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    Zachary Oster

    Research Analyst at Citizens JMP

    Zachary Oster is an Equity Research Associate at Citizens JMP Securities, specializing in fintech and consumer finance research, and actively contributes to analyses of companies such as Encore Capital Group Inc. and OppFi Inc. His work involves preparing detailed investment recommendations and posing earnings call questions to management teams, supporting institutional investor decisions. Oster is registered with FINRA (CRD#: 7191321) and is licensed to operate as a broker, and he began his equity research career at Citizens JMP, where he continues to develop sector expertise and expand company coverage. While specific performance metrics and broader company rankings are not publicly available, Oster's current focus and professional credentials mark him as a rising analyst within the fintech and consumer finance sectors.

    Zachary Oster's questions to ENCORE CAPITAL GROUP (ECPG) leadership

    Zachary Oster's questions to ENCORE CAPITAL GROUP (ECPG) leadership • Q2 2025

    Question

    Zachary Oster of Citizens JMP, on behalf of David Scharf, requested details on the current competitive dynamics and pricing environment in both the U.S. and European debt purchasing markets.

    Answer

    President & CEO Ashish Masih described the U.S. market as stable, with robust supply and attractive pricing leading to strong returns for its MCM business. In contrast, he noted the European market continues to see lower supply due to subdued lending and low delinquencies. While competition in Europe has improved, it remains more intense compared to the U.S. He concluded that the overall environment was not materially different from the previous quarter.

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    Zachary Oster's questions to OppFi (OPFI) leadership

    Zachary Oster's questions to OppFi (OPFI) leadership • Q1 2025

    Question

    Zachary Oster, on for David Scharf, inquired about the drivers of the strong yield performance, the current state of the credit box, the potential for credit loosening given macro trends, and the company's thought process on resuming share repurchases.

    Answer

    CEO Todd Schwartz clarified that the company has not loosened its credit box and remains disciplined. He attributed the higher yield to better repayment rates on accrual loans and the successful implementation of risk-based pricing via Model 6, which better prices risk for new customers. On capital allocation, Schwartz confirmed that share repurchases are an option when the stock appears undervalued, but the company continuously weighs this against other accretive uses of capital like strategic growth initiatives.

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