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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 $81.34, about 48.4% overvalued vs fair value, +108.6% 1Y return, placing in the top 10% of its sector.
Metrics Rev Growth 33.9% ROE 29.5% Gross Margin 69.0%
USD 81.34
1.12%
(Delayed)
• Vol 90d: 31.1%
52-Week Range
Market Cap
$1.72B
Enterprise Value
$5.69B
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Good
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 53%
Updated: Mar 8
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
$23
$42
$79
Current: $81.34 -48% 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

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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 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
60
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
56
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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 (31.0%), Profitability (15.8%), and Safety (53.3%). Growth 31% Safety 53% Profitability 16%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

41th percentile vs peers
41
Key Signals
Asset Growth YoY 11.5% 79p EPS Growth YoY 33.1% 79p NII Growth YoY -25.1% 4p Equity Growth YoY -18.1% 2p
Strengths
  • ROE in top 20% of peers (29.4%, 96th percentile)
  • Equity/Assets in top 20% of peers (18.3%, 89th percentile)
  • Debt/Assets in top 20% of peers (77.4%, 96th percentile)
  • D/E Ratio in top 20% of peers (4.23, 95th percentile)
Risks
  • NII Growth YoY in bottom 20% of peers (-25.1%)
  • Equity Growth YoY in bottom 20% of peers (-18.1%)

Profitability

21th percentile vs peers
21
Key Signals
Strengths
Risks
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Safety

71th percentile vs peers
71
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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Bear
-
- - -
- upside
-
Base
$41.94
- - -
-48.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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