ECPG
Price
$41.15
Change
+$1.49 (+3.76%)
Updated
Aug 12 closing price
Capitalization
912.65M
77 days until earnings call
WU
Price
$8.32
Change
+$0.07 (+0.85%)
Updated
Aug 12 closing price
Capitalization
2.69B
83 days until earnings call
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ECPG vs WU

Header iconECPG vs WU Comparison
Open Charts ECPG vs WUBanner chart's image
Encore Capital Group
Price$41.15
Change+$1.49 (+3.76%)
Volume$650.81K
Capitalization912.65M
Western Union Company (The)
Price$8.32
Change+$0.07 (+0.85%)
Volume$8.31M
Capitalization2.69B
ECPG vs WU Comparison Chart in %
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ECPG
Daily Signalchanged days ago
Gain/Loss if bought
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WU
Daily Signalchanged days ago
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ECPG vs. WU commentary
Aug 13, 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 Buy and WU is a StrongBuy.

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COMPARISON
Comparison
Aug 13, 2025
Stock price -- (ECPG: $41.15 vs. WU: $8.32)
Brand notoriety: ECPG and WU are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: ECPG: 239% vs. WU: 76%
Market capitalization -- ECPG: $912.65M vs. WU: $2.69B
ECPG [@Savings Banks] is valued at $912.65M. WU’s [@Savings Banks] market capitalization is $2.69B. The market cap for tickers in the [@Savings Banks] industry ranges from $653.59B to $0. The average market capitalization across the [@Savings Banks] industry is $21.32B.

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 whileWU’s FA Score has 2 green FA rating(s).

  • ECPG’s FA Score: 1 green, 4 red.
  • WU’s FA Score: 2 green, 3 red.
According to our system of comparison, WU is a better buy in the long-term than ECPG.

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 7 TA indicator(s) are bullish while WU’s TA Score has 6 bullish TA indicator(s).

  • ECPG’s TA Score: 7 bullish, 3 bearish.
  • WU’s TA Score: 6 bullish, 3 bearish.
According to our system of comparison, ECPG is a better buy in the short-term than WU.

Price Growth

ECPG (@Savings Banks) experienced а +12.30% price change this week, while WU (@Savings Banks) price change was +3.61% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was +3.06%. For the same industry, the average monthly price growth was +2.82%, and the average quarterly price growth was +19.71%.

Reported Earning Dates

ECPG is expected to report earnings on Oct 29, 2025.

WU is expected to report earnings on Nov 04, 2025.

Industries' Descriptions

@Savings Banks (+3.06% 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
WU($2.69B) has a higher market cap than ECPG($913M). ECPG YTD gains are higher at: -13.869 vs. WU (-17.497). WU has higher annual earnings (EBITDA): 891M vs. ECPG (218M). WU has more cash in the bank: 2.86B vs. ECPG (187M). WU has less debt than ECPG: WU (2.75B) vs ECPG (3.79B). WU has higher revenues than ECPG: WU (4.1B) vs ECPG (1.38B).
ECPGWUECPG / WU
Capitalization913M2.69B34%
EBITDA218M891M24%
Gain YTD-13.869-17.49779%
P/E RatioN/A3.15-
Revenue1.38B4.1B34%
Total Cash187M2.86B7%
Total Debt3.79B2.75B138%
FUNDAMENTALS RATINGS
ECPG vs WU: Fundamental Ratings
ECPG
WU
OUTLOOK RATING
1..100
6310
VALUATION
overvalued / fair valued / undervalued
1..100
96
Overvalued
24
Undervalued
PROFIT vs RISK RATING
1..100
88100
SMR RATING
1..100
9412
PRICE GROWTH RATING
1..100
6178
P/E GROWTH RATING
1..100
196
SEASONALITY SCORE
1..100
8550

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.

WU's Valuation (24) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for ECPG (96). This means that WU’s stock grew significantly faster than ECPG’s over the last 12 months.

ECPG's Profit vs Risk Rating (88) in the Finance Or Rental Or Leasing industry is in the same range as WU (100). This means that ECPG’s stock grew similarly to WU’s over the last 12 months.

WU's SMR Rating (12) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for ECPG (94). This means that WU’s stock grew significantly faster than ECPG’s over the last 12 months.

ECPG's Price Growth Rating (61) in the Finance Or Rental Or Leasing industry is in the same range as WU (78). This means that ECPG’s stock grew similarly to WU’s over the last 12 months.

ECPG's P/E Growth Rating (1) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for WU (96). This means that ECPG’s stock grew significantly faster than WU’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ECPGWU
RSI
ODDS (%)
Bullish Trend 1 day ago
74%
Bullish Trend 1 day ago
69%
Stochastic
ODDS (%)
Bullish Trend 1 day ago
73%
Bullish Trend 1 day ago
51%
Momentum
ODDS (%)
Bullish Trend 1 day ago
69%
Bullish Trend 1 day ago
55%
MACD
ODDS (%)
Bullish Trend 1 day ago
74%
Bullish Trend 1 day ago
55%
TrendWeek
ODDS (%)
Bullish Trend 1 day ago
65%
Bullish Trend 1 day ago
54%
TrendMonth
ODDS (%)
Bullish Trend 1 day ago
58%
Bearish Trend 1 day ago
60%
Advances
ODDS (%)
Bullish Trend 1 day ago
66%
Bullish Trend 1 day ago
54%
Declines
ODDS (%)
Bearish Trend 12 days ago
69%
Bearish Trend 12 days ago
58%
BollingerBands
ODDS (%)
Bearish Trend 1 day ago
69%
Bullish Trend 1 day ago
46%
Aroon
ODDS (%)
Bullish Trend 1 day ago
58%
Bearish Trend 1 day ago
72%
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ECPG
Daily Signalchanged days ago
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WU
Daily Signalchanged days ago
Gain/Loss if bought
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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 58% 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%
+3.74%
PRAA - ECPG
58%
Loosely correlated
+5.83%
OMF - ECPG
54%
Loosely correlated
+2.82%
ENVA - ECPG
52%
Loosely correlated
+4.61%
SYF - ECPG
51%
Loosely correlated
+3.97%
UHAL - ECPG
51%
Loosely correlated
+1.10%
More

WU and

Correlation & Price change

A.I.dvisor indicates that over the last year, WU has been loosely correlated with OCSL. These tickers have moved in lockstep 45% of the time. This A.I.-generated data suggests there is some statistical probability that if WU jumps, then OCSL could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To WU
1D Price
Change %
WU100%
+0.85%
OCSL - WU
45%
Loosely correlated
+0.89%
UHAL - WU
45%
Loosely correlated
+1.10%
OBDC - WU
45%
Loosely correlated
+1.35%
ECPG - WU
44%
Loosely correlated
+3.74%
V - WU
44%
Loosely correlated
+0.43%
More