Is ECPG or FCFS more undervalued in 2026?

CirclFi compares Encore Capital Group Inc (ECPG) and FirstCash Holdings, Inc. (FCFS) using 13 institutional-grade valuation models. ECPG has a Quality of Company score of 8.4/10 while FCFS scores 9.5/10.

Which is a better buy — ECPG or FCFS?

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 FCFS valuations compare?

ECPG at $80.30 and FCFS at $223.25 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

ECPG vs FCFS 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

FCFS

Credit Services

FirstCash Holdings, Inc.

Quality

9.5

out of 10

Value Trap

SAFE

Price

$223.25

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	ECPG Fair Value	ECPG Upside	FCFS Fair Value	FCFS Upside
Bayesian DCF	Intrinsic	$35.28	-58.0%	$105.49	-52.7%
Earnings Power Value	Intrinsic	$13.84	-82.8%	—	—
EROIC Spread	Intrinsic	$69.86	-13.0%	$32.05	-85.6%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
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 FCFS — Which Stock Is More Undervalued?

FCFS scores higher with a 9.5/10 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 FirstCash Holdings, Inc. (FCFS) 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 FCFS trades at $223.25 with a QOC of 9.5/10.

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).