ENCORE CAPITAL GROUP INC (ECPG) Fundamental Analysis & Valuation

NASDAQ:ECPG • US2925541029

Current stock price

68.02 USD
-1.12 (-1.62%)
At close:
68.02 USD
0 (0%)
After Hours:

This ECPG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. ECPG Profitability Analysis

1.1 Basic Checks

  • ECPG had positive earnings in the past year.
  • ECPG had a positive operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: ECPG reported negative net income in multiple years.
  • Each year in the past 5 years ECPG had a positive operating cash flow.
ECPG Yearly Net Income VS EBIT VS OCF VS FCFECPG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M 600M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 4.81%, ECPG is in the better half of the industry, outperforming 64.81% of the companies in the same industry.
  • ECPG has a better Return On Equity (26.29%) than 77.78% of its industry peers.
  • ECPG has a better Return On Invested Capital (9.37%) than 74.07% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for ECPG is significantly below the industry average of 12.37%.
  • The last Return On Invested Capital (9.37%) for ECPG is above the 3 year average (6.33%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 4.81%
ROE 26.29%
ROIC 9.37%
ROA(3y)-0.85%
ROA(5y)1.87%
ROE(3y)-4.63%
ROE(5y)6.44%
ROIC(3y)6.33%
ROIC(5y)6.68%
ECPG Yearly ROA, ROE, ROICECPG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20 -20

1.3 Margins

  • Looking at the Profit Margin, with a value of 14.52%, ECPG is in the better half of the industry, outperforming 62.96% of the companies in the same industry.
  • ECPG's Profit Margin has been stable in the last couple of years.
  • The Operating Margin of ECPG (35.43%) is better than 87.04% of its industry peers.
  • ECPG's Operating Margin has been stable in the last couple of years.
  • ECPG has a Gross Margin of 80.51%. This is in the better half of the industry: ECPG outperforms 74.07% of its industry peers.
  • ECPG's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 35.43%
PM (TTM) 14.52%
GM 80.51%
OM growth 3Y7.8%
OM growth 5Y0.12%
PM growth 3Y-0.88%
PM growth 5Y0.48%
GM growth 3Y-0.03%
GM growth 5Y-0.04%
ECPG Yearly Profit, Operating, Gross MarginsECPG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. ECPG Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), ECPG is creating some value.
  • ECPG has less shares outstanding than it did 1 year ago.
  • ECPG has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, ECPG has an improved debt to assets ratio.
ECPG Yearly Shares OutstandingECPG Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
ECPG Yearly Total Debt VS Total AssetsECPG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

2.2 Solvency

  • Based on the Altman-Z score of 1.21, we must say that ECPG is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of ECPG (1.21) is better than 72.22% of its industry peers.
  • ECPG has a debt to FCF ratio of 31.52. This is a negative value and a sign of low solvency as ECPG would need 31.52 years to pay back of all of its debts.
  • ECPG has a Debt to FCF ratio (31.52) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 4.10 is on the high side and indicates that ECPG has dependencies on debt financing.
  • ECPG's Debt to Equity ratio of 4.10 is on the low side compared to the rest of the industry. ECPG is outperformed by 61.11% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.1
Debt/FCF 31.52
Altman-Z 1.21
ROIC/WACC1.23
WACC7.59%
ECPG Yearly LT Debt VS Equity VS FCFECPG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

2.3 Liquidity

  • ECPG has a Current Ratio of 0.99. This is a bad value and indicates that ECPG is not financially healthy enough and could expect problems in meeting its short term obligations.
  • ECPG has a Current ratio (0.99) which is in line with its industry peers.
  • ECPG has a Quick Ratio of 0.99. This is a bad value and indicates that ECPG is not financially healthy enough and could expect problems in meeting its short term obligations.
  • ECPG has a Quick ratio of 0.99. This is comparable to the rest of the industry: ECPG outperforms 42.59% of its industry peers.
Industry RankSector Rank
Current Ratio 0.99
Quick Ratio 0.99
ECPG Yearly Current Assets VS Current LiabilitesECPG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. ECPG Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 117.03% over the past year.
  • Measured over the past 5 years, ECPG shows a small growth in Earnings Per Share. The EPS has been growing by 7.15% on average per year.
  • Looking at the last year, ECPG shows a very strong growth in Revenue. The Revenue has grown by 34.37%.
  • ECPG shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.43% yearly.
EPS 1Y (TTM)117.03%
EPS 3Y17.25%
EPS 5Y7.15%
EPS Q2Q%124.67%
Revenue 1Y (TTM)34.37%
Revenue growth 3Y10.66%
Revenue growth 5Y3.43%
Sales Q2Q%78.28%

3.2 Future

  • Based on estimates for the next years, ECPG will show a small growth in Earnings Per Share. The EPS will grow by 6.19% on average per year.
  • Based on estimates for the next years, ECPG will show a small growth in Revenue. The Revenue will grow by 4.55% on average per year.
EPS Next Y3.98%
EPS Next 2Y6.19%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.62%
Revenue Next 2Y4.55%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
ECPG Yearly Revenue VS EstimatesECPG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B
ECPG Yearly EPS VS EstimatesECPG Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8 10

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Find the best growth stocksShow best growing peers

6

4. ECPG Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 6.21 indicates a rather cheap valuation of ECPG.
  • ECPG's Price/Earnings ratio is a bit cheaper when compared to the industry. ECPG is cheaper than 66.67% of the companies in the same industry.
  • ECPG is valuated cheaply when we compare the Price/Earnings ratio to 25.23, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 5.97, the valuation of ECPG can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, ECPG is valued a bit cheaper than the industry average as 77.78% of the companies are valued more expensively.
  • ECPG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.28.
Industry RankSector Rank
PE 6.21
Fwd PE 5.97
ECPG Price Earnings VS Forward Price EarningsECPG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ECPG indicates a somewhat cheap valuation: ECPG is cheaper than 74.07% of the companies listed in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of ECPG is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 11.47
EV/EBITDA 8.12
ECPG Per share dataECPG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • The decent profitability rating of ECPG may justify a higher PE ratio.
PEG (NY)1.56
PEG (5Y)0.87
EPS Next 2Y6.19%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. ECPG Dividend Analysis

5.1 Amount

  • ECPG does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

ECPG Fundamentals: All Metrics, Ratios and Statistics

ENCORE CAPITAL GROUP INC

NASDAQ:ECPG (3/20/2026, 8:00:01 PM)

After market: 68.02 0 (0%)

68.02

-1.12 (-1.62%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-25
Earnings (Next)05-05
Inst Owners107.21%
Inst Owner Change-4.85%
Ins Owners3.19%
Ins Owner Change2.52%
Market Cap1.46B
Revenue(TTM)1.77B
Net Income(TTM)256.83M
Analysts80
Price Target69.36 (1.97%)
Short Float %4.99%
Short Ratio4.51
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)63.03%
Min EPS beat(2)57.52%
Max EPS beat(2)68.54%
EPS beat(4)4
Avg EPS beat(4)63.52%
Min EPS beat(4)55.86%
Max EPS beat(4)72.16%
EPS beat(8)5
Avg EPS beat(8)29.83%
EPS beat(12)5
Avg EPS beat(12)11.81%
EPS beat(16)7
Avg EPS beat(16)1.37%
Revenue beat(2)2
Avg Revenue beat(2)9.93%
Min Revenue beat(2)9.89%
Max Revenue beat(2)9.97%
Revenue beat(4)4
Avg Revenue beat(4)8.93%
Min Revenue beat(4)2.83%
Max Revenue beat(4)13.05%
Revenue beat(8)5
Avg Revenue beat(8)0.8%
Revenue beat(12)5
Avg Revenue beat(12)-3.56%
Revenue beat(16)5
Avg Revenue beat(16)-3.79%
PT rev (1m)0%
PT rev (3m)12.86%
EPS NQ rev (1m)25.44%
EPS NQ rev (3m)43.22%
EPS NY rev (1m)24.24%
EPS NY rev (3m)20.42%
Revenue NQ rev (1m)2.47%
Revenue NQ rev (3m)2.47%
Revenue NY rev (1m)2.23%
Revenue NY rev (3m)1.95%
Valuation
Industry RankSector Rank
PE 6.21
Fwd PE 5.97
P/S 0.82
P/FCF 11.47
P/OCF 9.51
P/B 1.49
P/tB 3.31
EV/EBITDA 8.12
EPS(TTM)10.96
EY16.11%
EPS(NY)11.4
Fwd EY16.75%
FCF(TTM)5.93
FCFY8.72%
OCF(TTM)7.16
OCFY10.52%
SpS82.62
BVpS45.62
TBVpS20.57
PEG (NY)1.56
PEG (5Y)0.87
Graham Number106.07
Profitability
Industry RankSector Rank
ROA 4.81%
ROE 26.29%
ROCE 12.26%
ROIC 9.37%
ROICexc 9.67%
ROICexgc 10.99%
OM 35.43%
PM (TTM) 14.52%
GM 80.51%
FCFM 7.18%
ROA(3y)-0.85%
ROA(5y)1.87%
ROE(3y)-4.63%
ROE(5y)6.44%
ROIC(3y)6.33%
ROIC(5y)6.68%
ROICexc(3y)6.57%
ROICexc(5y)6.94%
ROICexgc(3y)7.68%
ROICexgc(5y)8.63%
ROCE(3y)8.29%
ROCE(5y)8.74%
ROICexgc growth 3Y6.53%
ROICexgc growth 5Y-1.59%
ROICexc growth 3Y12.35%
ROICexc growth 5Y1.25%
OM growth 3Y7.8%
OM growth 5Y0.12%
PM growth 3Y-0.88%
PM growth 5Y0.48%
GM growth 3Y-0.03%
GM growth 5Y-0.04%
F-Score8
Asset Turnover0.33
Health
Industry RankSector Rank
Debt/Equity 4.1
Debt/FCF 31.52
Debt/EBITDA 6.11
Cap/Depr 91.34%
Cap/Sales 1.49%
Interest Coverage 2.41
Cash Conversion 23.37%
Profit Quality 49.42%
Current Ratio 0.99
Quick Ratio 0.99
Altman-Z 1.21
F-Score8
WACC7.59%
ROIC/WACC1.23
Cap/Depr(3y)80.07%
Cap/Depr(5y)76.11%
Cap/Sales(3y)1.91%
Cap/Sales(5y)2.19%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)117.03%
EPS 3Y17.25%
EPS 5Y7.15%
EPS Q2Q%124.67%
EPS Next Y3.98%
EPS Next 2Y6.19%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)34.37%
Revenue growth 3Y10.66%
Revenue growth 5Y3.43%
Sales Q2Q%78.28%
Revenue Next Year4.62%
Revenue Next 2Y4.55%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y116.87%
EBIT growth 3Y19.3%
EBIT growth 5Y3.55%
EBIT Next Year13.39%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-0.18%
FCF growth 3Y-9.89%
FCF growth 5Y-14.53%
OCF growth 1Y-1.9%
OCF growth 3Y-10.08%
OCF growth 5Y-13.31%

ENCORE CAPITAL GROUP INC / ECPG Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for ENCORE CAPITAL GROUP INC?

ChartMill assigns a fundamental rating of 5 / 10 to ECPG.


Can you provide the valuation status for ENCORE CAPITAL GROUP INC?

ChartMill assigns a valuation rating of 6 / 10 to ENCORE CAPITAL GROUP INC (ECPG). This can be considered as Fairly Valued.


How profitable is ENCORE CAPITAL GROUP INC (ECPG) stock?

ENCORE CAPITAL GROUP INC (ECPG) has a profitability rating of 6 / 10.


Can you provide the PE and PB ratios for ECPG stock?

The Price/Earnings (PE) ratio for ENCORE CAPITAL GROUP INC (ECPG) is 6.21 and the Price/Book (PB) ratio is 1.49.


What is the financial health of ENCORE CAPITAL GROUP INC (ECPG) stock?

The financial health rating of ENCORE CAPITAL GROUP INC (ECPG) is 3 / 10.