Mitsubishi HC Capital (OTCMKTS:MIUFY – Get Free Report) and Encore Capital Group (NASDAQ:ECPG – Get Free Report) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their valuation, analyst recommendations, risk, profitability, earnings, institutional ownership and dividends.
Earnings & Valuation
This table compares Mitsubishi HC Capital and Encore Capital Group”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Mitsubishi HC Capital | N/A | N/A | N/A | $88.45 | 0.20 |
| Encore Capital Group | $1.77 billion | 1.21 | $256.83 million | $13.21 | 7.67 |
Profitability
This table compares Mitsubishi HC Capital and Encore Capital Group’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Mitsubishi HC Capital | N/A | N/A | N/A |
| Encore Capital Group | 15.86% | 29.83% | 5.58% |
Analyst Recommendations
This is a summary of current ratings and price targets for Mitsubishi HC Capital and Encore Capital Group, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Mitsubishi HC Capital | 0 | 0 | 0 | 0 | 0.00 |
| Encore Capital Group | 0 | 0 | 5 | 1 | 3.17 |
Encore Capital Group has a consensus price target of $89.75, indicating a potential downside of 11.39%. Given Encore Capital Group’s stronger consensus rating and higher probable upside, analysts clearly believe Encore Capital Group is more favorable than Mitsubishi HC Capital.
Summary
Encore Capital Group beats Mitsubishi HC Capital on 9 of the 10 factors compared between the two stocks.
About Mitsubishi HC Capital
Mitsubishi HC Capital Inc., together with its subsidiaries, engages in the lease, installment sale, and other financing activities in Japan, Europe, the Americas, China, and ASEAN region. The company operates through Customer Solutions, Global Business, Environment & Energy, Aviation, Logistics, Real Estate, and Mobility segments. The company engages in the finance solution business; leasing, management, and development of real estate; rental and leasing; auto leasing services; investment in environment and energy-related companies; renewable energy and infrastructure business; and renewable energy business. In addition, it offers aircraft leasing and aircraft engine leasing; marine container and railway freight car leasing; and asset management services. Mitsubishi HC Capital Inc. was incorporated in 1971 and is based in Chiyoda, Japan.
About Encore Capital Group
Encore Capital Group, Inc., a specialty finance company, provides debt recovery solutions and other related services for consumers across 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 provision of early stage collection, business process outsourcing, and contingent collection services. In addition, the company engages in debt servicing and other portfolio management services to credit originator for non-performing loans. Further, it offers credit management services. Encore Capital Group, Inc. was incorporated in 1999 and is headquartered in San Diego, California.
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