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Friday 6 November 2026
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Encore Capital Group Inc
ECPG Financial Credit Services
Encore Capital Group Inc’s revenue for fiscal 2025 (year ended December 2025) was $1.8 billion, up 34.4% from fiscal 2024.
- Revenue
- +18.3%
- EPS
- +80.1%
- Free cash flow
- +41.2%
- Total debt
- +7.73%
Quarter to September 2026, against a year earlier
114.40
11.77
−9.33%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
7 | 6 | 6 | 6 | 7 | 6 | 4 | 4 | 5 | 5 |
P/E ratio |
9.82 | 13.13 | 5.80 | 6.58 | 5.78 | 5.35 | 6.33 | 0.00 | 0.00 | 4.89 |
P/S ratio |
0.73 | 0.92 | 0.49 | 0.79 | 0.82 | 1.16 | 0.85 | 1.00 | 0.87 | 0.71 |
P/FCF ratio |
7.62 | 11.40 | 5.58 | 3.53 | 4.52 | 6.22 | 7.36 | 7.93 | 6.22 | 7.67 |
P/Operating CF |
16.69 | 25.89 | 9.97 | 23.09 | 19.47 | 20.55 | 21.34 | 33.19 | 48.44 | 75.12 |
P/B ratio |
1.36 | 1.91 | 0.81 | 1.08 | 1.00 | 1.58 | 1.01 | 1.30 | 1.49 | 1.29 |
Price to Tangible BV |
0.00 | 0.00 | 0.00 | 7.81 | 3.91 | 6.51 | 3.32 | 3.70 | 4.39 | 2.87 |
EV/Sales |
3.31 | 3.64 | 2.94 | 3.17 | 2.88 | 2.90 | 2.82 | 3.58 | 3.50 | 2.89 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
26.15 | 34.93 | 21.41 | 18.08 | 13.80 | 15.44 | 18.73 | 28.63 | 29.54 | 33.34 |
EV/FCF |
34.54 | 45.20 | 33.51 | 14.13 | 15.94 | 15.55 | 24.38 | 28.46 | 25.16 | 31.03 |
Quick Ratio |
0.64 | 0.74 | 0.55 | 0.86 | 0.88 | 0.83 | 0.73 | 0.83 | 0.86 | 0.68 |
Current Ratio |
0.64 | 0.74 | 0.55 | 0.86 | 0.88 | 0.83 | 0.73 | 0.83 | 0.86 | 0.68 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
76.45% | 76.76% | 75.36% | 71.55% | 67.46% | 65.04% | 64.30% | 71.66% | 76.68% | 74.93% |
Debt/Equity |
5.09 | 6.03 | 4.26 | 3.43 | 2.69 | 2.53 | 2.46 | 3.54 | 4.79 | 4.10 |
Asset Turnover |
0.26 | 0.29 | 0.30 | 0.29 | 0.31 | 0.34 | 0.31 | 0.27 | 0.28 | 0.35 |
Operating CF/Net income |
1.70 | 1.49 | 1.61 | 1.46 | 1.48 | 0.86 | 1.08 | (0.74) | (1.12) | 0.60 |
Capex/Depreciation |
(0.91) | (0.70) | (1.64) | 1.32 | (0.81) | (0.04) | (0.97) | 0.00 | 0.18 | 0.40 |
| 13.25% | 14.81% | 16.65% | 18.20% | 18.87% | 29.17% | 16.45% | (19.52%) | (16.34%) | 29.45% | |
| 1.95% | 2.04% | 2.54% | 3.52% | 4.33% | 7.41% | 4.27% | (4.52%) | (2.96%) | 5.07% | |
ROIC |
1.12% | 2.15% | 2.36% | 2.89% | 4.10% | 6.83% | 5.00% | (2.46%) | (1.14%) | 4.36% |
Return on Tangible Assets |
(618.70%) | 2,285.86% | (772.11%) | 189.74% | 210.67% | 438.94% | 326.48% | (285.23%) | (296.79%) | 2,985.40% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
91.04% | 85.58% | 85.48% | 81.90% | 78.31% | 69.86% | 74.15% | 90.32% | 95.79% | 79.37% |
Intangible Assets out of Total Assets |
0.21 | 0.21 | 0.19 | 0.18 | 0.19 | 0.19 | 0.18 | 0.13 | 0.11 | 0.10 |
Share Based Compensation of Revenue |
1.23% | 0.88% | 0.95% | 0.90% | 1.10% | 1.14% | 1.10% | 1.13% | 1.06% | 1.03% |
Graham Net Nets |
(3.95) | (3.40) | (5.49) | (3.35) | (2.82) | (1.73) | (2.67) | (2.90) | (3.35) | (3.33) |
Graham Number |
37.93 | 39.82 | 51.36 | 63.01 | 76.73 | 101.37 | 92.54 | 0.00 | 0.00 | 102.51 |
Earnings Yield |
10.19% | 7.62% | 17.23% | 15.19% | 17.30% | 18.69% | 15.79% | (16.83%) | (12.16%) | 20.44% |
Free Cash Flow Yield |
13.12% | 8.77% | 17.93% | 28.37% | 22.12% | 16.08% | 13.59% | 12.61% | 16.08% | 13.03% |
Revenue per Share |
40.03 | 45.70 | 48.11 | 44.78 | 47.77 | 53.59 | 57.92 | 51.66 | 55.14 | 76.13 |
Operating CF per Share |
5.07 | 4.77 | 6.60 | 7.84 | 9.96 | 10.06 | 8.73 | 6.46 | 6.54 | 6.59 |
Capex per Share |
(1.23) | (1.08) | (2.38) | 2.19 | (1.10) | (0.07) | (2.02) | 0.04 | 1.14 | 0.49 |
Free Cash Flow per Share |
3.84 | 3.68 | 4.21 | 10.03 | 8.85 | 9.99 | 6.70 | 6.50 | 7.68 | 7.08 |
Cash per Share |
5.82 | 8.17 | 5.56 | 6.16 | 6.02 | 6.29 | 5.96 | 6.69 | 8.37 | 6.75 |
Shareholders Equity per Share |
21.46 | 22.02 | 28.95 | 32.86 | 38.82 | 39.34 | 48.86 | 39.57 | 32.14 | 42.04 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
21.46 | 22.02 | 28.95 | 32.86 | 38.82 | 39.34 | 48.86 | 39.57 | 32.14 | 42.04 |
Free Cash Flow |
98.66 | 95.69 | 119.32 | 313.07 | 278.26 | 300.84 | 161.84 | 153.92 | 183.35 | 164.58 |
Working Capital |
(84.63) | (72.63) | (130.53) | (31.58) | (26.74) | (39.94) | (54.30) | (31.56) | (33.68) | (73.48) |
Capital Expenditures |
(31.67) | (28.13) | (67.47) | 68.34 | (34.60) | (2.21) | (48.84) | 0.93 | 27.18 | 11.38 |
Net Current Asset Value |
(2,968.97) | (3,706.64) | (3,654.77) | (3,692.21) | (3,455.26) | (3,233.22) | (3,184.82) | (3,535.58) | (3,822.53) | (4,206.27) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.03 | 0.02 | 0.05 | (0.05) | 0.02 | 0.00 | 0.03 | 0.00 | (0.02) | (0.01) |
Price to Operating Income |
13.11 | 8.31 | 4.25 | 5.48 | 4.33 | 4.29 | 3.78 | 0.00 | 0.00 | 3.76 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.48 | 0.52 | 0.36 | 0.43 | 0.34 | 0.42 | 0.44 | 2.87 | 1.88 | 0.35 |
Cash ROIC |
2.81% | 2.26% | 2.67% | 6.62% | 5.93% | 6.88% | 3.83% | 3.49% | 3.95% | 3.21% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
262.50 | 259.59 | 286.36 | 255.93 | 219.92 | 222.75 | 213.90 | 194.07 | 211.74 | 231.90 |
Average Assets |
3,922.66 | 4,080.60 | 4,561.29 | 4,770.91 | 4,887.24 | 4,736.32 | 4,558.24 | 4,569.42 | 4,710.11 | 5,064.76 |
Average Common Equity |
577.75 | 561.85 | 695.81 | 922.55 | 1,122.74 | 1,202.67 | 1,182.44 | 1,058.08 | 851.93 | 872.04 |
Columns are period end dates · fundamentals updated 4 Nov 2026