ECPG vs NCNO

Comparison between Encore Capital Group Inc (ECPG, Company) and Ncino Inc (NCNO, Company).

ECPG is from the Financial Services sector, while NCNO is from the Technology sector.

5-Year PerformanceECPG has outperformed NCNO, delivering a return of +13.7% compared to -23.9%

ECPG vs NCNO - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	ECPG(COMPANY)	NCNO(COMPANY)
Market Cap	$1.93B	$1.94B
Max Drawdown	95.07%	85.71%
Sharpe Ratio	2.49	-1.02
5Y Beta	1.25	0.91
Industry	Credit Services	Software - Application
P/E Ratio	6.73	143.99
Forward P/E	5.54	14.60
PEG Ratio	0.17	N/A
5Y EPS CAGR	5.64%	N/A
Debt to Equity	0.00%	27.08%
Free Cash Flow Yield	8.60%	5.72%
P/S Ratio	1.04	3.19
P/B Ratio	1.88	1.98

Market Cap

ECPG

$1.93B

Winner

NCNO

$1.94B

Max Drawdown

ECPG

95.07%

Winner

NCNO

85.71%

Sharpe Ratio

Winner

ECPG

2.49

NCNO

-1.02

5Y Beta

ECPG

1.25

Winner

NCNO

0.91

Industry

ECPG

Credit Services

NCNO

Software - Application

P/E Ratio

Winner

ECPG

6.73

NCNO

143.99

Forward P/E

Winner

ECPG

5.54

NCNO

14.60

PEG Ratio

ECPG

0.17

NCNO

N/A

5Y EPS CAGR

ECPG

5.64%

NCNO

N/A

Debt to Equity

Winner

ECPG

0.00%

NCNO

27.08%

Free Cash Flow Yield

Winner

ECPG

8.60%

NCNO

5.72%

P/S Ratio

Winner

ECPG

1.04

NCNO

3.19

P/B Ratio

Winner

ECPG

1.88

NCNO

1.98

ECPG vs NCNO - Historical Returns

Returns include dividend reinvestment.

Period	ECPG	NCNO
1 month	+6.25%	+18.44%
3 months	+9.11%	-5.21%
6 months	+59.03%	-24.67%
1 year	+130.37%	-43.95%
5 years(CAGR)	+13.66%	-23.89%
10 years(CAGR)	+13.81%	N/A
Max(CAGR)	+12.96%	-24.21%

ECPG

+6.25%

Winner

NCNO

+18.44%

Winner

ECPG

+9.11%

NCNO

-5.21%

Winner

ECPG

+59.03%

NCNO

-24.67%

Winner

ECPG

+130.37%

NCNO

-43.95%

5Y(CAGR)

Winner

ECPG

+13.66%

NCNO

-23.89%

10Y(CAGR)

ECPG

+13.81%

NCNO

N/A

Max(CAGR)

Winner

ECPG

+12.96%

NCNO

-24.21%

ECPG vs NCNO - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	ECPG	NCNO
2026	+59.54%	-29.90%
2025	+15.64%	-23.26%
2024	-7.37%	-3.14%
2023	+2.88%	+27.24%
2022	-21.93%	-52.96%
2021	+66.83%	-23.43%
2020	+8.38%	-20.94%
2019	+44.09%	N/A
2018	-44.05%	N/A
2017	+43.93%	N/A
2016	-1.61%	N/A
2015	-33.70%	N/A
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 NCNO Drawdown Comparison

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

The maximum drawdown for NCNO was -85.71%, occurring on Mar 27, 2026. This drawdown has not yet recovered.

The current ECPG drawdown is -4.89%. The current NCNO drawdown is -82.37%.

Rank	ECPG	NCNO
#1	-95.07% Nov 5, 1999 - Apr 29, 2003	-85.71% Sep 1, 2020 - Mar 27, 2026
#2	-88.48% Nov 30, 2004 - Feb 15, 2011	-25.49% Jul 14, 2020 - Aug 31, 2020
#3	-67.51% Feb 14, 2014 - Oct 13, 2021	N/A
#4	-62.54% Jul 29, 2022 - Mar 4, 2026	N/A
#5	-41.61% May 31, 2011 - May 17, 2013	N/A
#6	-32.81% Jul 25, 2003 - Dec 12, 2003	N/A
#7	-24.27% Jan 30, 2004 - Sep 7, 2004	N/A
#8	-22.40% Feb 18, 2022 - Jul 29, 2022	N/A
#9	-17.00% Jun 17, 2003 - Jul 15, 2003	N/A
#10	-15.31% Apr 30, 2003 - May 9, 2003	N/A
#11	-13.94% Jun 13, 2013 - Jul 31, 2013	N/A
#12	-13.85% Feb 25, 2011 - Apr 26, 2011	N/A
#13	-11.23% Oct 30, 2013 - Feb 13, 2014	N/A
#14	-9.88% Mar 4, 2026 - Apr 7, 2026	N/A
#15	-7.93% Nov 8, 2021 - Dec 22, 2021	N/A

Correlation

Correlation between ECPG and NCNO is -0.40 which considered as a weak negative correlation - the stocks show a slight tendency to move in opposite directions.

-0.40

-101