Is ECPG or ENVA more undervalued in 2026?

CirclFi compares Encore Capital Group Inc (ECPG) and Enova International, Inc. (ENVA) using 13 institutional-grade valuation models. ECPG has a Quality of Company score of 8.4/10 while ENVA scores 9.2/10.

Which is a better buy — ECPG or ENVA?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do ECPG and ENVA valuations compare?

ECPG at $80.30 and ENVA at $158.90 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

ECPG vs ENVA Valuation Comparison 2026 — Intrinsic Value Analysis

ECPG

Credit Services

Encore Capital Group Inc

Quality

8.4

out of 10

Value Trap

SAFE

Price

$80.30

Last close

Models

12/13

Active

ENVA

Credit Services

Enova International, Inc.

Quality

9.2

out of 10

Value Trap

SAFE

Price

$158.90

Last close

Models

9/13

Active

Model-by-Model Comparison

Model	Type	ECPG Fair Value	ECPG Upside	ENVA Fair Value	ENVA Upside
Bayesian DCF	Intrinsic	$35.28	-58.0%	—	—
Earnings Power Value	Intrinsic	$13.84	-82.8%	—	—
EROIC Spread	Intrinsic	$69.86	-13.0%	$50.61	-68.2%
First Chicago	Scenario	$180.56	+121.4%	$355.49	+123.7%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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ECPG vs ENVA — Which Stock Is More Undervalued?

ENVA scores higher with a 9.2/10 quality rating vs ECPG's 8.4/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Encore Capital Group Inc (ECPG) and Enova International, Inc. (ENVA) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

ECPG currently trades at $80.30 with a QOC of 8.4/10, while ENVA trades at $158.90 with a QOC of 9.2/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).