Is ECPG or FOA more undervalued in 2026?

CirclFi compares Encore Capital Group Inc (ECPG) and Finance of America Companies In (FOA) using 13 institutional-grade valuation models. ECPG has a Quality of Company score of 8.4/10 while FOA scores 6.6/10.

Which is a better buy — ECPG or FOA?

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 FOA valuations compare?

ECPG at $80.30 and FOA at $20.25 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

ECPG vs FOA 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

FOA

Credit Services

Finance of America Companies In

Quality

6.6

out of 10

Value Trap

LOW

Price

$20.25

Last close

Models

4/13

Active

Model-by-Model Comparison

Model	Type	ECPG Fair Value	ECPG Upside	FOA Fair Value	FOA Upside
Bayesian DCF	Intrinsic	$35.28	-58.0%	—	—
Earnings Power Value	Intrinsic	$13.84	-82.8%	$109.79	+442.2%
EROIC Spread	Intrinsic	$69.86	-13.0%	$49.08	+142.4%
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	$•••.••	••.•%	$•••.••	••.•%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for ECPG vs FOA — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

ECPG vs FOA — Which Stock Is More Undervalued?

ECPG scores higher with a 8.4/10 quality rating vs FOA's 6.6/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Encore Capital Group Inc (ECPG) and Finance of America Companies In (FOA) 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 FOA trades at $20.25 with a QOC of 6.6/10.

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).