Encore Capital Group, Inc. (ECPG)

Price$78.70

Favorite Metrics

Price vs S&P 500 (26W)80.43%

Price vs S&P 500 (4W)9.15%

Market Capitalization$1.69B

P/E Ratio (Annual)6.56x

All Metrics

P/CF (Annual)11.00x

Book Value / Share (Quarterly)$45.04

P/TBV (Annual)1.47x

Indicated Dividend (Annual)$0.00

Revenue Growth (3Y)10.66%

Cash Flow / Share (Quarterly)$5.85

Price vs S&P 500 (YTD)42.14%

Gross Margin (TTM)80.51%

Net Profit Margin (TTM)14.52%

EPS (TTM)$10.96

10-Day Avg Trading Volume0.40M

EPS Excl Extra (TTM)$10.96

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)$7.23

P/E Basic Excl Extra (TTM)6.56x

Revenue Growth QoQ (YoY)78.28%

EPS Growth (5Y)10.31%

P/E Normalized (Annual)6.56x

ROA (Last FY)4.81%

Revenue Growth TTM (YoY)33.12%

EBITD / Share (TTM)$27.99

ROE (5Y Avg)6.44%

Operating Margin (TTM)35.34%

Cash Flow / Share (Annual)$5.85

P/B Ratio1.73x

P/B Ratio (Quarterly)1.24x

Net Income / Employee (Annual)$0

EV / Revenue (TTM)3.13x

Net Interest Coverage (TTM)2.14x

ROA (TTM)4.95%

EPS Growth QoQ (YoY)145.75%

EV / EBITDA (TTM)8.39x

EPS Incl Extra (Annual)$10.91

Current Ratio (Annual)0.77x

Quick Ratio (Quarterly)0.83x

3-Month Avg Trading Volume0.26M

52-Week Price Return165.67%

EV / Free Cash Flow (Annual)43.57x

P/E Incl Extra (TTM)6.56x

Revenue / Employee (TTM)$0

Tangible BV / Share (Quarterly)$32.39

P/S Ratio (Annual)0.95x

Asset Turnover (Annual)0.33x

52-Week High$80.16

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 Return84.42%

Quick Ratio (Annual)0.65x

13-Week Price Return42.04%

Total Debt / Equity (Annual)4.10x

Current Ratio (Quarterly)0.99x

Enterprise Value$5,529.926

Revenue / Share Growth (5Y)9.78%

Asset Turnover (TTM)0.34x

Book Value / Share Growth (5Y)2.97%

Revenue / Employee (Annual)$0

Pretax Margin (Annual)19.00%

Cash / Share (Annual)$7.23

3-Month Return Std Dev33.07%

Gross Margin (5Y Avg)78.31%

Net Income / Employee (TTM)$0

EBITDA CAGR (5Y)4.25%

EBITDA Interim CAGR (5Y)13.53%

ROE (Last FY)26.29%

Net Interest Coverage (Annual)2.14x

EPS Basic Excl Extra (Annual)$10.91

P/FCF (TTM)13.28x

Receivables Turnover (TTM)3.74x

EV / Free Cash Flow (TTM)43.57x

Total Debt / Equity (Quarterly)4.10x

EPS Incl Extra (TTM)$10.96

Receivables Turnover (Annual)4.42x

ROI (TTM)5.31%

P/S Ratio (TTM)0.95x

Pretax Margin (5Y Avg)10.51%

Revenue / Share (Annual)$75.16

Tangible BV / Share (Annual)$32.39

Forward P/E6.51x

Free OCF CAGR (5Y)-14.53%

Price vs S&P 500 (52W)135.84%

P/E Ratio (TTM)6.56x

Year-to-Date Return44.78%

5-Day Price Return3.05%

EPS Normalized (Annual)$10.91

ROA (5Y Avg)1.87%

Net Profit Margin (Annual)14.52%

Month-to-Date Return12.22%

Cash Flow / Share (TTM)$1.62

EBITD / Share (Annual)$27.99

EPS Growth (3Y)13.54%

Operating Margin (Annual)35.34%

LT Debt / Equity (Annual)4.10x

P/CF (TTM)11.00x

ROI (5Y Avg)2.07%

P/E Excl Extra (TTM)6.56x

LT Debt / Equity (Quarterly)4.10x

EPS Basic Excl Extra (TTM)$10.96

P/TBV (Quarterly)1.47x

P/B Ratio (Annual)1.24x

Pretax Margin (TTM)19.00%

Book Value / Share (Annual)$45.04

Price vs S&P 500 (13W)41.35%

Net Margin Growth (5Y)0.49%

Beta1.32x

P/FCF (Annual)13.28x

Revenue / Share (TTM)$77.68

ROE (TTM)28.19%

52-Week Low$28.68

Analyst Recommendations

Jan 2026

Feb 2026

Mar 2026

Apr 2026

4.09

4.00

Industry Peers — Short-Term Business Credit(4)

Symbol	P/E Ratio (Annual)	ROE (TTM)	Operating Margin (TTM)	Revenue Growth (5Y)	Price
ECPGEncore Capital Group, Inc.	6.56x	28.19%	35.34%	3.43%	$78.70
JCAPJefferson Capital, Inc. Common Stock	6.12x	42.75%	—	—	$20.63
PRAAPRA Group, Inc.	9.42x	-27.34%	0.68%	2.44%	$20.38
PLBCPlumas Bancorp	12.41x	13.35%	50.74%	15.60%	$51.71
ORBSEightco Holdings Inc. Common Stock	318.30x	-34.69%	-24.75%	—	$1.24

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.