(ECPG) Encore Capital - Overview

Sector: Financial Services | Industry: Credit Services | Exchange: NASDAQ (USA) | Market Cap: 1.587m USD | Total Return: 148.8% in 12m

Debt Recovery, Financial Management, Collection Services, Loan Servicing
Total Rating 64
Safety 73
Buy Signal 1.67
Credit Services
Industry Rotation: +2.9
Market Cap: 1.59B
Avg Turnover: 16.6M USD
ATR: 3.26%
Peers RS (IBD): 98.3
Risk 5d forecast
Volatility33.8%
Rel. Tail Risk-9.12%
Reward TTM
Sharpe Ratio1.95
Alpha83.98
Character TTM
Beta1.585
Beta Downside2.020
Drawdowns 3y
Max DD49.94%
CAGR/Max DD0.25
EPS (Earnings per Share) EPS (Earnings per Share) of ECPG over the last years for every Quarter: "2021-03": 3.02, "2021-06": 3.31, "2021-09": 2.66, "2021-12": 2.53, "2022-03": 6.4, "2022-06": 2.29, "2022-09": 1.22, "2022-12": -3.11, "2023-03": 0.75, "2023-06": 1.08, "2023-09": 0.79, "2023-12": -0.58, "2024-03": 0.95, "2024-06": 1.34, "2024-09": 1.26, "2024-12": -4.2631, "2025-03": 1.9361, "2025-06": 2.49, "2025-09": 3.17, "2025-12": 3.4813, "2026-03": 0,
EPS CAGR: -10.58%
EPS Trend: 18.5%
Last SUE: -0.97
Qual. Beats: 0
Revenue Revenue of ECPG over the last years for every Quarter: 2021-03: 416.837, 2021-06: 427.735, 2021-09: 412.624, 2021-12: 357.303, 2022-03: 499.682, 2022-06: 356.917, 2022-09: 307.752, 2022-12: 233.996, 2023-03: 312.63, 2023-06: 323.044, 2023-09: 309.619, 2023-12: 277.387, 2024-03: 328.386, 2024-06: 355.285, 2024-09: 367.071, 2024-12: 265.619, 2025-03: 392.775, 2025-06: 442.122, 2025-09: 460.353, 2025-12: 473.552, 2026-03: null,
Rev. CAGR: -1.42%
Rev. Trend: 36.2%
Last SUE: 0.78
Qual. Beats: 0

Warnings

No concerns identified

Tailwinds

Supp Ema20 Confidence

Description: ECPG Encore Capital

Encore Capital Group, Inc. (ECPG) is a specialty finance company focused on debt recovery. The company acquires portfolios of defaulted consumer receivables below their face value. This business model is common in the debt collection industry, where companies buy distressed debt for a fraction of its original worth, aiming to collect a higher amount over time.

ECPG also provides debt servicing, including early-stage collection and business process outsourcing. Additionally, it offers portfolio management services for non-performing loans to credit originators and provides credit management services. Further analysis on ValueRay can provide deeper insights into ECPGs operational efficiency and market position within the consumer finance sector.

Headlines to Watch Out For
  • Defaulted consumer receivables purchases drive revenue
  • Global consumer debt levels impact portfolio availability
  • Interest rate fluctuations affect funding costs
  • Regulatory changes in debt collection pose compliance risks
  • Economic downturns increase demand for debt recovery services
Piotroski VR‑10 (Strict) 3.0
Net Income: 256.8m TTM > 0 and > 6% of Revenue
FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.27 > 1.0
NWC/Revenue: 10.78% < 20% (prev 0.94%; Δ 9.85% < -1%)
CFO/TA 0.03 > 3% & CFO 153.2m > Net Income 256.8m
Net Debt (3.98b) to EBITDA (650.6m): 6.11 < 3
Current Ratio: 595.1 > 1.5 & < 3
Outstanding Shares: last quarter (22.8m) vs 12m ago -4.60% < -2%
Gross Margin: 74.09% > 18% (prev 0.49%; Δ 7.36k% > 0.5%)
Asset Turnover: 34.92% > 50% (prev 27.48%; Δ 7.44% > 0%)
Interest Coverage Ratio: 2.19 > 6 (EBITDA TTM 650.6m / Interest Expense TTM 283.5m)
Altman Z'' 1.97
A: 0.04 (Total Current Assets 191.0m - Total Current Liabilities 321k) / Total Assets 5.34b
B: 0.21 (Retained Earnings 1.10b / Total Assets 5.34b)
C: 0.12 (EBIT TTM 621.8m / Avg Total Assets 5.06b)
D: 0.22 (Book Value of Equity 976.8m / Total Liabilities 4.36b)
Altman-Z'' Score: 1.97 = BBB
Beneish M -2.77
DSRI: 1.34 (Receivables 34.2m/19.0m, Revenue 1.77b/1.32b)
GMI: 0.66 (GM 74.09% / 49.11%)
AQI: 1.02 (AQ_t 0.94 / AQ_t-1 0.92)
SGI: 1.34 (Revenue 1.77b / 1.32b)
TATA: 0.02 (NI 256.8m - CFO 153.2m) / TA 5.34b)
Beneish M-Score: -2.77 (Cap -4..+1) = A
What is the price of ECPG shares? As of April 08, 2026, the stock is trading at USD 73.76 with a total of 351,090 shares traded.
Over the past week, the price has changed by +5.19%, over one month by +8.17%, over three months by +30.16% and over the past year by +148.77%.
Is ECPG a buy, sell or hold? Encore Capital has received a consensus analysts rating of 4.40. Therefore, it is recommended to buy ECPG.
  • StrongBuy: 3
  • Buy: 1
  • Hold: 1
  • Sell: 0
  • StrongSell: 0
What are the forecasts/targets for the ECPG price?
Analysts Target Price 82.7 12.1%
Encore Capital (ECPG) - Fundamental Data Overview as of 04 April 2026
P/E Trailing = 6.5206
P/E Forward = 5.5432
P/S = 0.897
P/B = 1.5552
P/EG = 0.1692
Revenue TTM = 1.77b USD
EBIT TTM = 621.8m USD
EBITDA TTM = 650.6m USD
Long Term Debt = 4.00b USD (from longTermDebt, last quarter)
Short Term Debt = 321k USD (from shortTermDebt, last quarter)
Debt = 4.13b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 3.98b USD (from netDebt column, last quarter)
Enterprise Value = 5.56b USD (1.59b + Debt 4.13b - CCE 156.8m)
Interest Coverage Ratio = 2.19 (Ebit TTM 621.8m / Interest Expense TTM 283.5m)
EV/FCF = 43.82x (Enterprise Value 5.56b / FCF TTM 126.9m)
FCF Yield = 2.28% (FCF TTM 126.9m / Enterprise Value 5.56b)
FCF Margin = 7.18% (FCF TTM 126.9m / Revenue TTM 1.77b)
Net Margin = 14.52% (Net Income TTM 256.8m / Revenue TTM 1.77b)
Gross Margin = 74.09% ((Revenue TTM 1.77b - Cost of Revenue TTM 458.2m) / Revenue TTM)
Gross Margin QoQ = 93.49% (prev 55.75%)
Tobins Q-Ratio = 1.04 (Enterprise Value 5.56b / Total Assets 5.34b)
Interest Expense / Debt = 1.82% (Interest Expense 75.2m / Debt 4.13b)
Taxrate = 21.63% (21.2m / 97.8m)
NOPAT = 487.3m (EBIT 621.8m * (1 - 21.63%))
 Current Ratio = 595.1 (out of range, set to none) (Total Current Assets 191.0m / Total Current Liabilities 321k)
 Debt / Equity = 4.23 (Debt 4.13b / totalStockholderEquity, last quarter 976.8m)
Debt / EBITDA = 6.11 (Net Debt 3.98b / EBITDA 650.6m)
Debt / FCF = 31.32 (Net Debt 3.98b / FCF TTM 126.9m)
Total Stockholder Equity = 911.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 5.07% (Net Income 256.8m / Total Assets 5.34b)
RoE = 28.19% (Net Income TTM 256.8m / Total Stockholder Equity 911.2m)
RoCE = 12.66% (EBIT 621.8m / Capital Employed (Equity 911.2m + L.T.Debt 4.00b))
RoIC = 10.08% (NOPAT 487.3m / Invested Capital 4.83b)
WACC = 4.24% (E(1.59b)/V(5.72b) * Re(11.56%) + D(4.13b)/V(5.72b) * Rd(1.82%) * (1-Tc(0.22)))
Discount Rate = 11.56% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -2.05%
[DCF] Terminal Value 84.41% ; FCFF base≈126.9m ; Y1≈106.8m ; Y5≈80.1m
 [DCF] Fair Price = N/A (negative equity: EV 2.44b - Net Debt 3.98b = -1.54b; debt exceeds intrinsic value)
 EPS Correlation: 18.47 | EPS CAGR: -10.58% | SUE: -0.97 | # QB: 0
Revenue Correlation: 36.16 | Revenue CAGR: -1.42% | SUE: 0.78 | # QB: 0
EPS next Quarter (2026-06-30): EPS=2.70 | Chg7d=+0.985 | Chg30d=+0.985 | Revisions Net=+2 | Analysts=2
EPS current Year (2026-12-31): EPS=11.85 | Chg7d=+3.760 | Chg30d=+3.760 | Revisions Net=+2 | Growth EPS=+7.0% | Growth Revenue=+2.5%
EPS next Year (2027-12-31): EPS=13.36 | Chg7d=+2.705 | Chg30d=+2.705 | Revisions Net=+1 | Growth EPS=+12.8% | Growth Revenue=+4.8%
[Analyst] Revisions Ratio: +1.00 (2 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -3.8% (Discount Rate 11.6% - Earnings Yield 15.3%)
[Growth] Growth Spread = +6.0% (Analyst 2.3% - Implied -3.8%)
External Resources
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