Sifting through countless of stocks in the Consumer Finance industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Encore Capital Group, Inc., OneMain Holdings or Inc. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Encore Capital Group, Inc., OneMain Holdings and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About Encore Capital Group, Inc., OneMain Holdings and Inc.

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 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 debt servicing, such as 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.

OneMain Holdings, Inc., a financial service holding company, engages in the consumer finance and insurance businesses in the United States. The company provides origination, underwriting, and servicing of consumer loans, consisting of personal loans and auto finance. It also offers secured auto financing; credit cards; optional credit insurance products, including life, disability, and involuntary unemployment insurance; optional non-credit insurance; guaranteed asset protection coverage as a waiver product or insurance; and membership plans. The company provides personal loans through its branch network, central operations, digital affiliates, and its website. The company was formerly known as Springleaf Holdings, Inc. and changed its name to OneMain Holdings, Inc. in November 2015. OneMain Holdings, Inc. was incorporated in 2013 and is based in Evansville, Indiana.

Latest Consumer Finance and Encore Capital Group, Inc., OneMain Holdings, Inc. Stock News

As of July 31, 2026, Encore Capital Group, Inc. had a $2.0 billion market capitalization, compared to the Consumer Finance median of $1.2 million. Encore Capital Group, Inc.’s stock is up 73.1% in 2026, up 4.4% in the previous five trading days and up 154.48% in the past year.

Currently, Encore Capital Group, Inc.’s price-earnings ratio is 7.3. Encore Capital Group, Inc.’s trailing 12-month revenue is $1.9 billion with a 16.0% net profit margin. Year-over-year quarterly sales growth most recently was 21.0%. Analysts expect adjusted earnings to reach $12.997 per share for the current fiscal year. Encore Capital Group, Inc. does not currently pay a dividend.

As of July 31, 2026, OneMain Holdings, Inc. had a $7.2 billion market cap, putting it in the 73rd percentile of all stocks. OneMain Holdings, Inc.’s stock is down 7.4% in 2026, up 4.8% in the previous five trading days and up 8.51% in the past year.

Currently, OneMain Holdings, Inc.’s price-earnings ratio is 9.3. OneMain Holdings, Inc.’s trailing 12-month revenue is $3.0 billion with a 25.9% net profit margin. Year-over-year quarterly sales growth most recently was 9.1%. Analysts expect adjusted earnings to reach $7.087 per share for the current fiscal year. OneMain Holdings, Inc. currently has a 6.7% dividend yield.

How We Compare Encore Capital Group, Inc., OneMain Holdings and Inc. Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Encore Capital Group, Inc., OneMain Holdings and Inc.’s stock grades to see how they measure up against one another.

Learn more about A+ Investor here!

Sign Up to Receive a Free Special Report Showing How A+ Grades Can Help You Make Smarter Investment Decisions

Encore Capital Group, Inc., OneMain Holdings and Inc. Stock Value Grades

Company	Ticker	Value
Encore Capital Group, Inc.	ECPG	A
OneMain Holdings, Inc.	OMF	A

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

Encore Capital Group, Inc. has a Value Score of 91, which is Deep Value. OneMain Holdings, Inc. has a Value Score of 89, which is Deep Value.

The Value Stock Winner: It’s a Tie!

Looking at the Value Grade breakdown above, both Encore Capital Group, Inc., OneMain Holdings and Inc. have a Value Grade of A. For investors who focus solely on a company’s valuation, you will need to conduct further research into both of these companies’ other metrics to see if they could be good additions to your portfolio. It’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Encore Capital Group, Inc., OneMain Holdings and Inc.’s Momentum Grades

Company	Ticker	Momentum
Encore Capital Group, Inc.	ECPG	A
OneMain Holdings, Inc.	OMF	C

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

Encore Capital Group, Inc. has a Momentum Score of 92, which is Very Strong. OneMain Holdings, Inc. has a Momentum Score of 54, which is Average.

The Momentum Grade Winner: Encore Capital Group, Inc.

As you can clearly see from the Momentum Grade breakdown above, Encore Capital Group, Inc. is considered to have stronger momentum compared to OneMain Holdings, Inc.. For those specifically looking for companies that have stronger momentum compared to other companies in the same industry, Encore Capital Group, Inc. could be a good stock to invest in. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Encore Capital Group, Inc., OneMain Holdings and Inc.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Encore Capital Group, Inc.	ECPG	A
OneMain Holdings, Inc.	OMF	D

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Encore Capital Group, Inc. has a Earnings Estimate Score of 87, which is Very Positive. OneMain Holdings, Inc. has a Earnings Estimate Score of 30, which is Negative.

The Earnings Estimate Revisions Grade Winner: Encore Capital Group, Inc.

As you can clearly see from the Earnings Estimate Revisions Grade breakdown above, Encore Capital Group, Inc. has a better Earnings Estimate Revisions Grade than OneMain Holdings, Inc.. For those who are specifically looking for companies with better short-term prospects when compared to other companies in the same industry, Encore Capital Group, Inc. could be a good stock to invest in. However, it’s important to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Other Encore Capital Group, Inc., OneMain Holdings and Inc. Grades

In addition to Momentum, Value and Estimate Revisions, A+ Investor also provides grades for Growth and Quality.

Growth investing builds on the idea that stocks of companies exhibiting strong, consistent and prolonged growth outperform those of slower-growth companies. AAII measures growth through consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations.

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and F-Score.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Encore Capital Group, Inc., OneMain Holdings and Inc. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Encore Capital Group, Inc., OneMain Holdings or Inc. Stock?

Overall, Encore Capital Group, Inc. stock has a Value Score of 91, Momentum Score of 92 and Estimate Revisions Score of 87.

OneMain Holdings, Inc. stock has a Value Score of 89, Momentum Score of 54 and Estimate Revisions Score of 30.

Comparing Encore Capital Group, Inc., OneMain Holdings and Inc.’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.