Encore Capital Group, Inc. (ECPG)

Price$78.56

Value ScoreC

Growth ScoreC

Momentum ScoreB

Favorite Metrics

Price vs S&P 500 (26W)51.57%

Price vs S&P 500 (4W)-9.02%

VGM Score61.64

Market Capitalization$1.72B

P/E Ratio (Annual)6.70x

All Metrics

P/CF (Annual)11.23x

Book Value / Share (Quarterly)$48.13

P/TBV (Annual)1.47x

Indicated Dividend (Annual)$0.00

Revenue Growth (3Y)10.66%

Cash Flow / Share (Quarterly)$7.73

Price vs S&P 500 (YTD)36.13%

Gross Margin (TTM)80.26%

Net Profit Margin (TTM)16.00%

EPS (TTM)$12.90

10-Day Avg Trading Volume0.29M

EPS Excl Extra (TTM)$12.90

Revenue Growth (5Y)3.43%

EPS (Annual)$10.91

ROI (Annual)5.16%

Gross Margin (Annual)80.51%

Net Profit Margin (5Y Avg)5.56%

Cash / Share (Quarterly)$10.57

P/E Basic Excl Extra (TTM)5.81x

Revenue Growth QoQ (YoY)21.04%

EPS Growth (5Y)10.31%

P/E Normalized (Annual)6.70x

ROA (Last FY)4.81%

Revenue Growth TTM (YoY)34.09%

EBITD / Share (TTM)$30.72

ROE (5Y Avg)6.44%

Operating Margin (TTM)36.71%

Cash Flow / Share (Annual)$5.85

P/B Ratio1.66x

P/B Ratio (Quarterly)1.45x

Net Income / Employee (Annual)$34,900

EV / Revenue (TTM)2.99x

Net Interest Coverage (TTM)2.14x

ROA (TTM)5.58%

EPS Growth QoQ (YoY)100.39%

EV / EBITDA (TTM)7.81x

EPS Incl Extra (Annual)$10.91

Current Ratio (Annual)0.77x

Quick Ratio (Quarterly)1.02x

3-Month Avg Trading Volume0.30M

52-Week Price Return108.53%

EV / Free Cash Flow (Annual)43.54x

P/E Incl Extra (TTM)5.81x

Revenue / Employee (TTM)$251,900

Tangible BV / Share (Quarterly)$32.39

P/S Ratio (Annual)0.97x

Asset Turnover (Annual)0.33x

52-Week High$92.64

Operating Margin (5Y Avg)25.49%

EPS Excl Extra (Annual)$10.91

CapEx CAGR (5Y)-5.36%

Tangible BV CAGR (5Y)-4.60%

26-Week Price Return67.50%

Quick Ratio (Annual)0.65x

13-Week Price Return25.01%

Total Debt / Equity (Annual)4.10x

Current Ratio (Quarterly)1.18x

Enterprise Value$5.53B

Revenue / Share Growth (5Y)9.78%

Asset Turnover (TTM)0.35x

Book Value / Share Growth (5Y)2.97%

Revenue / Employee (Annual)$240,700

Pretax Margin (Annual)19.00%

Cash / Share (Annual)$7.23

3-Month Return Std Dev33.44%

Gross Margin (5Y Avg)78.31%

Net Income / Employee (TTM)$40,300

EBITDA CAGR (5Y)4.08%

EBITDA Interim CAGR (5Y)1.20%

ROE (Last FY)26.29%

Net Interest Coverage (Annual)2.31x

EPS Basic Excl Extra (Annual)$10.91

P/FCF (TTM)10.36x

Receivables Turnover (TTM)3.74x

EV / Free Cash Flow (TTM)33.27x

Total Debt / Equity (Quarterly)3.90x

EPS Incl Extra (TTM)$12.90

Receivables Turnover (Annual)4.42x

ROI (TTM)5.99%

P/S Ratio (TTM)0.93x

Pretax Margin (5Y Avg)10.51%

Revenue / Share (Annual)$75.16

Tangible BV / Share (Annual)$32.39

Forward P/E6.10x

Free OCF CAGR (5Y)-14.53%

Price vs S&P 500 (52W)80.33%

P/E Ratio (TTM)5.81x

Year-to-Date Return47.07%

5-Day Price Return-0.34%

EPS Normalized (Annual)$10.91

ROA (5Y Avg)1.87%

Net Profit Margin (Annual)14.52%

Month-to-Date Return-3.43%

Cash Flow / Share (TTM)$1.62

EBITD / Share (Annual)$27.78

EPS Growth (3Y)13.54%

Operating Margin (Annual)35.34%

LT Debt / Equity (Annual)4.10x

P/CF (TTM)9.05x

ROI (5Y Avg)2.07%

P/E Excl Extra (TTM)5.81x

LT Debt / Equity (Quarterly)3.90x

EPS Basic Excl Extra (TTM)$12.90

P/TBV (Quarterly)1.47x

P/B Ratio (Annual)1.24x

Pretax Margin (TTM)20.93%

Book Value / Share (Annual)$45.04

Price vs S&P 500 (13W)15.26%

Net Margin Growth (5Y)0.49%

Beta1.31x

P/FCF (Annual)13.56x

Revenue / Share (TTM)$82.95

ROE (TTM)30.70%

52-Week Low$35.67

vGradeC

gGradeC

mGradeB

vgmGradeB

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Earnings Surprise History

Q1 263.86est. 3.05

Analyst Recommendations

Feb 2026

Mar 2026

Apr 2026

May 2026

4.09

4.00

Industry Peers — Short-Term Business Credit(4)

Symbol	Value Score	Growth Score	Momentum Score	Price
ECPGEncore Capital Group, Inc.	C	C	B	$78.56
JCAPJefferson Capital, Inc. Common Stock	B	D	D	$16.66
PRAAPRA Group, Inc.	C	C	B	$14.76
PLBCPlumas Bancorp	C	C	B	$52.40
ORBSEightco Holdings Inc. Common Stock	D	F	D	$1.00

About

Encore Capital Group is a specialty finance company that acquires and manages portfolios of defaulted consumer receivables at substantial discounts to face value. The company generates returns by working with consumers to facilitate repayment and recovery of these debt portfolios across international markets. Encore operates a streamlined, single-segment business model focused entirely on debt purchasing and recovery operations.