Stock AnalizEncore Capital Group Inc. ECPG
Finance Companies · data as of November 13, 2026
Encore Capital Group Inc. (ECPG) is a financial company listed in the US with a market value of about $2.3B. In the twelve months to September 30, 2026 it had revenue of $2.0B and net income of $351M, a net margin of 17.7%.
Its overall Stock Analiz score is 2.6 out of 5 (average). The strongest part is value (4/5); the weakest is financial health (1/5).
Key numbers: a P/E of 7.0, a price to free cash flow of 15.1, 5-year revenue growth of 3% a year, a 5-year average ROIC of 6%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 5% below the current price.
Score: 2.6 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- PEG below 1.5
- Revenue growth above 10% last year
- Profit margin improving
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
Checks not passed
- Price below intrinsic value (DCF, moderate assumptions)
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
- Interest covered more than 5 times
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $2.0B | $1.8B | $1.3B | $1.2B | $1.4B | $1.6B | $1.5B | $1.4B | $1.3B | $1.1B | $1.1B |
| Net income | $351M | $257M | -$139M | -$206M | $195M | $351M | $212M | $168M | $116M | $83M | $77M |
| Free cash flow | $151M | $127M | $127M | $128M | $173M | $270M | $278M | $205M | $119M | $96M | $99M |
| EPS (diluted) | $15.58 | $10.91 | $-5.83 | $-8.72 | $7.46 | $11.26 | $6.68 | $5.33 | $4.06 | $3.15 | $2.96 |
| Net margin | 17.7% | 14.5% | -10.6% | -16.9% | 13.9% | 21.7% | 14.1% | 11.9% | 8.8% | 7.3% | 6.9% |
| ROIC | — | 9.4% | 2.7% | 0.3% | 6.9% | 11.8% | 8.6% | 8.0% | 6.5% | 4.8% | 5.6% |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 3 analysts is $131.33, 20% above the current price; targets range from $122.00 to $140.00; the consensus rating is “Buy”; expected EPS is $16.02 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Encore Capital Group’s P/E ratio?
About 7.0, based on the last twelve months of diluted earnings per share (forward P/E about 6.8).
Is Encore Capital Group stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 5% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Encore Capital Group pay a dividend?
Not currently.
Is Encore Capital Group a good stock to buy?
We do not give buy or sell advice. Encore Capital Group scores 2.6 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.