WallStSmart

Encore Capital Group Inc (ECPG)vsHartford Financial Services Group (HIG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Hartford Financial Services Group generates 1455% more annual revenue ($28.79B vs $1.85B). ECPG leads profitability with a 16.0% profit margin vs 14.1%. HIG appears more attractively valued with a PEG of 0.12. ECPG earns a higher WallStSmart Score of 90/100 (A).

ECPG

Exceptional Buy

90

out of 100

Grade: A

Growth: 8.0Profit: 9.0Value: 8.3Quality: 4.0
Piotroski: 6/9Altman Z: 1.18

HIG

Strong Buy

79

out of 100

Grade: B+

Growth: 7.3Profit: 7.0Value: 8.3Quality: 8.0
Piotroski: 6/9Altman Z: 1.23

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ECPG6 strengths · Avg: 9.5/10
PEG RatioValuation
0.1710/10

Growing faster than its price suggests

P/E RatioValuation
6.2x10/10

Attractively priced relative to earnings

Operating MarginProfitability
38.7%10/10

Strong operational efficiency at 38.7%

EPS GrowthGrowth
100.0%10/10

Earnings expanding 100.0% YoY

Return on EquityProfitability
28.6%9/10

Every $100 of equity generates 29 in profit

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

HIG6 strengths · Avg: 9.0/10
PEG RatioValuation
0.1210/10

Growing faster than its price suggests

P/E RatioValuation
9.1x10/10

Attractively priced relative to earnings

Return on EquityProfitability
21.5%9/10

Every $100 of equity generates 22 in profit

Debt/EquityHealth
0.239/10

Conservative balance sheet, low leverage

Price/BookValuation
2.0x8/10

Reasonable price relative to book value

EPS GrowthGrowth
41.4%8/10

Earnings expanding 41.4% YoY

Areas to Watch

ECPG3 concerns · Avg: 2.0/10
Market CapQuality
$1.71B3/10

Smaller company, higher risk/reward

Altman Z-ScoreHealth
1.182/10

Distress zone — elevated risk

Debt/EquityHealth
3.901/10

Elevated debt levels

HIG1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
1.232/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : ECPG

The strongest argument for ECPG centers on PEG Ratio, P/E Ratio, Operating Margin. Profitability is solid with margins at 16.0% and operating margin at 38.7%. Revenue growth of 21.0% demonstrates continued momentum.

Bull Case : HIG

The strongest argument for HIG centers on PEG Ratio, P/E Ratio, Return on Equity. PEG of 0.12 suggests the stock is reasonably priced for its growth.

Bear Case : ECPG

The primary concerns for ECPG are Market Cap, Altman Z-Score, Debt/Equity. Debt-to-equity of 3.90 is elevated, increasing financial risk.

Bear Case : HIG

The primary concerns for HIG are Altman Z-Score.

Key Dynamics to Monitor

ECPG profiles as a growth stock while HIG is a value play — different risk/reward profiles.

ECPG carries more volatility with a beta of 1.33 — expect wider price swings.

ECPG is growing revenue faster at 21.0% — sustainability is the question.

HIG generates stronger free cash flow (1.0B), providing more financial flexibility.

Bottom Line

ECPG scores higher overall (90/100 vs 79/100), backed by strong 16.0% margins and 21.0% revenue growth. Both earn "Exceptional Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Encore Capital Group Inc

FINANCIAL SERVICES · CREDIT SERVICES · USA

Encore Capital Group, Inc., a specialty finance company, offers debt recovery solutions and other related services to consumers in a variety of financial assets worldwide. The company is headquartered in San Diego, California.

Hartford Financial Services Group

FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA

The Hartford Financial Services Group, Inc., usually known as The Hartford, is a United States-based investment and insurance company.

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