ECPG
Price
$51.13
Change
-$0.36 (-0.70%)
Updated
Nov 26 closing price
Capitalization
1.14B
90 days until earnings call
Intraday BUY SELL Signals
LPRO
Price
$1.92
Change
+$0.06 (+3.23%)
Updated
Nov 26 closing price
Capitalization
226.33M
84 days until earnings call
Intraday BUY SELL Signals
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ECPG vs LPRO

Header iconECPG vs LPRO Comparison
Open Charts ECPG vs LPROBanner chart's image
Encore Capital Group
Price$51.13
Change-$0.36 (-0.70%)
Volume$381.99K
Capitalization1.14B
Open Lending
Price$1.92
Change+$0.06 (+3.23%)
Volume$483.43K
Capitalization226.33M
ECPG vs LPRO Comparison Chart in %
ECPG
Daily Signal:
Gain/Loss:
LPRO
Daily Signal:
Gain/Loss:
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ECPG vs. LPRO commentary
Nov 27, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is ECPG is a StrongBuy and LPRO is a StrongBuy.

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COMPARISON
Comparison
Nov 27, 2025
Stock price -- (ECPG: $51.13 vs. LPRO: $1.91)
Brand notoriety: ECPG and LPRO are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: ECPG: 138% vs. LPRO: 69%
Market capitalization -- ECPG: $1.14B vs. LPRO: $226.33M
ECPG [@Savings Banks] is valued at $1.14B. LPRO’s [@Savings Banks] market capitalization is $226.33M. The market cap for tickers in the [@Savings Banks] industry ranges from $644.18B to $0. The average market capitalization across the [@Savings Banks] industry is $21.42B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

ECPG’s FA Score shows that 1 FA rating(s) are green whileLPRO’s FA Score has 1 green FA rating(s).

  • ECPG’s FA Score: 1 green, 4 red.
  • LPRO’s FA Score: 1 green, 4 red.
According to our system of comparison, ECPG is a better buy in the long-term than LPRO.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

ECPG’s TA Score shows that 6 TA indicator(s) are bullish while LPRO’s TA Score has 5 bullish TA indicator(s).

  • ECPG’s TA Score: 6 bullish, 4 bearish.
  • LPRO’s TA Score: 5 bullish, 4 bearish.
According to our system of comparison, ECPG is a better buy in the short-term than LPRO.

Price Growth

ECPG (@Savings Banks) experienced а +7.15% price change this week, while LPRO (@Savings Banks) price change was +28.52% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was +2.78%. For the same industry, the average monthly price growth was -5.05%, and the average quarterly price growth was +7.70%.

Reported Earning Dates

ECPG is expected to report earnings on Feb 25, 2026.

LPRO is expected to report earnings on Feb 19, 2026.

Industries' Descriptions

@Savings Banks (+2.78% weekly)

A savings bank primary function is to take deposits and paying interest on those deposits. Originating in Europe during the 18th century, these banks were generally introduced to incentivize people of all stripes to save money and park them with banks. By the 1990s, the internet ushered in online savings banks that allowed savers to deposit/transact with banks digitally, without requiring to visit a branch office. Savings banks have potentially encouraged lower-income population to save and have access to a financial institution to earn interest on their money. New York Community Bancorp, Inc, Webster Financial Corporation, Washington Federal, Inc. are examples of savings banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
ECPG($1.14B) has a higher market cap than LPRO($226M). ECPG YTD gains are higher at: 7.034 vs. LPRO (-67.923). ECPG has higher annual earnings (EBITDA): 266M vs. LPRO (-61.84M). LPRO has more cash in the bank: 231M vs. ECPG (173M). LPRO has less debt than ECPG: LPRO (189M) vs ECPG (3.97B). ECPG has higher revenues than LPRO: ECPG (1.47B) vs LPRO (16.3M).
ECPGLPROECPG / LPRO
Capitalization1.14B226M504%
EBITDA266M-61.84M-430%
Gain YTD7.034-67.923-10%
P/E RatioN/A70.00-
Revenue1.47B16.3M9,006%
Total Cash173M231M75%
Total Debt3.97B189M2,098%
FUNDAMENTALS RATINGS
ECPG vs LPRO: Fundamental Ratings
ECPG
LPRO
OUTLOOK RATING
1..100
2321
VALUATION
overvalued / fair valued / undervalued
1..100
97
Overvalued
96
Overvalued
PROFIT vs RISK RATING
1..100
70100
SMR RATING
1..100
8997
PRICE GROWTH RATING
1..100
4164
P/E GROWTH RATING
1..100
17
SEASONALITY SCORE
1..100
6550

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

LPRO's Valuation (96) in the null industry is in the same range as ECPG (97) in the Finance Or Rental Or Leasing industry. This means that LPRO’s stock grew similarly to ECPG’s over the last 12 months.

ECPG's Profit vs Risk Rating (70) in the Finance Or Rental Or Leasing industry is in the same range as LPRO (100) in the null industry. This means that ECPG’s stock grew similarly to LPRO’s over the last 12 months.

ECPG's SMR Rating (89) in the Finance Or Rental Or Leasing industry is in the same range as LPRO (97) in the null industry. This means that ECPG’s stock grew similarly to LPRO’s over the last 12 months.

ECPG's Price Growth Rating (41) in the Finance Or Rental Or Leasing industry is in the same range as LPRO (64) in the null industry. This means that ECPG’s stock grew similarly to LPRO’s over the last 12 months.

ECPG's P/E Growth Rating (1) in the Finance Or Rental Or Leasing industry is in the same range as LPRO (7) in the null industry. This means that ECPG’s stock grew similarly to LPRO’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ECPGLPRO
RSI
ODDS (%)
Bearish Trend 1 day ago
75%
Bullish Trend 1 day ago
75%
Stochastic
ODDS (%)
Bearish Trend 1 day ago
66%
Bearish Trend 1 day ago
85%
Momentum
ODDS (%)
Bullish Trend 1 day ago
68%
Bullish Trend 1 day ago
76%
MACD
ODDS (%)
Bullish Trend 1 day ago
79%
Bullish Trend 1 day ago
61%
TrendWeek
ODDS (%)
Bullish Trend 1 day ago
65%
Bullish Trend 1 day ago
75%
TrendMonth
ODDS (%)
Bullish Trend 1 day ago
60%
Bullish Trend 1 day ago
71%
Advances
ODDS (%)
Bullish Trend 3 days ago
67%
Bullish Trend 1 day ago
76%
Declines
ODDS (%)
Bearish Trend 29 days ago
66%
Bearish Trend 9 days ago
87%
BollingerBands
ODDS (%)
Bearish Trend 1 day ago
59%
Bearish Trend 1 day ago
90%
Aroon
ODDS (%)
Bullish Trend 1 day ago
52%
Bearish Trend 1 day ago
87%
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ECPG
Daily Signal:
Gain/Loss:
LPRO
Daily Signal:
Gain/Loss:
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ECPG and

Correlation & Price change

A.I.dvisor indicates that over the last year, ECPG has been loosely correlated with PRAA. These tickers have moved in lockstep 59% of the time. This A.I.-generated data suggests there is some statistical probability that if ECPG jumps, then PRAA could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To ECPG
1D Price
Change %
ECPG100%
-0.70%
PRAA - ECPG
59%
Loosely correlated
+2.07%
OMF - ECPG
52%
Loosely correlated
+0.96%
UHAL - ECPG
51%
Loosely correlated
+1.04%
BFH - ECPG
51%
Loosely correlated
+1.03%
SYF - ECPG
50%
Loosely correlated
+0.58%
More

LPRO and

Correlation & Price change

A.I.dvisor indicates that over the last year, LPRO has been loosely correlated with LC. These tickers have moved in lockstep 48% of the time. This A.I.-generated data suggests there is some statistical probability that if LPRO jumps, then LC could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To LPRO
1D Price
Change %
LPRO100%
+2.96%
LC - LPRO
48%
Loosely correlated
+1.26%
UPBD - LPRO
42%
Loosely correlated
+0.16%
ASHTY - LPRO
40%
Loosely correlated
+1.01%
BBDC - LPRO
36%
Loosely correlated
+1.00%
ENVA - LPRO
36%
Loosely correlated
+0.18%
More