(ECPG) Encore Capital - Overview

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US2925541029

Stock: Debt Recovery, Collection Services, Portfolio Management, Credit Servicing

Total Rating 40

Risk 43

Buy Signal 0.93

Credit Services » Consumer Finance
Age: 26.6y

Market Cap: 1,270m
Avg Trading Vol: 8.25M USD

ATR: 2.71%
Peers RS (IBD): 91.89

EPS (Earnings per Share)

EPS CAGR: -21.31%
EPS Trend: -8.3%

Last SUE: -0.93
Qual. Beats: 0

Revenue

Rev. CAGR: 6.99%
Rev. Trend: 19.7%

Last SUE: 0.89
Qual. Beats: 2

Risk 5d forecast
Volatility	32.5%
Relative Tail Risk	-6.91%

Reward TTM
Sharpe Ratio	0.45
Alpha	-6.20

Character TTM
Beta	1.461
Beta Downside	1.501

Drawdowns 3y
Max DD	52.85%
CAGR/Max DD	0.00

Description: ECPG Encore Capital January 21, 2026

Encore Capital Group (NASDAQ: ECPG) is a specialty-finance firm that buys defaulted consumer receivables at a discount, then manages collection and repayment through a mix of early-stage, contingent, and business-process-outsourcing services. Its portfolio management also includes debt-servicing for credit originators and broader credit-management solutions.

Key performance indicators to watch include its net charge-off rate (≈ 5.8% YoY in Q4 2023) and the average discount to face value on purchased portfolios (roughly 30%-35%). The business is highly sensitive to macro-economic factors such as unemployment trends and consumer credit quality, while regulatory developments in debt-collection practices remain a sector-wide driver.

For a deeper dive into ECPG’s valuation metrics and scenario analysis, you might find ValueRay’s analytical tools useful.

Piotroski VR‑10 (Strict, 0-10) 4.0

Net Income: -45.1m TTM > 0 and > 6% of Revenue
FCF/TA: 0.03 > 0.02 and ΔFCF/TA 0.22 > 1.0
NWC/Revenue: -59.96% < 20% (prev 4.61%; Δ -64.58% < -1%)
CFO/TA 0.03 > 3% & CFO 159.9m > Net Income -45.1m
Net Debt (3.76b) to EBITDA (334.4m): 11.25 < 3
Current Ratio: 0.21 > 1.5 & < 3
Outstanding Shares: last quarter (23.5m) vs 12m ago -3.63% < -2%
Gross Margin: 60.96% > 18% (prev 0.51%; Δ 6045 % > 0.5%)
Asset Turnover: 30.45% > 50% (prev 26.60%; Δ 3.86% > 0%)
Interest Coverage Ratio: 1.05 > 6 (EBITDA TTM 334.4m / Interest Expense TTM 287.8m)

Altman Z'' 0.13

A: -0.18 (Total Current Assets 251.2m - Total Current Liabilities 1.19b) / Total Assets 5.26b
B: 0.21 (Retained Earnings 1.08b / Total Assets 5.26b)
C: 0.06 (EBIT TTM 303.6m / Avg Total Assets 5.13b)
D: 0.22 (Book Value of Equity 952.9m / Total Liabilities 4.31b)
Altman-Z'' Score: 0.13 = B

Beneish M -1.59

DSRI: 2.80 (Receivables 36.2m/11.0m, Revenue 1.56b/1.33b)
GMI: 0.84 (GM 60.96% / 51.02%)
AQI: 1.03 (AQ_t 0.93 / AQ_t-1 0.90)
SGI: 1.18 (Revenue 1.56b / 1.33b)
TATA: -0.04 (NI -45.1m - CFO 159.9m) / TA 5.26b)
Beneish M-Score: -1.59 (Cap -4..+1) = CCC

What is the price of ECPG shares?

As of February 08, 2026, the stock is trading at USD 57.75 with a total of 193,588 shares traded.
Over the past week, the price has changed by +4.62%, over one month by +3.03%, over three months by +22.30% and over the past year by +14.90%.

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?

Issuer	Target	Up/Down from current
Wallstreet Target Price	62.7	8.5%
Analysts Target Price	62.7	8.5%
ValueRay Target Price	64.2	11.1%

ECPG Fundamental Data Overview February 03, 2026

P/E Forward = 5.5432
P/S = 0.8138
P/B = 1.292
P/EG = 0.1692
Revenue TTM = 1.56b USD
EBIT TTM = 303.6m USD
EBITDA TTM = 334.4m USD
Long Term Debt = 3.01b USD (from longTermDebt, last quarter)
Short Term Debt = 927.2m USD (from shortTermDebt, last quarter)
Debt = 3.93b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 3.76b USD (from netDebt column, last quarter)
Enterprise Value = 5.03b USD (1.27b + Debt 3.93b - CCE 172.5m)
Interest Coverage Ratio = 1.05 (Ebit TTM 303.6m / Interest Expense TTM 287.8m)
EV/FCF = 38.17x (Enterprise Value 5.03b / FCF TTM 131.8m)
FCF Yield = 2.62% (FCF TTM 131.8m / Enterprise Value 5.03b)
FCF Margin = 8.45% (FCF TTM 131.8m / Revenue TTM 1.56b)
Net Margin = -2.89% (Net Income TTM -45.1m / Revenue TTM 1.56b)
Gross Margin = 60.96% ((Revenue TTM 1.56b - Cost of Revenue TTM 609.3m) / Revenue TTM)
Gross Margin QoQ = 55.75% (prev 73.37%)
Tobins Q-Ratio = 0.96 (Enterprise Value 5.03b / Total Assets 5.26b)
Interest Expense / Debt = 1.79% (Interest Expense 70.5m / Debt 3.93b)
Taxrate = 25.24% (25.2m / 99.9m)
NOPAT = 227.0m (EBIT 303.6m * (1 - 25.24%))
Current Ratio = 0.21 (Total Current Assets 251.2m / Total Current Liabilities 1.19b)
Debt / Equity = 4.13 (Debt 3.93b / totalStockholderEquity, last quarter 952.9m)
Debt / EBITDA = 11.25 (Net Debt 3.76b / EBITDA 334.4m)
Debt / FCF = 28.53 (Net Debt 3.76b / FCF TTM 131.8m)
Total Stockholder Equity = 858.8m (last 4 quarters mean from totalStockholderEquity)
RoA = -0.88% (Net Income -45.1m / Total Assets 5.26b)
RoE = -5.25% (Net Income TTM -45.1m / Total Stockholder Equity 858.8m)
RoCE = 7.86% (EBIT 303.6m / Capital Employed (Equity 858.8m + L.T.Debt 3.01b))
RoIC = 4.83% (NOPAT 227.0m / Invested Capital 4.70b)
WACC = 3.77% (E(1.27b)/V(5.20b) * Re(11.30%) + D(3.93b)/V(5.20b) * Rd(1.79%) * (1-Tc(0.25)))
Discount Rate = 11.30% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.47%
[DCF Debug] Terminal Value 83.79% ; FCFF base≈124.7m ; Y1≈99.9m ; Y5≈67.9m
Fair Price DCF = N/A (negative equity: EV 2.09b - Net Debt 3.76b = -1.67b; debt exceeds intrinsic value)
EPS Correlation: -8.29 | EPS CAGR: -21.31% | SUE: -0.93 | # QB: 0
Revenue Correlation: 19.67 | Revenue CAGR: 6.99% | SUE: 0.89 | # QB: 2
EPS next Quarter (2026-03-31): EPS=1.79 | Chg30d=+0.000 | Revisions Net=+2 | Analysts=2
EPS next Year (2026-12-31): EPS=8.09 | Chg30d=+0.000 | Revisions Net=+2 | Growth EPS=-13.9% | Growth Revenue=+2.4%

Additional Sources for ECPG Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Fund Manager Positions: Dataroma | Stockcircle