ENCORE CAPITAL GROUP INC (ECPG) Fundamental Analysis & Valuation

NASDAQ:ECPG • US2925541029

Current stock price

68.87 USD
-1.83 (-2.59%)
At close:
68.87 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.
  • In the past year ECPG had a positive cash flow from operations.
  • In multiple years ECPG reported negative net income over the last 5 years.
  • ECPG had a positive operating cash flow in each 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 2025 0 200M -200M 400M 600M

1.2 Ratios

  • The Return On Assets of ECPG (4.81%) is better than 64.81% of its industry peers.
  • ECPG's Return On Equity of 26.29% is fine compared to the rest of the industry. ECPG outperforms 77.78% of its industry peers.
  • The Return On Invested Capital of ECPG (9.37%) is better than 74.07% of its industry peers.
  • ECPG had an Average Return On Invested Capital over the past 3 years of 6.33%. This is significantly below the industry average of 12.12%.
  • The 3 year average ROIC (6.33%) for ECPG is below the current ROIC(9.37%), indicating increased profibility in the last year.
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

  • ECPG has a better Profit Margin (14.52%) than 62.96% of its industry peers.
  • ECPG's Profit Margin has been stable in the last couple of years.
  • ECPG's Operating Margin of 35.43% is amongst the best of the industry. ECPG outperforms 88.89% of its industry peers.
  • ECPG's Operating Margin has been stable in the last couple of years.
  • Looking at the Gross Margin, with a value of 80.51%, 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 Gross Margin of ECPG has remained more or less at the same level.
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. ECPG Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so ECPG is still creating some value.
  • The number of shares outstanding for ECPG has been reduced compared to 1 year ago.
  • Compared to 5 years ago, ECPG has less shares outstanding
  • ECPG has a better debt/assets ratio than last year.
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.
  • ECPG's Altman-Z score of 1.21 is fine compared to the rest of the industry. ECPG outperforms 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 in line with its industry peers.
  • ECPG has a Debt/Equity ratio of 4.10. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 4.10, ECPG is doing worse than 61.11% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 4.1
Debt/FCF 31.52
Altman-Z 1.21
ROIC/WACC1.22
WACC7.65%
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.
  • The Current ratio of ECPG (0.99) is comparable to the rest of the industry.
  • 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's Quick ratio of 0.99 is in line compared 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.
  • The Revenue has grown by 34.37% in the past year. This is a very strong growth!
  • 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

  • The Earnings Per Share is expected to grow by 6.19% on average over the next years.
  • ECPG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.15% yearly.
EPS Next Y3.98%
EPS Next 2Y6.19%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.54%
Revenue Next 2Y5.15%
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 stable.
  • 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

More info and screens

Find the best growth stocksShow best growing peers

6

4. ECPG Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 6.28, 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 66.67% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 24.88. ECPG is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 6.04, the valuation of ECPG can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of ECPG indicates a somewhat cheap valuation: ECPG is cheaper than 77.78% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.19, ECPG is valued rather cheaply.
Industry RankSector Rank
PE 6.28
Fwd PE 6.04
ECPG Price Earnings VS Forward Price EarningsECPG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • 77.78% of the companies in the same industry are more expensive than ECPG, based on the Enterprise Value to EBITDA ratio.
  • ECPG's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 11.62
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

  • ECPG's 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)1.58
PEG (5Y)0.88
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

  • No dividends for ECPG!.
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 (3/27/2026, 8:13:16 PM)

After market: 68.87 0 (0%)

68.87

-1.83 (-2.59%)

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 Change2.56%
Market Cap1.47B
Revenue(TTM)1.77B
Net Income(TTM)256.83M
Analysts80
Price Target84.32 (22.43%)
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)21.57%
PT rev (3m)37.21%
EPS NQ rev (1m)36.02%
EPS NQ rev (3m)32.65%
EPS NY rev (1m)24.24%
EPS NY rev (3m)20.42%
Revenue NQ rev (1m)3.35%
Revenue NQ rev (3m)3.35%
Revenue NY rev (1m)3.12%
Revenue NY rev (3m)2.84%
Valuation
Industry RankSector Rank
PE 6.28
Fwd PE 6.04
P/S 0.83
P/FCF 11.62
P/OCF 9.62
P/B 1.51
P/tB 3.35
EV/EBITDA 8.12
EPS(TTM)10.96
EY15.91%
EPS(NY)11.4
Fwd EY16.55%
FCF(TTM)5.93
FCFY8.61%
OCF(TTM)7.16
OCFY10.39%
SpS82.62
BVpS45.62
TBVpS20.57
PEG (NY)1.58
PEG (5Y)0.88
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
WACC7.65%
ROIC/WACC1.22
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 Year5.54%
Revenue Next 2Y5.15%
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 6.28 and the Price/Book (PB) ratio is 1.51.


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.