ENCORE CAPITAL GROUP INC (ECPG) Stock Fundamental Analysis

NASDAQ:ECPG • US2925541029

63.94 USD
+4.77 (+8.06%)
At close: Feb 26, 2026
63.94 USD
0 (0%)
After Hours: 2/26/2026, 4:30:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, ECPG scores 3 out of 10 in our fundamental rating. ECPG was compared to 54 industry peers in the Consumer Finance industry. There are concerns on the financial health of ECPG while its profitability can be described as average. ECPG has a valuation in line with the averages, but on the other hand it scores bad on growth.


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.
  • ECPG has a Return On Equity of -4.74%. This is amonst the worse of the industry: ECPG underperforms 85.19% of its industry peers.
  • ECPG's Return On Invested Capital of 6.93% is fine compared to the rest of the industry. ECPG outperforms 66.67% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital 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

  • ECPG has a Operating Margin of 28.07%. This is in the better half of the industry: ECPG outperforms 75.93% of its industry peers.
  • ECPG's Operating Margin has declined in the last couple of years.
  • The Gross Margin of ECPG (79.06%) is better than 70.37% of its industry peers.
  • In the last couple of years the Gross Margin of ECPG has remained more or less at the same level.
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • ECPG has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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.
  • The Altman-Z score of ECPG (1.04) is better than 66.67% of its industry peers.
  • ECPG has a debt to FCF ratio of 29.98. This is a negative value and a sign of low solvency as ECPG would need 29.98 years to pay back of 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.
  • ECPG has a Debt/Equity ratio of 4.13. This is a high value indicating a heavy dependency on external 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
WACC7.4%
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 (0.93) which is in line with its industry peers.
  • A Quick Ratio of 0.93 indicates that ECPG may have some problems paying its short term obligations.
  • ECPG's Quick ratio of 0.93 is in line compared to the rest of the industry. ECPG outperforms 44.44% of its industry peers.
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

More info and screens

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

2

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 117.03% over the past year.
  • 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

  • The Earnings Per Share is expected to decrease by -50.53% on average over the next years. This is quite bad
  • The Revenue is expected to grow by 3.09% on average over the next years.
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

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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

5

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 5.83 indicates a rather cheap valuation of ECPG.
  • 74.07% of the companies in the same industry are more expensive than ECPG, based on the Price/Earnings ratio.
  • 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 6.97, the valuation of ECPG can be described as very cheap.
  • ECPG's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ECPG is cheaper than 77.78% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.03. ECPG is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 5.83
Fwd PE 6.97
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 is on the same level as the industry average.
Industry RankSector Rank
P/FCF 10.87
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

  • ECPG's earnings are expected to decrease with -50.53% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.82
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%

More info and screens

Find the best dividend stocksShow peers with best dividend

ENCORE CAPITAL GROUP INC

NASDAQ:ECPG (2/26/2026, 4:30:02 PM)

After market: 63.94 0 (0%)

63.94

+4.77 (+8.06%)

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 Cap1.43B
Revenue(TTM)N/A
Net Income(TTM)-45.13M
Analysts81.82
Price Target69.36 (8.48%)
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 5.83
Fwd PE 6.97
P/S 0.91
P/FCF 10.87
P/OCF 8.94
P/B 1.5
P/tB 3.42
EV/EBITDA 10.82
EPS(TTM)10.96
EY17.14%
EPS(NY)9.17
Fwd EY14.35%
FCF(TTM)5.88
FCFY9.2%
OCF(TTM)7.15
OCFY11.19%
SpS69.99
BVpS42.73
TBVpS18.71
PEG (NY)N/A
PEG (5Y)0.82
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
WACC7.4%
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 5 / 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 5.83 and the Price/Book (PB) ratio is 1.5.


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.