NASDAQ: ECPGEncore Capital Group Inc Stock
$83.95+0.90 (+1.08%)
Updated Jun 22, 2026
ECPG Price
$83.95
Fair Value Price
-$7.91
Market Cap
$1.80B
52 Week Low
$35.68
52 Week High
$92.64
P/E
6.42x
P/B
1.74x
P/S
0.82x
PEG
7.88x
Dividend Yield
N/A
Revenue
$1.85B
Earnings
$296.28M
Gross Margin
80.3%
Operating Margin
36.94%
Profit Margin
16%
Debt to Equity
4.27
Operating Cash Flow
$190M
Beta
0.82
Next Earnings
Aug 5, 2026
Ex-Dividend
N/A
Next Dividend
N/A
ECPG 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.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine ECPG's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Mortgage
Industry Rating
F
ECPG
Ranked#3 of 13
Ranked#3 of 13
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $9.44 | C | |
| $51.58 | C | |
| $13.34 | C |
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ECPG News
Overview
Due Diligence Score
–
Industry Average (25)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how ECPG scored across 33 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
ECPG ($83.95) is overvalued by 1,160.83% relative to our estimate of its Fair Value price of -$7.91 based on Discounted Cash Flow (DCF) modelling
Below Fair Value Valuation
ECPG ($83.95) is not significantly undervalued (1,160.83%) relative to our estimate of its Fair Value price of -$7.91 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
ECPG ($83.95) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 30 more ECPG due diligence checks available for Premium users.
Valuation
ECPG fair value
Fair Value of ECPG stock based on Discounted Cash Flow (DCF)
Price
$83.95
Fair Value
-$7.91
Undervalued by
1,160.83%
ECPG ($83.95) is overvalued by... subscribe to Premium to read more.
Below Fair Value Valuation
ECPG ($83.95) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
ECPG ($83.95) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
ECPG price to earnings (PE)
For valuing profitable companies with steady earnings
Company
6.42x
Industry
127.46x
Market
7.94x
ECPG is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
ECPG is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
ECPG price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
1.74x
Industry
0.28x
ECPG is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation
ECPG price to earnings growth (PEG)
For valuing profitable companies with growth potential
ECPG is poor value relative... subscribe to Premium to read more.
PEG Value Valuation
ECPG's financial health
Profit margin
Revenue
$475.4M
Net Income
$86.2M
Profit Margin
18.1%
ECPG's Earnings (EBIT) of $683.86M... subscribe to Premium to read more.
Interest Coverage Financials
ECPG's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$5.5B
Liabilities
$4.4B
Debt to equity
4.27
ECPG's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
ECPG's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$82.3M
Investing
-$27.4M
Financing
$18.6M
ECPG's operating cash flow ($190.24M)... subscribe to Premium to read more.
Debt Coverage Financials
ECPG vs Mortgage Stocks
Encore Capital Group Stock FAQ
Company
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