Encore Capital Group, Inc., a specialty finance company, together with its subsidiaries, provides debt recovery solutions and other related services for consumers across a range of financial assets worldwide. More Details
Solid track record and good value.
Share Price & News
How has Encore Capital Group's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: ECPG is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 8% a week.
Volatility Over Time: ECPG's weekly volatility has decreased from 14% to 8% over the past year.
7 Day Return
US Consumer Finance
1 Year Return
US Consumer Finance
Return vs Industry: ECPG underperformed the US Consumer Finance industry which returned 2.7% over the past year.
Return vs Market: ECPG underperformed the US Market which returned 19.6% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Encore Capital Group's share price compared to the market and industry in the last 5 years?
Simply Wall St News
3 weeks ago | Simply Wall StDo Encore Capital Group's (NASDAQ:ECPG) Earnings Warrant Your Attention?
2 months ago | Simply Wall StEncore Capital Group (NASDAQ:ECPG) Share Prices Have Dropped 25% In The Last Three Years
Is Encore Capital Group undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: ECPG ($31.81) is trading above our estimate of fair value ($28.29)
Significantly Below Fair Value: ECPG is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: ECPG is good value based on its PE Ratio (4.6x) compared to the US Consumer Finance industry average (12.4x).
PE vs Market: ECPG is good value based on its PE Ratio (4.6x) compared to the US market (21x).
Price to Earnings Growth Ratio
PEG Ratio: ECPG is good value based on its PEG Ratio (0.5x)
Price to Book Ratio
PB vs Industry: ECPG is good value based on its PB Ratio (0.9x) compared to the US Consumer Finance industry average (1.4x).
How is Encore Capital Group forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: ECPG's forecast earnings growth (9.4% per year) is above the savings rate (2%).
Earnings vs Market: ECPG's earnings (9.4% per year) are forecast to grow slower than the US market (21.5% per year).
High Growth Earnings: ECPG's earnings are forecast to grow, but not significantly.
Revenue vs Market: ECPG's revenue (2.4% per year) is forecast to grow slower than the US market (10.3% per year).
High Growth Revenue: ECPG's revenue (2.4% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if ECPG's Return on Equity is forecast to be high in 3 years time
How has Encore Capital Group performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ECPG has high quality earnings.
Growing Profit Margin: ECPG's current net profit margins (14.6%) are higher than last year (12.5%).
Past Earnings Growth Analysis
Earnings Trend: ECPG's earnings have grown significantly by 23.7% per year over the past 5 years.
Accelerating Growth: ECPG's earnings growth over the past year (26.7%) exceeds its 5-year average (23.7% per year).
Earnings vs Industry: ECPG earnings growth over the past year (26.7%) exceeded the Consumer Finance industry -19.3%.
Return on Equity
High ROE: ECPG's Return on Equity (19.4%) is considered low.
How is Encore Capital Group's financial position?
Financial Position Analysis
Short Term Liabilities: ECPG's short term assets ($3.6B) exceed its short term liabilities ($235.1M).
Long Term Liabilities: ECPG's short term assets ($3.6B) exceed its long term liabilities ($3.4B).
Debt to Equity History and Analysis
Debt Level: ECPG's debt to equity ratio (286.5%) is considered high.
Reducing Debt: ECPG's debt to equity ratio has reduced from 475.4% to 286.5% over the past 5 years.
Debt Coverage: ECPG's debt is not well covered by operating cash flow (9.2%).
Interest Coverage: ECPG's interest payments on its debt are not well covered by EBIT (2.4x coverage).
What is Encore Capital Group current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate ECPG's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate ECPG's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if ECPG's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if ECPG's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of ECPG's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Ashish Masih (54 yo)
Mr. Ashish Masih has been the Chief Executive Officer and President of Encore Capital Group, Inc. since June 15, 2017. Mr. Masih serves as a Director at Encore Capital Europe Finance Limited. Mr. Masih ser...
CEO Compensation Analysis
Compensation vs Market: Ashish's total compensation ($USD3.41M) is above average for companies of similar size in the US market ($USD2.41M).
Compensation vs Earnings: Ashish's compensation has increased by more than 20% in the past year.
|Executive VP||5.92yrs||US$2.48m||0.26% |
|Executive VP||3.5yrs||US$1.59m||0.19% |
|President of Midland Credit Management||1yr||US$1.55m||0.051% |
|Senior VP & Chief Information Officer||1.67yrs||no data||no data|
|Vice President of Investor Relations||no data||no data||no data|
|Senior VP & MD of Encore Advantage||no data||no data||no data|
|Senior VP & Chief Human Resources Officer||1.33yrs||no data||no data|
|Senior Vice President of Corporate & Government Affairs||8.42yrs||no data||no data|
|Senior VP||5.5yrs||no data||no data|
|Managing VP & Chief Risk Officer||1.75yrs||no data||no data|
|Chief Financial Officer of Cabot||1.08yrs||no data||no data|
Experienced Management: ECPG's management team is considered experienced (2.6 years average tenure).
|Independent Director||6.92yrs||US$216.66k||no data|
|Independent Non-Executive Chairman||3.17yrs||US$316.86k||no data|
|Independent Director||5.33yrs||US$216.66k||0.016% |
|Independent Director||1.33yrs||US$169.07k||no data|
|Independent Director||6.92yrs||US$199.99k||no data|
|Independent Director||5.33yrs||US$208.16k||0.016% |
|Independent Director||1.33yrs||US$158.18k||0.026% |
|Independent Director||2.42yrs||US$216.49k||no data|
Experienced Board: ECPG's board of directors are considered experienced (3.6 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: ECPG insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Encore Capital Group, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Encore Capital Group, Inc.
- Ticker: ECPG
- Exchange: NasdaqGS
- Founded: 1998
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: US$1.021b
- Shares outstanding: 31.34m
- Website: https://www.encorecapital.com
Number of Employees
- Encore Capital Group, Inc.
- 350 Camino De La Reina
- Suite 100
- San Diego
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|ECPG||NasdaqGS (Nasdaq Global Select)||Yes||Common Stock||US||USD||Jul 1999|
Encore Capital Group, Inc., a specialty finance company, together with its subsidiaries, provides debt recovery solutions and other related services for consumers across a range of financial assets worldwi...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/01/19 23:24|
|End of Day Share Price||2021/01/19 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.