Encore Capital Group (NASDAQ:ECPG) and PwrCor (OTCMKTS:PWCO) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their dividends, risk, valuation, profitability, earnings, analyst recommendations and institutional ownership.

Analyst Recommendations

This is a breakdown of current ratings and price targets for Encore Capital Group and PwrCor, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Encore Capital Group 0 2 2 0 2.50
PwrCor 0 0 0 0 N/A

Encore Capital Group presently has a consensus price target of $45.50, suggesting a potential upside of 75.95%. Given Encore Capital Group’s higher possible upside, analysts plainly believe Encore Capital Group is more favorable than PwrCor.

Profitability

This table compares Encore Capital Group and PwrCor’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Encore Capital Group 6.13% 19.38% 2.70%
PwrCor -38.07% -534.87% -75.11%

Risk and Volatility

Encore Capital Group has a beta of 1.8, meaning that its stock price is 80% more volatile than the S&P 500. Comparatively, PwrCor has a beta of 2.52, meaning that its stock price is 152% more volatile than the S&P 500.

Valuation and Earnings

This table compares Encore Capital Group and PwrCor’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Encore Capital Group $1.19 billion 0.67 $83.22 million $4.01 6.45
PwrCor $950,000.00 26.55 -$690,000.00 N/A N/A

Encore Capital Group has higher revenue and earnings than PwrCor.

Summary

Encore Capital Group beats PwrCor on 7 of the 9 factors compared between the two stocks.

Encore Capital Group Company Profile

Encore Capital Group, Inc., a specialty finance company, together with its subsidiaries, provides debt recovery solutions and other related services for consumers across a range of financial assets worldwide. The company purchases portfolios of defaulted consumer receivables at deep discounts to face value, as well as manages them by working with individuals as they repay their obligations and works toward financial recovery. It is also involved in the debt collection and management activities; and the management of non-performing loans. In addition, the company provides portfolio management services to banks for non-performing loans; and financial solutions to individuals who have previously defaulted on their obligations. Further, it focuses on consumer non-performing loans, including insolvencies, and bank and non-bank receivables. Encore Capital Group, Inc. was founded in 1998 and is headquartered in San Diego, California.

PwrCor Company Profile

PwrCor, Inc., doing business as Cornerstone Sustainable Energy, provides energy infrastructure and alternative energy solutions in the United States. It manages infrastructure projects, such as hospitals and universities for commercial and institutional customers. The company's projects include a combination of energy infrastructure components, including electrical power generation, steam production, or chilled water production projects, as well as the infrastructure to distribute these services. It also commercializes engine technology that converts low-grade heat to mechanical energy for power generation. In addition, the company arranges or assists in project financing; arranges funding for infrastructure projects; and arranges leasing and other financing arrangements for engines, as well as participations in power purchase agreements from developed projects. It serves domestic non-profit institutions and organizations; the waste-heat-to-energy and geothermal marketplace; and the independent power producer market. The company was formerly known as Receivable Acquisition & Management Corporation and changed its name to PwrCor, Inc. in March 2017. PwrCor, Inc. is headquartered in New York, New York.

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