Encore Capital Group, Inc. (ECPG)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | $m | 1,501 | 1,614 | 1,398 | 1,223 | 1,316 | 1,763 | 1,899 | 1,911 |
| Operating profit | $m | 624 | 716 | ||||||
| Net profit | $m | 212 | 351 | 195 | -206 | -139 | 257 | 302 | 316 |
| EPS reported | $ | 10.91 | 13.21 | ||||||
| Operating cashflow per share | $ | 6.59 | 7.02 | ||||||
| Capex per share | $ | 1.13 | 0.99 | ||||||
| FCF per share | $ | 5.46 | 6.03 | ||||||
| Free cash flow | $m | 127 | 130 | ||||||
| Net debt | $m | 3,910 | 4,688 | ||||||
| Book value equity | $m | 977 | 1,079 | ||||||
| Book value per share | $ | 41.50 | 47.33 | ||||||
| Number of shares | m | 23.53 | 22.79 | ||||||
| DPS (TTM paid) | $ | 0.00 | 0.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 4.98 | 7.45 | ||||||
| P/B LTM | x | 1.29 | 1.17 | ||||||
| P/S LTM | x | 0.72 | 0.67 | ||||||
| P/FCF LTM | x | 9.95 | 9.71 | ||||||
| EV/EBITDA LTM | x | 8.03 | 7.37 | ||||||
| EV/Sales LTM | x | 2.97 | 3.28 | ||||||
| Earnings Yield LTM | % | +20.08% | +13.42% | ||||||
| FCF Yield | % | +10.05% | +10.29% | ||||||
| Quality | |||||||||
| ROE | % | +26.29% | +29.83% | ||||||
| ROIC | % | +8.92% | +9.08% | ||||||
| Operating margin | % | +35.38% | +37.73% | ||||||
| Gross margin | % | +68.98% | +63.99% | ||||||
| FCF/Sales | % | +7.20% | +6.85% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | - | - | ||||||
| Sales Growth YoY | % | +33.89% | +44.24% | ||||||
| Net Income Growth YoY | % | - | - | ||||||
| FCF Growth | % | -0.02% | +2.40% | ||||||
| Operating Profit Growth | % | +296.34% | +355.38% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | 0.00% | ||||||
| Dividend Growth | % | - | - | ||||||
| Payout Ratio | % | 0.00% | 0.00% | ||||||
| FCF/Debt | x | 0.03 | 0.03 | ||||||
| Net Debt/EBITDA | x | 6.09 | 5.62 | ||||||
| EBIT/Net interest | x | 2.17 | 2.47 | ||||||
| Net debt/market cap | % | +3.22% | +2.19% | ||||||
| Net debt/Equity | x | 4.00 | 4.35 | ||||||
| Gross debt/equity | x | 4.23 | 4.52 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Encore Capital Group, Inc. operates as a specialized financial institution, offering global solutions for debt resolution and associated support services to individual consumers holding diverse financial assets. The company acquires portfolios of consumer debts that are in default, often at substantial discounts from their original value. It then oversees these accounts by engaging with individuals to assist them in fulfilling their repayment responsibilities and working towards their financial recovery. Additionally, Encore Capital Group provides a range of services including initial collection efforts, business process outsourcing, performance-based collection, loan servicing, and various other portfolio administration services to lenders grappling with non-performing loans. The enterprise was established in 1999 and its main offices are situated in San Diego, California.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Encore Capital Group, Inc. (ECPG)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Encore Capital Group, Inc. operates as a specialized financial institution, offering global solutions for debt resolution and associated support services to individual consumers holding diverse financial assets. The company acquires portfolios of consumer debts that are in default, often at substantial discounts from their original value. It then oversees these accounts by engaging with individuals to assist them in fulfilling their repayment responsibilities and working towards their financial recovery. Additionally, Encore Capital Group provides a range of services including initial collection efforts, business process outsourcing, performance-based collection, loan servicing, and various other portfolio administration services to lenders grappling with non-performing loans. The enterprise was established in 1999 and its main offices are situated in San Diego, California.
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