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ENCORE CAPITAL GROUP INC ECPG

Nasdaq · stock · Short-Term Business Credit Institutions · website · IPO 1999-07-09 · LEI

ENCORE CAPITAL GROUP INC statistics & valuation

Market cap$1.9B
P / E7.6×
P / S1.1×
P / B2.0×
P / FCF15.3×
Net margin14.5%
Return on equity26.3%
FCF margin7.2%
Graham number +3.5%$100.94

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($100.94); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
6.90% 7.30% 8.80% 11.90% 14.10% 21.70% 13.90% -16.90% -10.60% 14.50% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
21.70% 28.30% 30.70% 31.80% 35.50% 39.20% 33.10% 1.40% 12.00% 35.40% 2016201720182019202020212022202320242025
Return on equity (%)
13.70% 14.30% 14.10% 16.40% 17.40% 29.60% 16.50% -22.00% -18.10% 26.30% 2016201720182019202020212022202320242025
Shares outstanding
25.9M 26.4M 30.9M 31.5M 31.7M 31.2M 26.1M 23.7M 23.9M 23.5M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
2.10% 1.90% 2.50% 3.40% 4.40% 7.60% 4.30% -4.50% -2.90% 4.80% 2016201720182019202020212022202320242025
Free cash flow margin (%)
8.90% 8.40% 9.00% 14.60% 18.50% 16.70% 12.40% 10.50% 9.70% 7.20% 2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$2.96 $3.15 $4.06 $5.33 $6.68 $11.26 $7.46 -$8.72 -$5.83 $10.91 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

ENCORE CAPITAL GROUP INC trades at about 8.9× earnings — above its 10-year norm (10-year range 4.4×–13.6×, median 7.5×).

4.4× 13.6×

Shaded band = 10-year range (4.4×–13.6×); dot = today's 8.9×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating margin35.4%12.0%1.4%33.1%39.2%35.5%31.8%30.7%28.3%21.7%
Net margin14.5%-10.6%-16.9%13.9%21.7%14.1%11.9%8.8%7.3%6.9%
FCF margin7.2%9.7%10.5%12.4%16.7%18.5%14.6%9.0%8.4%8.9%
Return on assets4.8%-2.9%-4.5%4.3%7.6%4.4%3.4%2.5%1.9%2.1%
Return on equity26.3%-18.1%-22.0%16.5%29.6%17.4%16.4%14.1%14.3%13.7%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.