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Encore Capital (ECPG) Company Overview

Profile

Full Name:

Encore Capital Group, Inc.

Sector:

Financial Services

Industry:

Credit Services

Country:

United States

IPO:

July 9, 1999

Indexes:

Not included

Website:

http://www.encorecapital.com

Description:

Encore Capital Group, Inc. is a specialized financial company that offers debt collection solutions for consumers and property owners across a range of financial assets. Encore Capital Group, Inc. was founded in 1998 and is headquartered in San Diego, California. The company acquires portfolios of defaulted consumer debt at a discount and manages them, working with individuals who are seeking to repay their obligations and take steps towards financial recovery. Defaulted consumer debt consists of unpaid financial obligations that consumers have towards creditors, including banks, credit unions, consumer finance companies, retail businesses, and telecommunications companies.

Key Details

Price

$35.74

Market Cap

$846.73 M(Small cap)

Last Dividend

-

TTM Dividend Yield

-

Annual Revenue

$1.32 B(+7.66% YoY)

Annual EPS

-$5.83(+33.14% YoY)

PE Ratio

-

Annual ROE

-16.34%

Annual Debt To Equity

4.79

Beta

1.11

Events Calendar

Earnings

Next earnings date:

May 8, 2025

Recent quarterly earnings:

Feb 26, 2025

Recent annual earnings:

Feb 26, 2025
Dividend

Next ex-dividend date:

N/A

Recent ex-dividend date:

N/A
Splits

Next split:

N/A

Recent split:

N/A

Analyst ratings

Recent major analysts updates

Feb 27, 25 Truist Securities
Buy
Dec 23, 24 Northland Capital Markets
Outperform
Nov 7, 24 JMP Securities
Market Outperform
Oct 17, 24 Northland Capital Markets
Outperform
Oct 14, 24 JMP Securities
Market Outperform
Aug 20, 24 Truist Securities
Buy
May 6, 24 JMP Securities
Market Outperform
Apr 17, 24 JMP Securities
Market Outperform
Nov 6, 23 JMP Securities
Market Outperform
Sep 21, 23 Truist Securities
Buy

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Market Data

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Price

Current Price

$35.74
ECPG price is $35.74

Price All-time High

$72.43
ECPG price is currently -50.66% below its historical high of $72.43

Price Analysts Target

$59.00
ECPG price is currently -39.42% lower than the consensus analysts' forecast

Price Most Recent Change

-1.27%
ECPG price was down -1.27% on Mar 7, 2025

Price YTD Change

-25.94%
ECPG price is down -25.94% since January 1st

Price 3-Year Change

-45.63%
ECPG price is down -45.63% over the past 3 years

Market cap

Market Cap

$846.73 M
ECPG market capitalization is $846.73 million

Market Cap 3-Year Change

-47.5%
ECPG market capitalization is down -47.5% over the past 3 years

Market Cap All-time High

$1.78 B
ECPG market capitalization is currently -52.38% below its historical high of $1.78 billion

Market Cap Sector Rank

55.78%
ECPG market capitalization is higher than 55.78% of companies in Financial Services sector

Technical

Beta

1.11
ECPG beta is 1.11

200-day SMA

$46.67
ECPG price is currently -23.41% below its 200-day simple moving average

14-day RSI

23.00
ECPG 14-day relative strength index is 23.00

30-day Relative Volume

1.12
ECPG 30-day relative volume is 1.12

Dividend

Profitability

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Revenue

Annual Revenue

$1.32 B
ECPG annual revenue is $1.32 billion

Annual Revenue Analysts Estimate

$1.57 B
ECPG annual revenue is currently -16.14% lower than the consensus analysts' forecast

Annual Revenue 1-Year Change

+7.66%
ECPG annual revenue is up +7.66% year-on-year

Annual Revenue Sector Rank

79.56%
ECPG annual revenue is higher than 79.56% of companies in Financial Services sector

Profit

Annual Gross Profit

$603.56 M
ECPG annual gross profit is $603.56 million

Annual Gross Margin

45.85%
ECPG annual gross profit margin is 45.85%

Annual Operating Profit

$276.47 M
ECPG annual operating income is $276.47 million

Annual Operating Margin

21.00%
ECPG annual operating profit margin is 21.00%

Annual Net Income

-$139.24 M
ECPG annual net profit is -$139.24 million

Annual Net Margin

-10.58%
ECPG annual net profit margin is -10.58%

EPS

Annual EPS

-$5.83
ECPG annual earnings per share is -$5.83

Annual EPS Analysts Estimate

$5.59
ECPG annual earnings per share is currently -204.20% lower than the consensus analysts' forecast

Annual EPS 1-Year Change

+33.14%
ECPG annual earnings per share is up +33.14% year-on-year

Annual EPS Sector Rank

1.93%
ECPG annual earnings per share is higher than 1.93% of companies in Financial Services sector

ROA & ROE

Annual ROA

-2.96%
ECPG annual return on assets is -2.96%

Annual ROE

-16.34%
ECPG annual return on equity is -16.34%

EBIT & EBITDA

Annual EBIT

$156.33 M
ECPG annual earnings before interest & taxes is $156.33 million

Annual EBITDA

$188.76 M
ECPG annual EBITDA is $188.76 million

Valuation

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PE Ratio

PE Ratio

-
ECPG price to earnings ratio value is unknown

PE Ratio Sector Rank

-
ECPG price to earnings ratio is unknown

PB Ratio

PB Ratio

1.10
ECPG price to book ratio is 1.10

PB Ratio Sector Rank

44.61%
ECPG price to book ratio is higher than 44.61% of companies in Financial Services sector

PS Ratio

PS Ratio

0.64
ECPG price to sales ratio is 0.64

PS Ratio Sector Rank

8.42%
ECPG price to sales ratio is higher than 8.42% of companies in Financial Services sector

Enterprise value

Enterprise Value

$4.32 B
ECPG enterprise value is $4.32 billion

Enterprise Value Sector Rank

73.71%
ECPG enterprise value is higher than 73.71% of companies in Financial Services sector

EV/EBITDA

EV/EBITDA

22.06
ECPG EV/EBITDA is 22.06

EV/EBITDA Sector Rank

94.11%
ECPG EV/EBITDA is higher than 94.11% of companies in Financial Services sector

Financial Health

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Liquidity

Annual Current Ratio

1.05
ECPG annual current ratio is 1.05

Annual Quick Ratio

-
ECPG annual quick ratio value is unknown

Leverage

Annual Debt To Equity

4.79
ECPG annual debt to equity ratio is 4.79

Annual Interest Coverage Ratio

0.62
ECPG annual interest coverage ratio is 0.62

Risk & Stability

Piotroski F-Score

4
ECPG piotroski f-score is 4

Altman Z-Score

0.78
ECPG altman z-score is 0.78

Balance Sheet

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Assets

Annual Total Assets

$4.79 B
ECPG annual total assets is $4.79 billion

Annual Non Current Assets

$4.54 B
ECPG annual long term assets is $4.54 billion

Annual Current Assets

$245.87 M
ECPG annual total current assets is $245.87 million

Annual Cash & Cash Equivalents

$199.87 M
ECPG annual cash & cash equivalents is $199.87 million

Equity

Annual Book Value

$767.33 M
ECPG annual book value is $767.33 million

Annual Working Capital

$12.32 M
ECPG annual working capital is $12.32 million

Liabilities

Annual Total Liabilities

$4.02 B
ECPG annual total liabilities is $4.02 billion

Annual Total Long Term Liabilities

$3.79 B
ECPG annual total long term liabilities is $3.79 billion

Annual Current Liabilities

$233.54 M
ECPG annual total current liabilities is $233.54 million

Annual Accounts Payable

-
ECPG annual accounts payable value is unknown

Debt

Annual Total Debt

$3.67 B
ECPG annual total debt is $3.67 billion

Annual Total Debt 1-Year Change

+10.69%
ECPG annual total debt is up +10.69% year-on-year

Annual Long Term Debt

$3.67 B
ECPG annual long term debt is $3.67 billion

Annual Short Term Debt

$0.00
ECPG annual short term debt is $0.00

Expenses

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Annual Total Expenses

$1.04 B
ECPG annual total expenses is $1.04 billion

Annual Operating Expenses

$327.08 M
ECPG annual total operating expenses is $327.08 million

Annual Cost Of Goods Sold

$712.80 M
ECPG annual cost of goods sold is $712.80 million

Annual SGA

$163.85 M
ECPG annual SGA is $163.85 million

Annual D&A

$32.43 M
ECPG annual depreciation & amortization is $32.43 million

Annual Interest Expense

$252.54 M
ECPG annual interest expense is $252.54 million

Cash Flow

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Cashflow Activities

Annual CFO

$156.17 M
ECPG annual cash flow from operations is $156.17 million

Annual CFO 1-Year Change

+2.08%
ECPG annual cash flow from operations is up +2.08% year-on-year

Annual CFI

-$440.43 M
ECPG annual cash flow from investing activities is -$440.43 million

Annual CFI 1-Year Change

-9.58%
ECPG annual cash flow from investing activities is down -9.58% year-on-year

Annual CFF

$317.77 M
ECPG annual cash flow from financing activities is $317.77 million

Annual CFF 1-Year Change

+18.44%
ECPG annual cash flow from financing activities is up +18.44% year-on-year

Free CashFlow

Annual FCF

$126.95 M
ECPG annual free cash flow is $126.95 million

Annual FCF 1-Year Change

+25.34%
ECPG annual free cash flow is up +25.34% year-on-year

CAPEX

Annual CAPEX

$29.22 M
ECPG annual capital expenditures is $29.22 million

Annual CAPEX 1-Year Change

-43.49%
ECPG annual capital expenditures is down -43.49% year-on-year

Institutional Ownership

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FAQ

  • What is the ticker symbol for Encore Capital?
  • Does Encore Capital pay dividends?
  • What sector is Encore Capital in?
  • What industry is Encore Capital in?
  • What country is Encore Capital based in?
  • When did Encore Capital go public?
  • Is Encore Capital in the S&P 500?
  • Is Encore Capital in the NASDAQ 100?
  • Is Encore Capital in the Dow Jones?
  • When was Encore Capital's last earnings report?
  • When does Encore Capital report earnings?
  • Should I buy Encore Capital stock now?

What is the ticker symbol for Encore Capital?

The ticker symbol for Encore Capital is NASDAQ:ECPG

Does Encore Capital pay dividends?

No, Encore Capital does not pay dividends

What sector is Encore Capital in?

Encore Capital is in the Financial Services sector

What industry is Encore Capital in?

Encore Capital is in the Credit Services industry

What country is Encore Capital based in?

Encore Capital is headquartered in United States

When did Encore Capital go public?

Encore Capital's initial public offering (IPO) was on July 9, 1999

Is Encore Capital in the S&P 500?

No, Encore Capital is not included in the S&P 500 index

Is Encore Capital in the NASDAQ 100?

No, Encore Capital is not included in the NASDAQ 100 index

Is Encore Capital in the Dow Jones?

No, Encore Capital is not included in the Dow Jones index

When was Encore Capital's last earnings report?

Encore Capital's most recent earnings report was on Feb 26, 2025

When does Encore Capital report earnings?

The next expected earnings date for Encore Capital is May 8, 2025

Should I buy Encore Capital stock now?

As of today, analysts generally recommend a 'Buy' rating. However, it's important to do your own research and consider your financial situation before making any investment decisions