ENCORE CAPITAL GROUP INC (ECPG) Stock Fundamental Analysis

NASDAQ:ECPG • US2925541029

59.17 USD
+1.15 (+1.98%)
At close: Feb 25, 2026
61.67 USD
+2.5 (+4.23%)
After Hours: 2/25/2026, 8:06:36 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall ECPG gets a fundamental rating of 3 out of 10. We evaluated ECPG against 54 industry peers in the Consumer Finance industry. ECPG has a medium profitability rating, but doesn't score so well on its financial health evaluation. ECPG is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year ECPG was profitable.
  • In the past year ECPG had a positive cash flow from operations.
  • The reported net income has been mixed in the past 5 years: ECPG reported negative net income in multiple years.
  • ECPG had a positive operating cash flow in 4 of the past 5 years.
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 0 200M -200M 400M

1.2 Ratios

  • ECPG has a Return On Assets of -0.86%. This is amonst the worse of the industry: ECPG underperforms 87.04% of its industry peers.
  • Looking at the Return On Equity, with a value of -4.74%, ECPG is doing worse than 85.19% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 6.93%, ECPG is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for ECPG is significantly below the industry average of 12.20%.
  • The 3 year average ROIC (5.57%) for ECPG is below the current ROIC(6.93%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA -0.86%
ROE -4.74%
ROIC 6.93%
ROA(3y)-1.02%
ROA(5y)1.78%
ROE(3y)-7.9%
ROE(5y)4.66%
ROIC(3y)5.57%
ROIC(5y)6.77%
ECPG Yearly ROA, ROE, ROICECPG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20

1.3 Margins

  • Looking at the Operating Margin, with a value of 28.07%, ECPG is in the better half of the industry, outperforming 75.93% of the companies in the same industry.
  • In the last couple of years the Operating Margin of ECPG has declined.
  • ECPG has a better Gross Margin (79.06%) than 70.37% of its industry peers.
  • ECPG's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 28.07%
PM (TTM) N/A
GM 79.06%
OM growth 3Y-11.86%
OM growth 5Y-8.47%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.31%
GM growth 5Y-0.74%
ECPG Yearly Profit, Operating, Gross MarginsECPG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ECPG is destroying value.
  • ECPG has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
ECPG Yearly Shares OutstandingECPG Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 1B 2B 3B 4B

2.2 Solvency

  • Based on the Altman-Z score of 1.04, we must say that ECPG is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 1.04, ECPG is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
  • The Debt to FCF ratio of ECPG is 29.98, which is on the high side as it means it would take ECPG, 29.98 years of fcf income to pay off all of its debts.
  • ECPG's Debt to FCF ratio of 29.98 is in line compared to the rest of the industry. ECPG outperforms 46.30% of its industry peers.
  • A Debt/Equity ratio of 4.13 is on the high side and indicates that ECPG has dependencies on debt financing.
  • ECPG has a Debt to Equity ratio (4.13) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 4.13
Debt/FCF 29.98
Altman-Z 1.04
ROIC/WACC0.94
WACC7.39%
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 1B 2B 3B

2.3 Liquidity

  • A Current Ratio of 0.93 indicates that ECPG may have some problems paying its short term obligations.
  • ECPG has a Current ratio of 0.93. This is comparable to the rest of the industry: ECPG outperforms 44.44% of its industry peers.
  • ECPG has a Quick Ratio of 0.93. 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 (0.93) which is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 0.93
Quick Ratio 0.93
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 100M 200M 300M

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

2

3. Growth

3.1 Past

  • ECPG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 117.03%, which is quite impressive.
  • The Earnings Per Share has been growing slightly by 7.15% on average over the past years.
EPS 1Y (TTM)117.03%
EPS 3Y17.25%
EPS 5Y7.15%
EPS Q2Q%124.67%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%78.28%

3.2 Future

  • ECPG is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -50.53% yearly.
  • ECPG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.09% yearly.
EPS Next Y-16.31%
EPS Next 2Y-50.53%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.34%
Revenue Next 2Y3.09%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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

5

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 5.40, the valuation of ECPG can be described as very cheap.
  • Compared to the rest of the industry, the Price/Earnings ratio of ECPG indicates a somewhat cheap valuation: ECPG is cheaper than 74.07% of the companies listed in the same industry.
  • ECPG is valuated cheaply when we compare the Price/Earnings ratio to 27.05, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 6.45, the valuation of ECPG can be described as very cheap.
  • 77.78% of the companies in the same industry are more expensive than ECPG, based on the Price/Forward Earnings ratio.
  • ECPG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.03.
Industry RankSector Rank
PE 5.4
Fwd PE 6.45
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 64.81% of the companies listed in the same industry.
  • ECPG's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 10.06
EV/EBITDA 10.82
ECPG Per share dataECPG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • A cheap valuation may be justified as ECPG's earnings are expected to decrease with -50.53% in the coming years.
PEG (NY)N/A
PEG (5Y)0.76
EPS Next 2Y-50.53%
EPS Next 3YN/A

More info and screens

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

0

5. Dividend

5.1 Amount

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

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Find the best dividend stocksShow peers with best dividend

ENCORE CAPITAL GROUP INC

NASDAQ:ECPG (2/25/2026, 8:06:36 PM)

After market: 61.67 +2.5 (+4.23%)

59.17

+1.15 (+1.98%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-25
Earnings (Next)05-05
Inst Owners108.51%
Inst Owner Change-4.83%
Ins Owners3.06%
Ins Owner Change-0.74%
Market Cap1.32B
Revenue(TTM)N/A
Net Income(TTM)-45.13M
Analysts81.82
Price Target69.36 (17.22%)
Short Float %4.87%
Short Ratio5.39
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)70.35%
Min EPS beat(2)68.54%
Max EPS beat(2)72.16%
EPS beat(4)3
Avg EPS beat(4)48.33%
Min EPS beat(4)-3.25%
Max EPS beat(4)72.16%
EPS beat(8)4
Avg EPS beat(8)22.59%
EPS beat(12)4
Avg EPS beat(12)-18.62%
EPS beat(16)7
Avg EPS beat(16)-1.25%
Revenue beat(2)2
Avg Revenue beat(2)11.47%
Min Revenue beat(2)9.89%
Max Revenue beat(2)13.05%
Revenue beat(4)3
Avg Revenue beat(4)-1.17%
Min Revenue beat(4)-30.44%
Max Revenue beat(4)13.05%
Revenue beat(8)4
Avg Revenue beat(8)-2.67%
Revenue beat(12)4
Avg Revenue beat(12)-4.54%
Revenue beat(16)4
Avg Revenue beat(16)-4.99%
PT rev (1m)12.86%
PT rev (3m)12.86%
EPS NQ rev (1m)-3.52%
EPS NQ rev (3m)2.12%
EPS NY rev (1m)-0.78%
EPS NY rev (3m)17.88%
Revenue NQ rev (1m)-0.22%
Revenue NQ rev (3m)1.25%
Revenue NY rev (1m)-0.06%
Revenue NY rev (3m)4.35%
Valuation
Industry RankSector Rank
PE 5.4
Fwd PE 6.45
P/S 0.85
P/FCF 10.06
P/OCF 8.27
P/B 1.38
P/tB 3.16
EV/EBITDA 10.82
EPS(TTM)10.96
EY18.52%
EPS(NY)9.17
Fwd EY15.5%
FCF(TTM)5.88
FCFY9.94%
OCF(TTM)7.15
OCFY12.09%
SpS69.99
BVpS42.73
TBVpS18.71
PEG (NY)N/A
PEG (5Y)0.76
Graham Number102.65
Profitability
Industry RankSector Rank
ROA -0.86%
ROE -4.74%
ROCE 8.77%
ROIC 6.93%
ROICexc 7.17%
ROICexgc 8.19%
OM 28.07%
PM (TTM) N/A
GM 79.06%
FCFM 8.41%
ROA(3y)-1.02%
ROA(5y)1.78%
ROE(3y)-7.9%
ROE(5y)4.66%
ROIC(3y)5.57%
ROIC(5y)6.77%
ROICexc(3y)5.79%
ROICexc(5y)7.05%
ROICexgc(3y)7.27%
ROICexgc(5y)9.12%
ROCE(3y)7.06%
ROCE(5y)8.57%
ROICexgc growth 3Y-19.09%
ROICexgc growth 5Y-10.87%
ROICexc growth 3Y-15.2%
ROICexc growth 5Y-9.09%
OM growth 3Y-11.86%
OM growth 5Y-8.47%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.31%
GM growth 5Y-0.74%
F-Score5
Asset Turnover0.3
Health
Industry RankSector Rank
Debt/Equity 4.13
Debt/FCF 29.98
Debt/EBITDA 8.38
Cap/Depr 90.68%
Cap/Sales 1.82%
Interest Coverage 1.79
Cash Conversion 33.99%
Profit Quality N/A
Current Ratio 0.93
Quick Ratio 0.93
Altman-Z 1.04
F-Score5
WACC7.39%
ROIC/WACC0.94
Cap/Depr(3y)74.18%
Cap/Depr(5y)74.01%
Cap/Sales(3y)2.36%
Cap/Sales(5y)2.35%
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 Y-16.31%
EPS Next 2Y-50.53%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%78.28%
Revenue Next Year2.34%
Revenue Next 2Y3.09%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y27.49%
EBIT growth 3Y-13.97%
EBIT growth 5Y-9.56%
EBIT Next Year54.72%
EBIT Next 3Y17.81%
EBIT Next 5YN/A
FCF growth 1Y-5.67%
FCF growth 3Y-22.17%
FCF growth 5Y-9.12%
OCF growth 1Y-7.23%
OCF growth 3Y-19.83%
OCF growth 5Y-8.59%

ENCORE CAPITAL GROUP INC / ECPG FAQ

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

ChartMill assigns a fundamental rating of 3 / 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 4 / 10.


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

The Price/Earnings (PE) ratio for ENCORE CAPITAL GROUP INC (ECPG) is 5.4 and the Price/Book (PB) ratio is 1.38.


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

The financial health rating of ENCORE CAPITAL GROUP INC (ECPG) is 2 / 10.