Encore Capital Group Inc. (ECPG)$80.20
Market Cap: 832.41 MCurrency: USD
Research Snapshot
Static fundamentals, valuation context, and investor signals for Encore Capital Group Inc. (ECPG).
FINANCIAL
CREDIT SERVICES
DCF ready
Valuation
5.3x
EV/FCF, 18.8% FCF yield
Quality
26.3%
ROIC, 143.6% FCF margin
Growth
-5.1%
5Y sales (revenue) CAGR
Balance sheet
0.0x
Debt/equity, N/A current ratio
Superinvestors
1
Top: Third Avenue Management (1.6%)
Strengths to research
- Return on equity is strong at 26.3%.
- Free cash flow margin is healthy at 143.6%.
- Debt/equity looks manageable at 0.0x.
- 10 annual periods are available for trend analysis.
Watchouts
- Five-year revenue trend is negative at -5.1%.
Annual data: 10 periods
Quarterly data: 24 periods
Stock snapshot: May 25, 2026
Static dataset: May 25, 2026
Quality Scorecard
Build-time composite score for ECPG.
Grade C
56
/ 100
Peer Comparison
Target stock against 7 market-cap comparable peers.
Heat map: red worst to green best
| ECPG Target | Encore Capital Group Inc. | $832.4M | 7.4x | 5.3x | 26.3% | -5.1% | 143.6% | N/A | -0.2x | N/A |
| PRAA | PRA Group Inc. | $761.4M | -1.9x | -7.3x | -31.1% | 161.9% | -7.5% | N/A | N/A | N/A |
| NAVI | Navient Corp. | $1.3B | -10.4x | 93.6x | -0.2% | N/A | N/A | N/A | N/A | N/A |
| RWAY | Runway Growth Finance Corp | $338.4M | 6.8x | 4.1x | 3.7% | N/A | N/A | N/A | N/A | N/A |
| BFH | Bread Financial Holdings Inc. | $2.3B | 8.0x | 1.4x | 6.8% | N/A | N/A | N/A | N/A | N/A |
| FOA | Finance Of America Companies Inc. | $216.5M | 5.2x | -1.1x | 6.0% | -11.0% | -86.4% | N/A | N/A | N/A |
| OMF | OneMain Holdings | $5.8B | 8.2x | 8.8x | 3.0% | N/A | N/A | N/A | N/A | N/A |
| CACC | Credit Acceptance Corp. | $5.8B | 15.0x | 5.5x | 0.0% | 6.8% | 45.4% | N/A | N/A | N/A |
Financial Charts
No financial data available for ECPG (annual).
1 superinvestors own ECPG
Current quarter ownership and quarter-over-quarter share changes.
Superinvestor ownership
| Fund | Shares | Value | % Portfolio | QoQ Change |
|---|---|---|---|---|
| Third Avenue Management Third Avenue Management | 142,512 | $10M | 1.62% | 0.0% |