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Company Analysis

Encore Capital Group Inc ECPG

A comprehensive view of key metrics, scores, and financial health for Encore Capital Group Inc

Overview of Encore Capital Group, Inc.

ECPG NMS
Financial Services Mortgage Finance Small Cap
Encore Capital Group, Inc. (ECPG), is a Small Cap company, in the Mortgage Finance industry, last closed at $66.71, about 37.1% overvalued vs fair value, +97.2% 1Y return, placing in the top 10% of its sector.
$66.71
-0.36%
As of March 13, 2026
Previous close • Vol 90d: 37.1%
52-Week Range
Market Cap
$1.49B
Enterprise Value
$5.46B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.encorecapital.com
HQ San Diego, CA
Employees 7,350
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$23
$42
$79
Current: $66.71 -37% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Expense
$287.6M
Net Interest Income
$-252.5M
-25.1%%
Total Revenue
$1.8B
33.9%%
Fee/Non-Interest Income
$2.0B
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
-18.1%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
1
Active Leaks
1/1
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Encore Capital Group Inc's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
62
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
40
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 92% Coverage
Trade-Off Triangle Visualization A ternary plot showing ECPG's balance between Growth (35.4%), Profitability (33.3%), and Safety (31.3%). Growth 35% Safety 31% Profitability 33%

Click axes to expand details. Marker shows current allocation.

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Growth

68th percentile vs peers
68
Key Signals
Rev Growth YoY 33.9% 72p Revenue CAGR 3Y 8.0% 77p EPS Growth YoY 33.1% 50p
Strengths
  • Superior capital returns - 2 return metrics above peer median
  • Growth above peer median with strong metric coverage (75%)
  • Roic in top 20% of peers (4.9%, 88th percentile)
Risks

No significant risks identified for this axis.

Profitability

64th percentile vs peers
64
Key Signals
Strengths
Risks
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Safety

60th percentile vs peers
60
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Encore Capital Group Inc.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$41.94
- - -
-37.1% vs current
Snapshot base estimate
Bull
-
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- upside
-
Fair Value Range Current: $-
$- $- $-
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