut or a capital raise; the largest banks are most exposed because they're held to the tightest standards.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Common questions
Is ECPG or OMF the better stock?
On the Bull Rankings quality-growth score they are level: ECPG and OMF both score 82.0 out of 100. The score blends business quality, growth and valuation into one number, so a tie means the model sees no meaningful edge either way — the pillar breakdown on this page shows where each is actually stronger.
How are ECPG and OMF scored?
Each carries the same 0–100 quality-growth score used everywhere on the site, built from three pillars — quality (profitability and returns on capital), growth (revenue and earnings), and value (what you pay for them) — combined as a geometric mean, so a weak pillar cannot be papered over by a strong one.
How current is this comparison?
The whole universe is re-scored every trading day after the US market close, so the scores and fundamentals here reflect the latest published edition.