Stocktoria
ENCORE CAPITAL GROUP INC ECPG
ENCORE CAPITAL GROUP INC (ECPG) earns a Piotroski F-score of 5/9 (mixed financial health). It does not currently pay a dividend. FY2025 revenue was $1.8B at a 14.5% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| ECPG | ENCORE CAPITAL GROUP INC | 5/9 | — | 7.6 | +34.4% |
| PRAA | PRA GROUP INC | 3/9 | — | — | +7.8% |
| ORBS | Eightco Holdings Inc. | 2/9 | 13.12 | — | -16.8% |
| OMCC | OLD MARKET CAPITAL Corp | 4/9 | 10.65 | — | — |
| MUFG | MITSUBISHI UFJ FINANCIAL GROUP INC | 4/9 | — | — | +9.5% |
| MFG | MIZUHO FINANCIAL GROUP INC | 4/9 | — | — | +7.6% |
| NMR | NOMURA HOLDINGS INC | 2/9 | — | — | +0.5% |
All Finance, Insurance & Real Estate companies →
About ENCORE CAPITAL GROUP INC
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 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 debt servicing, such as early stage collection, business process outsourcing, and contingent collection services. In addition, the company engages in debt servicing and other portfolio management services to credit originator for non-performing loans. Further, it offers credit management services. Encore Capital Group, Inc. was incorporated in 1999 and is headquartered in San Diego, California.
FAQ
Is ECPG financially healthy?
ENCORE CAPITAL GROUP INC's Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does ECPG pay a dividend?
No, ENCORE CAPITAL GROUP INC does not currently pay a dividend.
How profitable is ECPG?
In FY2025, ENCORE CAPITAL GROUP INC had a net margin of 14.5% and a return on equity of 26.3%.
Is ECPG overvalued or undervalued?
ENCORE CAPITAL GROUP INC trades at about 8.9× trailing earnings — above its 10-year norm (10-year range 4.4×–13.6×, median 7.5×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for ECPG?
The average Wall-Street price target for ENCORE CAPITAL GROUP INC is $113.33, about 16.2% above the recent price, from 3 analysts (consensus: buy).
Is ECPG a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on ENCORE CAPITAL GROUP INC: a Piotroski F-score of 5/9, a P/E of about 7.6×. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.