Encore Capital Group, Inc. (ECPG)
NASDAQ: ECPG · Real-Time Price · USD
37.56
-0.78 (-2.03%)
At close: Jul 29, 2025, 4:00 PM
37.57
0.00 (0.01%)
After-hours: Jul 29, 2025, 4:00 PM EDT

Encore Capital Group Statistics

Total Valuation

ECPG has a market cap or net worth of $877.00 million. The enterprise value is $4.50 billion.

Market Cap877.00M
Enterprise Value 4.50B

Important Dates

The next confirmed earnings date is Wednesday, August 6, 2025, after market close.

Earnings Date Aug 6, 2025
Ex-Dividend Date n/a

Share Statistics

ECPG has 23.35 million shares outstanding. The number of shares has increased by 0.71% in one year.

Current Share Class 23.35M
Shares Outstanding 23.35M
Shares Change (YoY) +0.71%
Shares Change (QoQ) +1.48%
Owned by Insiders (%) 2.70%
Owned by Institutions (%) 107.80%
Float 22.71M

Valuation Ratios

PE Ratio n/a
Forward PE 5.58
PS Ratio 0.66
Forward PS 0.54
PB Ratio 1.10
P/TBV Ratio 2.94
P/FCF Ratio 7.27
P/OCF Ratio 5.85
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 12.71, with an EV/FCF ratio of 37.18.

EV / Earnings n/a
EV / Sales 3.26
EV / EBITDA 12.71
EV / EBIT 13.97
EV / FCF 37.18

Financial Position

The company has a current ratio of 16.56, with a Debt / Equity ratio of 4.65.

Current Ratio 16.56
Quick Ratio 16.36
Debt / Equity 4.65
Debt / EBITDA 10.31
Debt / FCF 31.45
Interest Coverage 1.21

Financial Efficiency

Return on equity (ROE) is -13.05% and return on invested capital (ROIC) is 4.48%.

Return on Equity (ROE) -13.05%
Return on Assets (ROA) 4.17%
Return on Invested Capital (ROIC) 4.48%
Return on Capital Employed (ROCE) 6.83%
Revenue Per Employee $187,857
Profits Per Employee -$15,740
Employee Count7,350
Asset Turnover 0.29
Inventory Turnover n/a

Taxes

In the past 12 months, ECPG has paid $49.44 million in taxes.

Income Tax 49.44M
Effective Tax Rate n/a

Stock Price Statistics

The stock price has decreased by -25.33% in the last 52 weeks. The beta is 1.60, so ECPG's price volatility has been higher than the market average.

Beta (5Y) 1.60
52-Week Price Change -25.33%
50-Day Moving Average 38.98
200-Day Moving Average 42.09
Relative Strength Index (RSI) 41.32
Average Volume (20 Days) 218,996

Short Selling Information

The latest short interest is 1.30 million, so 5.59% of the outstanding shares have been sold short.

Short Interest 1.30M
Short Previous Month 1.39M
Short % of Shares Out 5.59%
Short % of Float 5.74%
Short Ratio (days to cover) 4.93

Income Statement

In the last 12 months, ECPG had revenue of $1.38 billion and -$115.69 million in losses. Loss per share was -$4.84.

Revenue1.38B
Gross Profit 1.38B
Operating Income 322.23M
Pretax Income -168.63M
Net Income -115.69M
EBITDA 354.16M
EBIT 322.23M
Loss Per Share -$4.84
Full Income Statement

Balance Sheet

The company has $187.12 million in cash and $3.81 billion in debt, giving a net cash position of -$3.62 billion or -$155.15 per share.

Cash & Cash Equivalents 187.12M
Total Debt 3.81B
Net Cash -3.62B
Net Cash Per Share -$155.15
Equity (Book Value) 819.06M
Book Value Per Share 34.84
Working Capital 3.94B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $150.47 million and capital expenditures -$29.35 million, giving a free cash flow of $121.12 million.

Operating Cash Flow 150.47M
Capital Expenditures -29.35M
Free Cash Flow 121.12M
FCF Per Share $5.19
Full Cash Flow Statement

Margins

Gross margin is 100.00%, with operating and profit margins of 23.34% and -8.38%.

Gross Margin 100.00%
Operating Margin 23.34%
Pretax Margin -4.80%
Profit Margin -8.38%
EBITDA Margin 25.65%
EBIT Margin 23.34%
FCF Margin 8.77%

Dividends & Yields

ECPG does not appear to pay any dividends at this time.

Dividend Per Share n/a
Dividend Yield n/a
Dividend Growth (YoY) n/a
Years of Dividend Growth n/a
Payout Ratio n/a
Buyback Yield -0.71%
Shareholder Yield -0.71%
Earnings Yield -13.15%
FCF Yield 13.76%
Dividend Details

Analyst Forecast

The average price target for ECPG is $62.67, which is 66.85% higher than the current price. The consensus rating is "Strong Buy".

Price Target $62.67
Price Target Difference 66.85%
Analyst Consensus Strong Buy
Analyst Count 3
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a
Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value n/a
Lynch Upside n/a
Graham Number n/a
Graham Upside n/a

Stock Splits

This stock does not have any record of stock splits.

Last Split Date n/a
Split Type n/a
Split Ratio n/a

Scores

ECPG has an Altman Z-Score of 1.87 and a Piotroski F-Score of 5. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score 1.87
Piotroski F-Score 5