FINV vs. ECPG
FINV (FinVolution Group) and ECPG (Encore Capital Group, Inc.) are both stocks. Both are in the Financial Services sector — FINV in Credit Services, ECPG in Mortgage Finance. Over the past 5 years, FINV returned -0.78%/yr vs 14.72%/yr for ECPG. Their 0.18 correlation means their historical movements had little consistent relationship.
Performance
FINV vs. ECPG - Performance Comparison
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Returns By Period
In the year-to-date period, FINV achieves a -1.38% return, which is significantly lower than ECPG's 73.10% return.
FINV
- 1D
- -0.82%
- 1M
- 0.41%
- 6M
- 0.54%
- YTD
- -1.38%
- 1Y
- -37.41%
- 3Y*
- -1.84%
- 5Y*
- -0.78%
- 10Y*
- —
- ALL TIME*
- -6.70%
ECPG
- 1D
- -0.01%
- 1M
- 3.83%
- 6M
- 70.43%
- YTD
- 73.10%
- 1Y
- 161.55%
- 3Y*
- 21.16%
- 5Y*
- 14.72%
- 10Y*
- 14.73%
- ALL TIME*
- 9.01%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $36.77M | $32.24M | $29.81M | |
| $1.54M | $2.03M | $3.86M |
FINV vs. ECPG - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FINV FinVolution Group | -1.38% | -20.07% | 45.47% | 4.39% | 6.39% | 89.23% | 8.51% | -22.85% | -49.37% | -46.54% |
ECPG Encore Capital Group, Inc. | 73.10% | 13.77% | -5.87% | 5.86% | -22.81% | 59.46% | 10.15% | 50.47% | -44.18% | -14.26% |
Correlation
The correlation between FINV and ECPG is 0.27, which is low. Their historical price movements had little consistent relationship.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.27 |
Correlation (3Y) Balances recent behavior with more history. | 0.22 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.18 |
Correlation (All Time) Calculated using the full available price history since Nov 10, 2017 | 0.18 |
Fundamentals
FINV:
$1.20B
ECPG:
$2.02B
FINV:
CN¥8.34
ECPG:
$12.95
FINV:
3.93
ECPG:
7.26
FINV:
1.38
ECPG:
0.28
FINV:
0.65
ECPG:
1.16
FINV:
0.52
ECPG:
2.03
FINV:
CN¥13.24B
ECPG:
$1.85B
FINV:
CN¥10.21B
ECPG:
$1.38B
FINV:
CN¥2.61B
ECPG:
$510.14M
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Return for Risk
FINV vs. ECPG — Risk / Return Rank
FINV
ECPG
FINV vs. ECPG - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for FinVolution Group (FINV) and Encore Capital Group, Inc. (ECPG). 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.
| FINV | ECPG | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -5.28 | ||
| Sortino ratioReturn per unit of downside risk | -6.03 | ||
| Omega ratioGain probability vs. loss probability | 0.86 | 1.63 | -0.76 |
| Calmar ratioReturn relative to maximum drawdown | -0.79 | 12.94 | -13.72 |
| Martin ratioReturn relative to average drawdown | -1.01 | 38.19 | -39.20 |
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Drawdowns
FINV vs. ECPG - Drawdown Comparison
The maximum FINV drawdown since its inception was -89.76%, smaller than the maximum ECPG drawdown of -97.86%. Use the drawdown chart below to compare losses from any high point for FINV and ECPG.
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Drawdown Indicators
| FINV | ECPG | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -89.76% | -97.86% | +8.10% |
Max Drawdown (1Y)Largest decline over 1 year | -51.01% | -12.06% | -38.95% |
Max Drawdown (3Y)Largest decline over 3 years | -56.42% | -49.21% | -7.21% |
Max Drawdown (5Y)Largest decline over 5 years | -56.64% | -62.54% | +5.90% |
Max Drawdown (10Y)Largest decline over 10 years | — | -65.70% | — |
Current DrawdownCurrent decline from peak | -51.34% | -1.90% | -49.44% |
Average DrawdownAverage peak-to-trough decline | -54.06% | -37.37% | -16.69% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 39.43% | 4.08% | +35.35% |
Volatility
FINV vs. ECPG - Volatility Comparison
The current volatility for FinVolution Group (FINV) is 7.89%, while Encore Capital Group, Inc. (ECPG) has a volatility of 11.91%. This indicates that FINV experiences smaller price fluctuations and is considered to be less risky than ECPG based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FINV | ECPG | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 7.89% | 11.91% | -4.02% |
Volatility (6M)Calculated over the trailing 6-month period | 33.60% | 22.56% | +11.04% |
Volatility (1Y)Calculated over the trailing 1-year period | 47.79% | 35.13% | +12.66% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 48.82% | 38.17% | +10.65% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 71.29% | 48.28% | +23.01% |
Dividends
FINV vs. ECPG - Dividend Comparison
FINV's dividend yield for the trailing twelve months is around 6.31%, while ECPG has not paid dividends to shareholders.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
ECPG Encore Capital Group, Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
FINV FinVolution Group | 6.31% | 5.30% | 3.49% | 4.39% | 4.13% | 3.45% | 4.49% | 7.17% |
Financials
FINV vs. ECPG - Financials Comparison
This section allows you to compare key financial metrics between FinVolution Group and Encore Capital 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
FINV vs. ECPG - Profitability Comparison
FINV - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, FinVolution Group reported a gross profit of 2.43B and revenue of 3.19B. Therefore, the gross margin over that period was 76.3%.
ECPG - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 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%.
FINV - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, FinVolution Group reported an operating income of 526.49M and revenue of 3.19B, resulting in an operating margin of 16.5%.
ECPG - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 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%.
FINV - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, FinVolution Group reported a net income of 412.55M and revenue of 3.19B, resulting in a net margin of 12.9%.
ECPG - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 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%.
Frequently Asked Questions
FINV and ECPG have a correlation of 0.27, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
ECPG has higher volatility (11.91%) compared to FINV (7.89%). In terms of maximum drawdown, FINV dropped -89.76% vs ECPG's -97.86%.
ECPG currently has the higher Sharpe Ratio (4.44 vs -0.84), 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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