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ECPG stock logo

ECPG

Encore Capital Group, Inc.

$71.14
0.27
 (0.38%)
[ms_data_label text=’Delayed data’]
Exchange:  NASDAQ
Market Cap:  1.587B
Shares Outstanding:  4.899M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Financial – Mortgages
   
CEO:  Ashish Masih
Full Time Employees:  7350
Address: 
350 Camino De La Reina
San Diego
CA
92108
US
Website:  https://www.encorecapital.com
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. The company was incorporated in 1999 and is headquartered in San Diego, California.

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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2025/05/10 — Q1 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue1,222,6801,316,3611,762,518
Gross Profit571,239603,5571,215,784
EBITDA63,350174,001652,545
Operating Income16,535157,330623,564
Net Income-206,492-139,244256,834

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets4,630,4864,789,7295,339,800
Total Liabilities3,693,9484,022,3984,363,050
Total Stockholders Equity936,538767,331976,750
Total Debt3,318,0313,672,7620
Cash and Cash Equivalents158,364199,865156,784

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow152,991156,168153,199
Capital Expenditure-51,708-29,007-26,270
Free Cash Flow101,283127,161126,929
Net Income-206,492-139,244256,834
Net Change in Cash14,45241,501-43,081

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)1,873,988.855Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)1,923,814.270Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)1,899,379.067Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)496,960.113Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)510,173.235Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)503,693.303Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)294,490.132Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)318,335.253Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)306,412.693Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)197,388.640Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)202,636.788Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)200,063.010Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)13.020Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)13.530Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)12.510Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)2Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)2Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
1.305B  ?P/S
 (TTM)
: 
1.01
?Net Income
 (TTM)
: 
-139244000  ?P/E
 (TTM)
: 
7.25
?Enterprise Value
 (TTM)
: 
5.759B  ?EV/FCF
 (TTM)
: 
45.37
?Dividend Yield
 (TTM)
: 
0  ?Payout Ratio
 (TTM)
: 
0
?ROE
 (TTM)
: 
0.28  ?ROIC
 (TTM)
: 
0.09
?Net Debt
 (TTM)
: 
3.543B  ?Debt/Equity
 (TTM)
: 
4.23
?P/B
 (TTM)
: 
1.91  ?Current Ratio
 (TTM)
: 
595.09

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
7.67Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates ECPG intrinsic value between $76.59 – $78.38 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate ECPG Intrinsic Value

Common questions about ECPG valuation

Is Encore Capital Group, Inc. (ECPG) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Encore Capital Group, Inc. (ECPG) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is ECPG a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether ECPG trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is ECPG’s P/E ratio?

You can see ECPG’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for ECPG?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is ECPG a good long-term investment?

Whether ECPG fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

ECPG

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

[ms_data_label text="Daily snapshot"]

0.38
MARKETSnap

Trading Metrics:

[ms_session_rows_unavailable]
Open: [ms_cell_or_dash table='trading_quote' column='open']   Previous Close: [ms_cell_or_dash table='trading_quote' column='previousClose']
Day Low: [ms_cell_or_dash table='trading_quote' column='dayLow']   Day High: [ms_cell_or_dash table='trading_quote' column='dayHigh']
Year Low: 26.45   Year High: 74.58
Price Avg 50: 63.27   Price Avg 200: 49.77
Volume: 193803   Average Volume: 300575

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See in Nexus

Relevant news

Encore Capital Group to Announce First Quarter 2026 Financial Results on May 6
02-04-2026 16:05
Encore Capital Group to Announce First Quarter 2026 Financial Results on May 6
Encore Capital Group to Announce Fourth Quarter 2025 Financial Results on February 25
15-01-2026 16:33
Encore Capital Group to Announce Fourth Quarter 2025 Financial Results on February 25
Encore Capital Group (NASDAQ:ECPG) & OneMain (NYSE:OMF) Head-To-Head Review
04-12-2025 01:56
Encore Capital Group (NASDAQ:ECPG) & OneMain (NYSE:OMF) Head-To-Head Review

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