ECPG vs. HCI
ECPG (Encore Capital Group, Inc.) and HCI (HCI Group, Inc.) are both stocks. Both are in the Financial Services sector — ECPG in Mortgage Finance, HCI in Insurance - Property & Casualty. Over the past 10 years, ECPG returned 13.70%/yr vs 23.09%/yr for HCI. At a 0.19 correlation, their price movements are largely independent.
Performance
ECPG vs. HCI - Performance Comparison
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Returns By Period
In the year-to-date period, ECPG achieves a 54.46% return, which is significantly higher than HCI's -12.21% return. Over the past 10 years, ECPG has underperformed HCI with an annualized return of 13.70%, while HCI has yielded a comparatively higher 23.09% annualized return.
ECPG
- 1D
- 1.08%
- 1M
- 4.68%
- YTD
- 54.46%
- 6M
- 51.97%
- 1Y
- 117.49%
- 3Y*
- 21.41%
- 5Y*
- 11.92%
- 10Y*
- 13.70%
HCI
- 1D
- 2.32%
- 1M
- 6.10%
- YTD
- -12.21%
- 6M
- -13.21%
- 1Y
- 15.05%
- 3Y*
- 43.72%
- 5Y*
- 14.01%
- 10Y*
- 23.09%
ECPG vs. HCI - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
ECPG Encore Capital Group, Inc. | 54.46% | 13.77% | -5.87% | 5.86% | -22.81% | 59.46% | 10.15% | 50.47% | -44.18% | 46.95% |
HCI HCI Group, Inc. | -12.21% | 66.27% | 35.46% | 126.76% | -51.20% | 62.74% | 18.45% | -6.80% | 75.98% | -21.53% |
Correlation
The correlation between ECPG and HCI is 0.18, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.18 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.18 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.20 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.20 |
Correlation (All Time) Calculated using the full available price history since Sep 15, 2008 | 0.19 |
Fundamentals
ECPG:
$1.87B
HCI:
$2.16B
ECPG:
$12.85
HCI:
$24.40
ECPG:
6.53
HCI:
6.86
ECPG:
0.25
HCI:
0.01
ECPG:
1.05
HCI:
2.33
ECPG:
1.81
HCI:
1.98
ECPG:
$1.85B
HCI:
$927.48M
ECPG:
$1.38B
HCI:
$617.14M
ECPG:
$510.14M
HCI:
$459.34M
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Return for Risk
ECPG vs. HCI — Risk / Return Rank
ECPG
HCI
ECPG vs. HCI - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Encore Capital Group, Inc. (ECPG) and HCI Group, Inc. (HCI). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| ECPG | HCI | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +2.97 | ||
| Sortino ratioReturn per unit of downside risk | +3.17 | ||
| Omega ratioGain probability vs. loss probability | 1.52 | 1.11 | +0.41 |
| Calmar ratioReturn relative to maximum drawdown | 9.36 | 0.55 | +8.81 |
| Martin ratioReturn relative to average drawdown | 26.20 | 0.93 | +25.27 |
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Drawdowns
ECPG vs. HCI - Drawdown Comparison
The maximum ECPG drawdown since its inception was -97.86%, which is greater than HCI's maximum drawdown of -78.79%. Use the drawdown chart below to compare losses from any high point for ECPG and HCI.
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Drawdown Indicators
| ECPG | HCI | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -97.86% | -78.79% | -19.07% |
Max Drawdown (1Y)Largest decline over 1 year | -12.63% | -27.46% | +14.83% |
Max Drawdown (3Y)Largest decline over 3 years | -49.94% | -28.30% | -21.64% |
Max Drawdown (5Y)Largest decline over 5 years | -62.54% | -78.79% | +16.25% |
Max Drawdown (10Y)Largest decline over 10 years | -65.70% | -78.79% | +13.09% |
Current DrawdownCurrent decline from peak | -0.54% | -18.28% | +17.74% |
Average DrawdownAverage peak-to-trough decline | -37.51% | -20.67% | -16.84% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 4.50% | 16.27% | -11.77% |
Volatility
ECPG vs. HCI - Volatility Comparison
Encore Capital Group, Inc. (ECPG) and HCI Group, Inc. (HCI) have volatilities of 7.19% and 7.36%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| ECPG | HCI | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 7.19% | 7.36% | -0.17% |
Volatility (6M)Calculated over the trailing 6-month period | 20.27% | 20.96% | -0.69% |
Volatility (1Y)Calculated over the trailing 1-year period | 34.29% | 31.63% | +2.66% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 37.84% | 43.00% | -5.16% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 48.37% | 41.57% | +6.80% |
Dividends
ECPG vs. HCI - Dividend Comparison
ECPG has not paid dividends to shareholders, while HCI's dividend yield for the trailing twelve months is around 0.96%.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
ECPG Encore Capital Group, Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
HCI HCI Group, Inc. | 0.96% | 0.83% | 1.37% | 1.83% | 4.04% | 1.92% | 3.06% | 3.50% | 2.90% | 4.68% | 3.04% | 3.44% |
Financials
ECPG vs. HCI - Financials Comparison
This section allows you to compare key financial metrics between Encore Capital Group, Inc. and HCI Group, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
ECPG vs. HCI - Profitability Comparison
ECPG - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Encore Capital Group, Inc. reported a gross profit of 360.87M and revenue of 475.41M. Therefore, the gross margin over that period was 75.9%.
HCI - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, HCI Group, Inc. reported a gross profit of 177.28M and revenue of 242.88M. Therefore, the gross margin over that period was 73.0%.
ECPG - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Encore Capital Group, Inc. reported an operating income of 183.99M and revenue of 475.41M, resulting in an operating margin of 38.7%.
HCI - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, HCI Group, Inc. reported an operating income of 115.38M and revenue of 242.88M, resulting in an operating margin of 47.5%.
ECPG - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Encore Capital Group, Inc. reported a net income of 86.24M and revenue of 475.41M, resulting in a net margin of 18.1%.
HCI - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, HCI Group, Inc. reported a net income of 85.04M and revenue of 242.88M, resulting in a net margin of 35.0%.
Frequently Asked Questions
ECPG and HCI have a correlation of 0.18, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
HCI has higher volatility (7.36%) compared to ECPG (7.19%). In terms of maximum drawdown, ECPG dropped -97.86% vs HCI's -78.79%.
ECPG currently has the higher Sharpe Ratio (3.45 vs 0.48), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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