ECPG vs LOB

Comparison between Encore Capital Group Inc (ECPG, Company) and Live Oak Bancshares Inc (LOB, Company).

Both ECPG and LOB are from the Financial Services sector.

5-Year PerformanceECPG has outperformed LOB, delivering a return of +13.3% compared to -6.6%

ECPG vs LOB - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	ECPG(COMPANY)	LOB(COMPANY)
Market Cap	$1.90B	$1.89B
Max Drawdown	95.07%	79.50%
Sharpe Ratio	2.32	0.87
5Y Beta	1.26	1.21
Industry	Credit Services	Banks - Regional
P/E Ratio	6.60	20.96
Forward P/E	5.54	10.19
PEG Ratio	0.17	0.00
Dividend Yield	N/A	0.29%
5Y Dividends CAGR	N/A	4.56%
5Y EPS CAGR	5.64%	7.44%
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	8.76%	6.66%
P/S Ratio	1.02	3.76
P/B Ratio	1.85	1.63

Market Cap

Winner

ECPG

$1.90B

LOB

$1.89B

Max Drawdown

ECPG

95.07%

Winner

LOB

79.50%

Sharpe Ratio

Winner

ECPG

2.32

LOB

0.87

5Y Beta

ECPG

1.26

Winner

LOB

1.21

Industry

ECPG

Credit Services

LOB

Banks - Regional

P/E Ratio

Winner

ECPG

6.60

LOB

20.96

Forward P/E

Winner

ECPG

5.54

LOB

10.19

PEG Ratio

ECPG

0.17

Winner

LOB

0.00

Dividend Yield

ECPG

N/A

LOB

0.29%

5Y Dividends CAGR

ECPG

N/A

LOB

4.56%

5Y EPS CAGR

ECPG

5.64%

Winner

LOB

7.44%

Debt to Equity

ECPG

0.00%

LOB

0.00%

Free Cash Flow Yield

Winner

ECPG

8.76%

LOB

6.66%

P/S Ratio

Winner

ECPG

1.02

LOB

3.76

P/B Ratio

ECPG

1.85

Winner

LOB

1.63

ECPG vs LOB - Historical Returns

Returns include dividend reinvestment.

Period	ECPG	LOB
1 month	-0.31%	+5.54%
3 months	+1.82%	+12.39%
6 months	+55.75%	+7.08%
1 year	+114.99%	+30.55%
5 years(CAGR)	+13.30%	-6.64%
10 years(CAGR)	+13.48%	+12.07%
Max(CAGR)	+12.78%	+7.91%

ECPG

-0.31%

Winner

LOB

+5.54%

ECPG

+1.82%

Winner

LOB

+12.39%

Winner

ECPG

+55.75%

LOB

+7.08%

Winner

ECPG

+114.99%

LOB

+30.55%

5Y(CAGR)

Winner

ECPG

+13.30%

LOB

-6.64%

10Y(CAGR)

Winner

ECPG

+13.48%

LOB

+12.07%

Max(CAGR)

Winner

ECPG

+12.78%

LOB

+7.91%

ECPG vs LOB - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	ECPG	LOB
2026	+53.16%	+21.46%
2025	+15.64%	-10.54%
2024	-7.37%	-11.57%
2023	+2.88%	+50.50%
2022	-21.93%	-65.26%
2021	+66.83%	+93.86%
2020	+8.38%	+151.82%
2019	+44.09%	+26.02%
2018	-44.05%	-37.60%
2017	+43.93%	+31.98%
2016	-1.61%	+38.70%
2015	-33.70%	-25.45%
2014	-10.36%	N/A
2013	+63.66%	N/A
2012	+37.12%	N/A
2011	-10.67%	N/A
2010	+33.16%	N/A
2009	+151.08%	N/A
2008	-18.64%	N/A
2007	-21.11%	N/A
2006	-26.49%	N/A
2005	-25.50%	N/A
2004	+60.68%	N/A
2003	+1158.33%	N/A
2002	+323.08%	N/A
2001	-23.53%	N/A
2000	-90.41%	N/A
1999	+12.79%	N/A

ECPG vs LOB Drawdown Comparison

The maximum drawdown for ECPG was -95.07%, occurring on Dec 14, 2000. Recovery took 871 trading sessions.

The maximum drawdown for LOB was -79.41%, occurring on May 11, 2023. This drawdown has not yet recovered.

The current ECPG drawdown is -8.70%. The current LOB drawdown is -56.28%.

Rank	ECPG	LOB
#1	-95.07% Nov 5, 1999 - Apr 29, 2003	-79.41% Nov 4, 2021 - May 11, 2023
#2	-88.48% Nov 30, 2004 - Feb 15, 2011	-74.82% Jul 23, 2018 - Oct 15, 2020
#3	-67.51% Feb 14, 2014 - Oct 13, 2021	-41.14% Aug 5, 2015 - Feb 3, 2017
#4	-62.54% Jul 29, 2022 - Mar 4, 2026	-23.50% Apr 16, 2021 - Oct 20, 2021
#5	-41.61% May 31, 2011 - May 17, 2013	-21.78% Jan 12, 2021 - Feb 23, 2021
#6	-32.81% Jul 25, 2003 - Dec 12, 2003	-18.53% Aug 1, 2017 - Nov 29, 2017
#7	-24.27% Jan 30, 2004 - Sep 7, 2004	-14.29% Feb 24, 2017 - Apr 27, 2017
#8	-22.40% Feb 18, 2022 - Jul 29, 2022	-10.72% Nov 24, 2020 - Dec 15, 2020
#9	-17.00% Jun 17, 2003 - Jul 15, 2003	-10.19% Nov 29, 2017 - Jan 25, 2018
#10	-15.31% Apr 30, 2003 - May 9, 2003	-10.07% Dec 21, 2020 - Jan 12, 2021
#11	-13.94% Jun 13, 2013 - Jul 31, 2013	-9.10% Mar 1, 2021 - Mar 10, 2021
#12	-13.85% Feb 25, 2011 - Apr 26, 2011	-7.77% Mar 21, 2018 - May 22, 2018
#13	-11.23% Oct 30, 2013 - Feb 13, 2014	-6.84% Mar 22, 2021 - Mar 25, 2021
#14	-9.88% Mar 4, 2026 - Apr 7, 2026	-6.76% Feb 24, 2021 - Mar 1, 2021
#15	-8.70% Jul 1, 2026 - Jul 23, 2026	-6.27% Jun 16, 2017 - Aug 1, 2017