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Encore Capital Group, Inc.

Data quality: 100%
ECPG
NASDAQ Financial Services Financial - Mortgages
$70.98
▲ $0.82 (1.17%)
Mkt Cap: 1.58B
Day Range
$69.49 $71.13
52-Week Range
$26.45 $74.58
Volume
276,702
50D / 200D Avg
$60.67 / $48.34
Prev Close
$70.16

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (854 peers)

Metric Stock Sector Median
P/E 6.2 10.3
P/B 1.6 1.1
ROE % 29.5 11.7
Net Margin % 14.6 16.8
Rev Growth 5Y % 2.2 11.6
D/E 4.2 0.5

Analyst Price Target

Hold
$70.00 -1.4%
Forward P/E
5.9
Forward EPS
$11.98
EPS Growth (est.)
+0.0%
Est. Revenue
1.8 B

Earnings Estimates

Period EPS Est. Revenue Est. Analysts
FY2027 $13.02
$12.51 – $13.53
 1.9 B 2
FY2026 $11.98
$11.71 – $12.23
 1.8 B 2

Key Takeaways

Revenue grew 2.22% annually over 5 years — modest growth
ROE of 29.45% indicates high profitability
Debt/Equity of 4.23 — high leverage
Generating 126.93M in free cash flow
P/E of 6.16 — trading at a low valuation
Revenue growth is accelerating — 1Y growth exceeds 5Y average by 31.67%

Growth

Revenue Growth (5Y)
2.22%
Revenue (1Y)33.89%
Earnings (1Y)N/A
FCF Growth (3Y)11.95%

Quality

Return on Equity
29.45%
ROIC9.15%
Net Margin14.57%
Op. Margin35.38%

Safety

Debt / Equity
4.23
Current Ratio595.09
Interest Coverage2.17

Valuation

P/E Ratio
6.16
P/B Ratio1.62
EV/EBITDA8.91
Dividend Yield0.00%

All Fundamental Metrics

Growth
Revenue Growth (1Y) 33.89% Revenue Growth (3Y) 20.06%
Earnings Growth (1Y) N/A Earnings Growth (3Y) N/A
Revenue Growth (5Y) 2.22% Earnings Growth (5Y) -7.50%
Profitability
Revenue (TTM) 1.76B Net Income (TTM) 256.83M
ROE 29.45% ROA 4.81%
Gross Margin 68.98% Operating Margin 35.38%
Net Margin 14.57% Free Cash Flow (TTM) 126.93M
ROIC 9.15% FCF Growth (3Y) 11.95%
Safety
Debt / Equity 4.23 Current Ratio 595.09
Interest Coverage 2.17 Dividend Yield 0.00%
Valuation
P/E Ratio 6.16 P/B Ratio 1.62
P/S Ratio 0.90 PEG Ratio -0.02
EV/EBITDA 8.91 Dividend Yield 0.00%
Market Cap 1.58B Enterprise Value 5.56B

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 1.76B 1.32B 1.22B 1.40B 1.61B
Net Income 256.83M -139.24M -206.49M 194.56M 350.78M
EPS (Diluted) 10.91 -5.83 -8.72 7.46 11.26
Gross Profit 1.22B 603.56M 571.24M 769.70M 927.98M
Operating Income 623.56M 157.33M 16.54M 462.17M 633.27M

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 5.34B 4.79B 4.63B 4.51B 4.61B
Total Liabilities 4.36B 4.02B 3.69B 3.33B 3.42B
Shareholders' Equity 976.75M 767.33M 936.54M 1.18B 1.19B
Total Debt 4.13B 3.67B 3.32B 2.90B 3.00B
Cash & Equivalents 156.78M 199.87M 158.36M 143.91M 189.65M
Current Assets 191.03M 245.87M 209.09M 208.64M 258.51M
Current Liabilities 321,000.0 233.55M 219.24M 266.61M 743.69M

Strategy Scores

This stock passed the criteria for 2 strategies

Score = fit strength (0–100)
Rank = position among all matches
Growth Price/Sales Ratio Focus (Ken Fisher)
#208 of 618
46
Custom Contrarian Investing (David Dreman)
#61 of 670
67

Recent Activity

Entered Price/Sales Ratio Focus (Ken Fisher)
Mar 24, 2026
Entered Contrarian Investing (David Dreman)
Mar 24, 2026