QualityDipStocks / Finance · Finance Companies
Encore Capital Group ECPG
Outside our quality screen, so we don’t track its dips. It’s 5% below its 52-week high.
Outside our quality screen. No fair value estimate for now: our model doesn’t fit it reliably.
- Fair value est.
- n/a
- Market Value
- $99.17price +1%
- Off 52-wk high
- −5%
- Risk vs market
- Below marketbeta 0.80
3 bullish · 3 bearish See why
Priced in
How much growth the market assumed at the 52-week high, the low and today (a reverse DCF).
52-wk high: P/E 8.0×; now: P/E 7.0×.
| High | Low | Now | |
|---|---|---|---|
| Price | $105.60Oct 13 | $41.10Nov 4 | $100.23 |
| P/E | 8.0× | n/a | 7.0× |
What this means: a lower P/E than at the high means you pay less for each dollar of profit than buyers did then.
How it’s computed
Banks, insurers and lenders: cash flow includes deposits and loans, so a cash-flow model doesn't fit; we show P/E at each point instead. P/E = that day's close × diluted shares / 12-month net income, using only the filings that were public on that day.
Valuation
What we estimate it's worth, and how it ranks on value vs every stock we cover.
Fair value estimate
Estimate unreliable for ECPG: earnings swing too much for a book-value model (return on equity ranged from -18% to 28% across FY2021–2025 and the latest 12 months). We’d rather show nothing than a made-up number.
Risk vs market
How risk vs market is measured
One year of daily returns (Oct 31 to Nov 2, 252 sessions). Beta = how much ECPG moved for each 1% move in the S&P 500 (SPY); 1.0 moves with the market. Volatility is the yearly standard deviation of daily returns. Past behavior, not a forecast.
Moves a bit less than the market, and its own price swings are 2.7× the S&P 500’s.
- Beta vs S&P 500
- 0.80
- Volatility
- 35% vs 13% SPY
- Correlation SPY
- 0.30
- Correlation QQQ
- 0.21
Valuation details
MV $99.17
Fundamentals
The business itself: sales, profits, cash and debt, from SEC filings.
Bull vs bear
Rule-based from the data on this page, strongest first. Not advice.
Top bullish points 3 of 5
ValuationP/E of 7.0× vs a 13.6× median for the 291 Finance companies we cover.
GrowthSales grew 30% to $1.9B over the last 12 months vs the 12 months before (SEC filings).
Cash returnsShare count down 3.3% in a year.
Top bearish points 3 of 5
ProfitabilityNet margin of 16%, below the 22% median for the 281 Finance companies we cover.
QualityDoesn’t pass our quality screen: no positive free cash flow; net debt 5.4× EBITDA (limit 3×).
RiskReports earnings Nov 4 (consensus EPS $3.45): results can move the price sharply and reset Market Value.
All fundamentals
P/E 7.0 · Sales +30%
Valuation
- P/E
- 7.0×Finance median 13.6×
- Price / FCF
- n/acash flow isn't a clean measure for a lender
- FCF yield
- n/acash flow isn't a clean measure for a lender
- EV / EBITDA
- n/anot meaningful for a lender
- Price / sales
- 1.10×
- Price / book
- n/anot reported in its SEC filings
- Market cap
- $2.1Blisted
- Enterprise value
- n/anot reported in its SEC filings
Growth
- Revenue, 12 months
- $1.9B
- Sales growth, 12 months
- +29.5%vs the 12 months before
- Sales growth, 3 yrs
- +8.1%/yrfrom FY2022
- Diluted EPS, 12 months
- $13.16
- EPS growth, last FY
- n/afewer than two years of diluted EPS
- Net income, 12 months
- $302M
- Net income growth
- n/anot reported in its SEC filings
Profitability
- Gross margin
- n/anot meaningful for a lender
- Operating margin
- 37.7%
- Net margin
- 15.9%
- FCF margin
- 6.6%
- Return on equity
- n/anot reported in its SEC filings
- Return on invested capital
- n/anot meaningful for a lender
Balance sheet
- Cash & short-term inv.
- n/anot reported in its SEC filings
- Total debt
- n/anot reported in its SEC filings
- Net cash
- n/anot meaningful for a lender
- Debt / equity
- n/adeposits/float make debt/equity not comparable for a lender
- Interest coverage
- n/anot meaningful for a lender
Cash flow & returns
- Free cash flow, 12 months
- $125M
- FCF growth, 12 months
- +30%
- Dividend yield
- 0%
- Payout ratio
- n/anot reported in its SEC filings
- Buybacks, 12 months
- n/anot reported in its SEC filings
- Share count, 1 year
- −3.3%diluted shares vs a year ago
- Stock-based comp
- $20M
Trailing 12 months to Jun 30, 2026. From Encore Capital Group’s SEC filings. Sparklines show up to six fiscal years. n/a means we don’t hold that number, with the reason. How each is computed.
The business
FCF $-0.2B · Sales +11%
- Free cash flow, 12 months−$0.2B
- Free-cash-flow yield−7.6%
- Free-cash-flow margin−8%
- Gross margin100%
- Operating margin38%
- Return on invested capital11%
- Return on equity30%
- Sales growth (latest quarter vs year-ago quarter)+11%
- Net debt / EBITDA5.4×
Chart & levels
Where the price is vs its key levels and trends.
Key levels
Every level vs today’s $100.23
- 52-wk lowlowest close, 1 year$41.10−59.0%
- Market Valueavg paid since Aug 5$99.17−1.1%
- PriceMon Nov 2 close$100.23you are here
- 52-wk highhighest close, 1 year$105.60+5.4%
Momentum & 52-week range
RSI 50 · 5 days +0.6%
Signals
Reversal signal setups, the public ledger and the next earnings date.
Setup & signals
No setup armed
No setup armed, so there’s no trigger or stop to track yet. Reversal signal rules only run on companies that pass our quality screen.
Next report
Nov 4
- DateWed Nov 4, after the close
- Consensus EPS$3.45
- Year-ago EPS$3.17
- QuarterSep/2026
From Nasdaq’s earnings calendar. A report resets Market Value.
ECPG is outside our quality screen
One text when a published rule fires on one of the 332 quality companies we track: the ticker, the price, the stop and a link to the numbers. Nothing else.
Voices & buzz
Who is talking about it, and how it compares with peers.
Who’s talking about it
Notable investors, executives, analysts and public figures on Encore Capital Group in the last 48 hours. Headlines as published, each linked. Their words, not ours.
No notable mentions in the last 48 hours. Checked Nov 3, 1:01 PM ET.
Compare with peers
Closest in size in Finance
Information only, not investment advice. Fair value estimates and talking points are rule-based model output from public data and can be wrong; stop levels are reference points, not orders. How every number is computed.