Encore Capital Group vs Enova International
Enova International reported revenue of $3.2 billion in fiscal 2025, 1.8 times Encore Capital Group's $1.8 billion in fiscal 2025. Encore Capital Group's revenue grew 34.4% in its latest year, and Enova International's grew 18.6%. Encore Capital Group had an operating margin of 35.4%, against 23.5% at Enova International. Free cash flow was $127 million at Encore Capital Group and $1.8 billion at Enova International.
Side by side
| Encore Capital Group | Enova International | |
|---|---|---|
| Latest fiscal year | FY2025, Dec 31, 2025 | FY2025, Dec 31, 2025 |
| Revenue | $1.8B | $3.2B |
| Revenue growth | 34.4% | 18.6% |
| Revenue growth a year, last 5 years | 3.3% | 23.8% |
| Gross margin | — | 58.1% |
| Operating margin | 35.4% | 23.5% |
| Net margin | 14.5% | 9.8% |
| Free cash flow | $127M | $1.8B |
| Free cash flow margin | 7.2% | 56.2% |
| Return on capital | 10.5% | 10.9% |
| Net debt to EBITDA | 5.9x | 5.7x |
| Dividends and buybacks | $90M | $215M |
| Change in diluted share count | −1.4% | −5.1% |
| Last close | $114.14 | $172.48 |
| P/E at the last close | 7.3× | 11.9× |
| Insider trades, last 12 months | sold $1.8 million | sold $59.5 million |
| Piotroski F-score | — | — |
Amounts in each company's own currency, US$ unless marked (a foreign company may report in another), each company's latest fiscal year from its 10-K, or 20-F or 40-F for a foreign company. Growth rates compare with the year before; the five-year rate is the average a year. Free cash flow is cash from operations minus capital spending; return on capital is after-tax operating income over the money invested in the business; P/E is the last close over the latest earnings per share. Banks are measured differently (return on equity, efficiency ratio), so some rows apply to one company only.
Ten years
Revenue
US$ billions, fiscal years
Encore Capital GroupEnova International
Operating margin
Percent of revenue
Encore Capital GroupEnova International
Free cash flow
US$ billions. Cash from operations minus capital expenditure.
Encore Capital GroupEnova International
Source: the companies' Form 10-K filings, from SEC EDGAR, and the last close. For information only, not investment advice: the figures describe results, not which company is the better investment. The Filing Desk is not affiliated with either company. Full figures on the Encore Capital Group and Enova International pages.