ScreenerHero
ECPGEncore Capital Group, Inc.
NAS · US · Financial Services · Credit Services · encorecapital.com
93.29USD+0.51%Mkt Cap: 2.00B $P/E: 7.27

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…

Industry Peers

Credit Services
Screen all
vs Credit Services
P/E
Cheaper
P/B
Avg
1M Perf
Lower
V
Visa Inc.
$652.47BUSDP/E 29.9
MA
Mastercard Incorporated
$453.81BUSDP/E 29.7
AXP
American Express Company
$230.80BUSDP/E 21.1
COF
Capital One Financial Corporation
$123.59BUSDP/E 61.5
PYPL
PayPal Holdings, Inc.
$38.09BUSDP/E 8.1
AFRM
Affirm Holdings, Inc.
$27.31BUSDP/E 74.1
SYF
Synchrony Financial
$25.58BUSDP/E 7.9
ALLY
Ally Financial Inc.
$14.08BUSDP/E 11.2
FCFS
FirstCash Holdings, Inc.
$9.48BUSDP/E 27.1
OMF
OneMain Holdings, Inc.
$7.04BUSDP/E 9.1
CACC
Credit Acceptance Corporation
$6.66BUSDP/E 15.9
ENVA
Enova International, Inc.
$5.99BUSDP/E 19.6
EDEN
Edenred SE
$5.67BUSDP/E 10.6
SEZL
Sezzle Inc.
$5.77BUSDP/E 23.7
SLM
SLM Corporation
$4.89BUSDP/E 7.2
NNI
Nelnet, Inc.
$4.79BUSDP/E 11.6
BFH
Bread Financial Holdings, Inc.
$4.38BUSDP/E 8.8
UPST
Upstart Holdings, Inc.
$3.39BUSDP/E 86.4
WU
The Western Union Company
$2.41BUSDP/E 5.7
KRU
KRUK Spólka Akcyjna
$2.09BUSDP/E 7.9
AGM
Federal Agricultural Mortgage Corporation
$2.16BUSDP/E 11.5
EZPW
EZCORP, Inc.
$2.13BUSDP/E 18.7
HOFI
Hoist Finance AB (publ)
$1.49BUSDP/E 13.9
AGM-A
Federal Agricultural Mortgage Corporation
$1.56BUSDP/E 8.3
ATLC
Atlanticus Holdings Corporation
$1.55BUSDP/E 11.2
MOL
Moltiply Group S.p.A.
$1.38BUSDP/E 33.0
OPFI
OppFi Inc.
$1.43BUSDP/E 4.9
JCAP
Jefferson Capital, Inc.
$1.08BUSDP/E 3.8
WRLD
World Acceptance Corporation
$1.04BUSDP/E 32.5
B2I
B2 Impact ASA
$832.04MUSDP/E 13.6
NAVI
Navient Corporation
$799.85MUSD
GDOT
Green Dot Corporation
$765.78MUSD
PRAA
PRA Group, Inc.
$724.30MUSD
BFF
BFF Bank S.p.A.
$631.58MUSDP/E 11.8
HYQ
Hypoport SE
$606.16MUSDP/E 19.8
IPF
International Personal Finance plc
$598.79MUSDP/E 10.3
GLJ
Grenke AG
$577.19MUSDP/E 9.2
GSY
goeasy Ltd.
$507.94MUSD
FCH
Funding Circle Holdings plc
$456.91MUSDP/E 10.6
ACR
Axactor ASA
$387.02MUSDP/E 5.3
GF
Generalfinance S.p.A.
$396.91MUSDP/E 12.7
RM
Regional Management Corp.
$379.38MUSDP/E 8.4
LPRO
Open Lending Corporation
$367.98MUSD
ISFIN
Is Finansal Kiralama Anonim Sirketi
$330.87MUSDP/E 3.6
SUS
S&U plc
$262.83MUSDP/E 10.2
OPRT
Oportun Financial Corporation
$261.17MUSDP/E 15.4
BST
BEST S.A.
$245.24MUSDP/E 7.4
GARFA
Garanti Faktoring A.S.
$274.90MUSDP/E 4.8
FOA
Finance of America Companies Inc.
$244.70MUSDP/E 12.2
CRDFA
Creditwest Faktoring Anonim Sirketi
$270.17MUSDP/E 12.3
MFIN
Medallion Financial Corp.
$235.98MUSDP/E 6.9
INTRUM
Intrum AB (publ)
$215.56MUSD
CPSS
Consumer Portfolio Services, Inc.
$208.20MUSDP/E 11.3
VAKFN
Vakif Finansal Kiralama A.S.
$194.89MUSDP/E 4.2
DFCH
Distribution Finance Capital Holdings plc
$113.26MUSDP/E 7.9
SUIG
SUI Group Holdings Limited
$93.84MUSD
DGR1R
DelfinGroup AS
$75.38MUSDP/E 6.6
ALG
ALBIS Leasing AG
$65.43MUSDP/E 14.9
LIDFA
Lider Faktoring A.S.
$76.29MUSDP/E 3.1
QLIRO
Qliro AB (publ)
$62.79MUSD
PVT
RMS Mezzanine, a.s.
$53.16MUSDP/E 18.7
TIME
Time Finance plc
$47.83MUSDP/E 6.9
VRM
Vroom, Inc.
$40.10MUSD
GVT
Grupa Virtus Spolka Akcyjna
$31.08MUSD
SEKFK
Seker Finansal Kiralama A.S.
$24.56MUSDP/E 4.7
AFCC-H
Automotive Finco Corp.
$19.20MUSDP/E 33.3
FRS
FORIS AG
$17.18MUSD
ORCH
Orchard Funding Group plc
$14.62MUSDP/E 4.5
CAP
Capitea S.A.
$11.07MUSDP/E 4.4
TUF
LIBERO football finance AG I
$8.12MUSD
CRWN
Crown Capital Partners Inc.
$7.84MUSD
MLRZE
Raize - Instituição de Pagamentos, S.A.
$7.12MUSDP/E Infinity
MIT
The Mint Corporation
$5.15MUSD
ACD
Accord Financial Corp.
$3.49MUSD
PBF
PBS Finanse S.A.
$3.12MUSDP/E 118.0
MWT
M.W. Trade SA
$2.09MUSD
ATLCL
Atlanticus Holdings Corporation 6.125% Senior Notes due 2026
—
COF-PJ
Capital One Financial Corporation
—P/E 0.7
COF-PI
Capital One Financial Corporation
—P/E 0.7
AGM-PF
Federal Agricultural Mortgage Corporation
—P/E 1.7
AGM-PE
Federal Agricultural Mortgage Corporation
—P/E 1.9
AGM-PD
Federal Agricultural Mortgage Corporation
—P/E 1.9
SOFI
SoFi Technologies, Inc.
—
GAINI
Gladstone Investment Corporation
—
BTMWW
Bitcoin Depot Inc.
—
ATLCP
Atlanticus Holdings Corporation
—P/E 3.2
SLMBP
SLM Corporation
—P/E 34.5
SYF-PA
Synchrony Financial
—P/E 2.5
Indicators:|

Key Statistics

Company
Market Cap2.00B $
Enterprise Value5.81B $
Revenue (TTM)1.85B $
Gross Profit965.83M $
Net Income (TTM)256.83M $
Revenue/Share81.58 USD
Last Price93.29 USD
Fiscal Year EndDec 2025
MR QuarterMar 2026
Employees7.3K
CountryUS
SectorFinancial Services
IndustryCredit Services
ISIN—
Valuation
P/E (Trailing)7.27
P/E (Forward)6.99
PEG0.17
EV/EBITDA8.19
EV/Revenue3.14
P/S1.08
P/B1.94
EPS (TTM)12.84
EPS (Forward)13.36
52W Range
35.6799% of range94.03
52W High94.03 USD
52W Low35.67 USD
Profitability
Gross Margin54.60%
Oper. Margin38.70%
EBITDA Margin38.32%
Profit Margin14.52%
ROE26.29%
ROA4.81%
Growth
Revenue Growth21.00%
Earnings Growth100.00%
Cash Flow & Leverage
Operating CF153.20M $
CapEx (TTM)26.27M $
FCF Margin-12.40%
FCF Yield-11.47%
Net Debt3.81B $
Net Debt/EBITDA5.37
Balance Sheet
Debt/Equity4.10
Current Ratio18.24
Quick Ratio18.06
Book Value/Sh48.13 USD
Cash/Share10.60 USD
Dividends
Fwd Div Rate—
Trail. Div Rate0.0000 USD
Div. Yield—
5Y Avg Yield—
Payout Ratio0.00%
Ex-Div Date—
Pay Date—
Analyst Consensus
Rating1.8 (Buy)
Strong BuyBuyHoldSellStr. Sell
Target (Mean)113.33 USD
Upside (mean)+21.5%
Target Range105.00 USD – 120.00 USD
$105.00+21.5% to mean$120.00
# Analysts3
Ownership
Shares Out.21.44M
Float20.94M
Insiders3.85%
Institutions109.78%
Short Interest
Short Ratio4.5d
Short % Float7.61%
Short % Out.6.16%
Shares Short1.32M
Short (prev mo.)1.45M
Technical
SMA 5082.49 (+13.1%)
SMA 20062.04 (+50.4%)
Beta1.30
S&P 52W Chg20.05%
Avg Vol (30d)270.92K
Avg Vol (10d)361.00K
Technical Indicators
RSI (14)79.2
MACD2.7961
MACD Signal1.6305
MACD Hist.+1.1656
BB Upper92.65 USD
BB Middle83.78 USD
BB Lower74.90 USD
BB Width21.18%
ATR (14)2.788 USD
Vol Ratio (20d)1.30x