NASDAQ: ECPGEncore Capital Group Inc Stock
$30.41+0.90 (+3.05%)
Updated Apr 17, 2025
ECPG Price
$30.41
Fair Value Price
-$17.82
Market Cap
$720.45M
52 Week Low
$26.45
52 Week High
$51.77
P/E
-5.22x
P/B
0.94x
P/S
0.87x
PEG
N/A
Dividend Yield
N/A
Revenue
$1.32B
Earnings
-$139.24M
Gross Margin
78%
Operating Margin
11.88%
Profit Margin
-10.6%
Debt to Equity
5.24
Operating Cash Flow
$156M
Beta
0.86
Next Earnings
May 6, 2025
Ex-Dividend
N/A
Next Dividend
N/A
ECPG Overview
Encore Capital Group, Inc., a specialty finance company, provides debt recovery solutions and other related services for consumers across financial assets worldwide. The company purchases portfolios of defaulted consumer receivables at deep discounts to face value, as well as manages them by working with individuals as they repay their obligations and works toward financial recovery. It is also involved in the provision of early stage collection, business process outsourcing, and contingent collection services, as well as debt servicing and other portfolio management services to credit originator for non-performing loans. The company was incorporated in 1999 and is headquartered in San Diego, California.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine ECPG's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More
Zen Rating Component Grades
D
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Mortgage
Industry Rating
F
ECPG
Ranked#9 of 13
Ranked#9 of 13
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $17.44 | C | |
| $73.72 | C | |
| $97.06 | C |
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ECPG News
Overview
Due Diligence Score
–
Industry Average (28)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how ECPG scored across 33 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
ECPG ($30.41) is overvalued by 270.69% relative to our estimate of its Fair Value price of -$17.82 based on Discounted Cash Flow (DCF) modelling
Below Fair Value Valuation
ECPG ($30.41) is not significantly undervalued (270.69%) relative to our estimate of its Fair Value price of -$17.82 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
ECPG is unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 30 more ECPG due diligence checks available for Premium users.
Valuation
ECPG fair value
Fair Value of ECPG stock based on Discounted Cash Flow (DCF)
Price
$30.41
Fair Value
-$17.82
Undervalued by
270.69%
ECPG ($30.41) is overvalued by... subscribe to Premium to read more.
Below Fair Value Valuation
ECPG ($30.41) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
ECPG is unprofitable, so we... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
ECPG price to earnings (PE)
For valuing profitable companies with steady earnings
Company
-5.22x
Industry
30.97x
Market
27.98x
ECPG price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
0.94x
Industry
0.35x
ECPG is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation
ECPG's financial health
Profit margin
Revenue
$265.6M
Net Income
-$225.3M
Profit Margin
-84.8%
ECPG's Earnings (EBIT) of $156.33M... subscribe to Premium to read more.
Interest Coverage Financials
ECPG's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$4.8B
Liabilities
$4.0B
Debt to equity
5.24
ECPG's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
ECPG's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$23.5M
Investing
-$264.7M
Financing
$187.3M
ECPG's operating cash flow ($156.17M)... subscribe to Premium to read more.
Debt Coverage Financials
ECPG vs Mortgage Stocks
Encore Capital Group Stock FAQ
Company
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