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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 Framework: Banks & Lenders Small Cap
Encore Capital Group, Inc. (ECPG), is a Small Cap company, in the Mortgage Finance industry, last closed at $88.21, about 45.6% overvalued vs fair value, +138.6% 1Y return, placing in the top 10% of its sector.
Metrics P/E 5.0× Rev Growth 34.4% ROE 29.5% Gross Margin 54.6%
USD 88.21
-1.11%
(Delayed)
• Vol 90d: 27.6%
52-Week Range
Market Cap
$1.97B
Enterprise Value
$5.78B
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Good
Growth
Good
Profitability
Fair
Health
Fair
Efficiency
Fair
Valuation
Good
Completeness: 82%
Confidence: 85%
Updated: Jul 5
Top Beats

Quick Facts

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

Next Events

Earnings Aug 5 Estimated

Fair Value Snapshot

Bear Base Bull
$27
$48
$90
Current: $88.21 -46% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Expense
$280.5M
Net Interest Income
$-293.9M
-16.4%%
Total Revenue
$1.8B
34.4%%
Fee/Non-Interest Income
$2.1B
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
26.3%
Excellent

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$90.4M
35.2% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
2
Active Leaks
1/2
Improving
0
High Impact
0
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

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

Overall Moat Strength
54
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
48
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 85% Coverage
Trade-Off Triangle Visualization A ternary plot showing ECPG's balance between Growth (39.3%), Profitability (25.4%), and Safety (35.3%). Growth 39% Safety 35% Profitability 25%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

61th percentile vs peers
61
Key Signals
Asset Growth YoY 11.5% 78p EPS Growth YoY 2.87 96p Equity Growth YoY 27.3% 91p NII Growth YoY -16.4% 5p
Strengths
  • EPS Growth YoY in top 20% of peers (2.87, 96th percentile)
  • Equity Growth YoY in top 20% of peers (27.3%, 91th percentile)
  • Efficiency Ratio in top 20% of peers (19.2%, 98th percentile)
  • ROE in top 20% of peers (29.4%, 96th percentile)
  • Equity/Assets in top 20% of peers (18.3%, 90th percentile)
Risks
  • NII Growth YoY in bottom 20% of peers (-16.4%)

Profitability

39th percentile vs peers
40
Key Signals
Strengths
Risks
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Safety

55th percentile vs peers
55
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:

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  • 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
$48.00
- - -
-45.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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