Supervielle vs Encore Capital
This page compares Supervielle (Grupo Supervielle SA) and Encore Capital (Encore Capital Group Inc), examining business models, financial performance, and market context in a neutral, accessible way. Educational content, not financial advice.
This page compares Supervielle (Grupo Supervielle SA) and Encore Capital (Encore Capital Group Inc), examining business models, financial performance, and market context in a neutral, accessible way. ...
Investment Analysis
Supervielle
SUPV
Pros
- Net income rose strongly by 62% sequentially in Q2 2025, showing positive momentum in profitability.
- Loan portfolio expanded by 14% sequentially and 71% year-on-year, indicating strong credit demand.
- The company has solid financial health with a debt to equity ratio around 54%, and diversified business segments including personal and corporate banking, insurance, and asset management.
Considerations
- Earnings per share in Q2 2025 missed expectations by 57%, causing an 8.93% drop in stock price post-earnings.
- Loan loss provisions increased by 32%, suggesting rising asset quality risks.
- High leverage with a capital leverage ratio around 5.7 increases exposure to financial strain if market conditions deteriorate.
Encore Capital
ECPG
Pros
- Encore Capital Group operates in the specialized debt collection industry, offering a niche growth area with potential economic resilience.
- The stock has traded in a relatively wide price range recently, reflecting increased trading interest and institutional ownership which often supports liquidity.
- Market volatility may create opportunities in distressed debt acquisition, a key part of Encore’s business model which can drive earnings in favourable conditions.
Considerations
- Encore is exposed to regulatory risks inherent in debt collection practices, which could impact profitability and operational flexibility.
- Its business is sensitive to the macroeconomic cycle; rising unemployment or economic downturns can impair debt recovery rates.
- Recent stock price volatility and a broad 52-week price range indicate execution risks and potential market uncertainty around growth sustainability.
Which Baskets Do They Appear In?
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Which Baskets Do They Appear In?
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