Reviewing KRUK Spólka Akcyjna (OTCMKTS:KRKKF) & Encore Capital Group (NASDAQ:ECPG)

Encore Capital Group (NASDAQ:ECPG) and KRUK Spólka Akcyjna (OTCMKTS:KRKKF) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their dividends, profitability, earnings, analyst recommendations, institutional ownership, risk and valuation.

Analyst Ratings

This is a summary of recent recommendations for Encore Capital Group and KRUK Spólka Akcyjna, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Encore Capital Group	0	0	5	1	3.17
KRUK Spólka Akcyjna	0	0	0	0	0.00

Encore Capital Group currently has a consensus target price of $89.75, suggesting a potential downside of 10.38%. Given Encore Capital Group’s stronger consensus rating and higher possible upside, research analysts plainly believe Encore Capital Group is more favorable than KRUK Spólka Akcyjna.

Valuation and Earnings

This table compares Encore Capital Group and KRUK Spólka Akcyjna”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Encore Capital Group	$1.77 billion	1.20	$256.83 million	$13.21	7.58
KRUK Spólka Akcyjna	N/A	N/A	N/A	N/A	N/A

Encore Capital Group has higher revenue and earnings than KRUK Spólka Akcyjna.

Profitability

This table compares Encore Capital Group and KRUK Spólka Akcyjna’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Encore Capital Group	15.86%	29.83%	5.58%
KRUK Spólka Akcyjna	N/A	N/A	N/A

Summary

Encore Capital Group beats KRUK Spólka Akcyjna on 8 of the 8 factors compared between the two stocks.

About Encore Capital Group

Encore Capital Group, Inc., a specialty finance company, provides debt recovery solutions and other related services for consumers across financial assets worldwide. The company purchases portfolios of defaulted consumer receivables at deep discounts to face value, as well as manages them by working with individuals as they repay their obligations and works toward financial recovery. It is also involved in the provision of early stage collection, business process outsourcing, and contingent collection services. In addition, the company engages in debt servicing and other portfolio management services to credit originator for non-performing loans. Further, it offers credit management services. Encore Capital Group, Inc. was incorporated in 1999 and is headquartered in San Diego, California.

About KRUK Spólka Akcyjna

KRUK Spólka Akcyjna, together with its subsidiaries, engages in the management of debt in Poland, Romania, Italy, the Czech Republic, Slovakia, Germany, Spain, and internationally. The company operates through Consumer Debts, Mortgage Debts, and Corporate Debts segments. It offers credit management services to banks, telecommunication operators, insurers, and others. In addition, the company purchases and manages debt portfolios including consumer, mortgage, and corporate debts. Further, it offers consumer unsecured, mortgage, and SME/corporate loans, as well as manages the receivables of banks, loan brokers, insurers, leasing companies, landline and mobile telecommunications operators, cable TV operators, digital TV operators, and FMCG companies. Additionally, the company provides Novum loan services; detective services; financial intermediation agency services; and auxiliary services to small and medium-sized enterprises. Furthermore, it collects, processes, and provides credit information on natural persons; and invests in receivables and other funds. The company acquires agricultural real estate properties; and engages in IT and software development businesses, as well as involved in law firm related activities. KRUK Spólka Akcyjna was founded in 1998 and is headquartered in Wroclaw, Poland.