ECPG Stock Overview
Encore Capital Group, Inc., a specialty finance company, provides debt recovery solutions and other related services for consumers across financial assets worldwide.
Encore Capital Group Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$56.89|
|52 Week High||US$72.67|
|52 Week Low||US$42.53|
|1 Month Change||-3.56%|
|3 Month Change||-20.45%|
|1 Year Change||29.68%|
|3 Year Change||58.42%|
|5 Year Change||48.73%|
|Change since IPO||508.86%|
Recent News & Updates
|ECPG||US Consumer Finance||US Market|
Return vs Industry: ECPG exceeded the US Consumer Finance industry which returned -16.7% over the past year.
Return vs Market: ECPG exceeded the US Market which returned -8.1% over the past year.
|ECPG Average Weekly Movement||4.1%|
|Consumer Finance Industry Average Movement||9.1%|
|Market Average Movement||7.9%|
|10% most volatile stocks in US Market||17.0%|
|10% least volatile stocks in US Market||3.0%|
Stable Share Price: ECPG is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: ECPG's weekly volatility (4%) has been stable over the past year.
About the Company
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.
Encore Capital Group Fundamentals Summary
|ECPG fundamental statistics|
Is ECPG overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|ECPG income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||17.80|
|Net Profit Margin||25.45%|
How did ECPG perform over the long term?See historical performance and comparison
Is Encore Capital Group undervalued compared to its fair value and its price relative to the market?
Valuation Score 4/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: ECPG ($56.89) is trading below our estimate of fair value ($80.54)
Significantly Below Fair Value: ECPG is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: ECPG is good value based on its PE Ratio (3.2x) compared to the US Consumer Finance industry average (6.5x).
PE vs Market: ECPG is good value based on its PE Ratio (3.2x) compared to the US market (16x).
Price to Earnings Growth Ratio
PEG Ratio: ECPG's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: ECPG's PB Ratio (1.1x) is in line with the US Consumer Finance industry average.
How is Encore Capital Group forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: ECPG's earnings are forecast to decline over the next 3 years (-29% per year).
Earnings vs Market: ECPG's earnings are forecast to decline over the next 3 years (-29% per year).
High Growth Earnings: ECPG's earnings are forecast to decline over the next 3 years.
Revenue vs Market: ECPG's revenue is expected to decline over the next 3 years (-9.6% per year).
High Growth Revenue: ECPG's revenue is forecast to decline over the next 3 years (-9.6% 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?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ECPG has high quality earnings.
Growing Profit Margin: ECPG's current net profit margins (25.4%) are higher than last year (19.5%).
Past Earnings Growth Analysis
Earnings Trend: ECPG's earnings have grown significantly by 35.2% per year over the past 5 years.
Accelerating Growth: ECPG's earnings growth over the past year (36.3%) exceeds its 5-year average (35.2% per year).
Earnings vs Industry: ECPG earnings growth over the past year (36.3%) exceeded the Consumer Finance industry 29%.
Return on Equity
High ROE: Whilst ECPG's Return on Equity (34.68%) is high, this metric is skewed due to their high level of debt.
How is Encore Capital Group's financial position?
Financial Health Score4/6
Financial Health Score 4/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: ECPG's short term assets ($3.4B) exceed its short term liabilities ($251.6M).
Long Term Liabilities: ECPG's short term assets ($3.4B) exceed its long term liabilities ($3.1B).
Debt to Equity History and Analysis
Debt Level: ECPG's net debt to equity ratio (222.6%) is considered high.
Reducing Debt: ECPG's debt to equity ratio has reduced from 448.4% to 236.5% over the past 5 years.
Debt Coverage: ECPG's debt is not well covered by operating cash flow (9.8%).
Interest Coverage: ECPG's interest payments on its debt are well covered by EBIT (4.7x coverage).
What is Encore Capital Group current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Future Dividend Coverage
Dividend Yield vs Market
Notable Dividend: Unable to evaluate ECPG's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate ECPG's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if ECPG's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if ECPG's dividend payments have been increasing.
Earnings Payout to Shareholders
Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: Unable to calculate sustainability of dividends as ECPG has not reported any payouts.
Discover strong dividend paying companies
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Ashish Masih (55 yo)
Mr. Ashish Masih has been the Chief Executive Officer and President of Encore Capital Group, Inc. since June 15, 2017. Mr. Masih serves as a Director at Encore Capital Europe Finance Limited. Mr. Masih ser...
CEO Compensation Analysis
Compensation vs Market: Ashish's total compensation ($USD4.60M) is about average for companies of similar size in the US market ($USD5.45M).
Compensation vs Earnings: Ashish's compensation has been consistent with company performance over the past year.
Experienced Management: ECPG's management team is considered experienced (4 years average tenure).
Experienced Board: ECPG's board of directors are considered experienced (6.7 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Encore Capital Group, Inc.'s employee growth, exchange listings and data sources
- Name: Encore Capital Group, Inc.
- Ticker: ECPG
- Exchange: NasdaqGS
- Founded: 1999
- Industry: Consumer Finance
- Sector: Diversified Financials
- Implied Market Cap: US$1.424b
- Shares outstanding: 24.26m
- Website: https://www.encorecapital.com
Number of Employees
- Encore Capital Group, Inc.
- 350 Camino De La Reina
- Suite 100
- San Diego
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/18 00:00|
|End of Day Share Price||2022/05/18 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.