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Friday 6 November 2026 Export ECPG’s income statement to Excel — free account

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

125.38 25.45 +25.47%
Market cap
$2.7B
P/E
7.8×
Fwd P/E
7.4×
Dividend yield
—
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Encore Capital Group Inc (ECPG) P/B ratio

Alert me on P/B ratio

As of 5 November 2026, Encore Capital Group Inc (ECPG) trades at a P/B ratio of 2.5×. Over the past ten years it has ranged from 0.5× (March 2020) to 2.5× (November 2026) — the current reading is the highest in ten years. That is above the Credit Services industry median of 1.2× and above the Financial sector median of 1.3×.

P/B ratio, daily

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Annual newest first

Period P/B ratio Change
FY2025 1.3× (13.01%)
FY2024 1.5× 14.02%
FY2023 1.3× 29.10%
FY2022 1.0× (36.05%)
FY2021 1.6× 57.36%
FY2020 1.0× (6.77%)
FY2019 1.1× 32.59%
FY2018 0.8× (57.44%)
FY2017 1.9× 39.92%
FY2016 1.4× 10.03%

Quarterly newest first

Period P/B ratio Change
Sep 2026 1.9× 0.34%
Jun 2026 1.9× 26.60%
Mar 2026 1.5× 13.88%
Dec 2025 1.3× 27.09%
43 more quarters

Against its own ten years

Low 0.5× High 2.5×
Ten-year median 1.2×
Current reading's percentile 100

P/B ratio against peers

Company P/B ratio
BFH Bread Financial Holdings, Inc. compare 1.1×
EZPW EZCORP, Inc. compare 1.5×
SLM SLM Corporation compare 1.6×
AGM Federal Agricultural Mortgage Corporation compare 1.7×
ATLC Atlanticus Holdings Corporation compare 1.8×
JCAP Jefferson Capital, Inc. compare 2.4×
WU The Western Union Company compare 2.4×
ECPG Encore Capital Group Inc 2.5×
UPST Upstart Holdings, Inc. compare 2.7×
Credit Services industry median 1.2×
Financial sector median 1.3×
Market median 1.7×

What P/B ratio is

Price to Book Value tells an investor how much the market pays for a company’s shares relative to the accounting net worth that belongs to common shareholders.

Stock Price ÷ (Common Equity (Total) (latest quarter) ÷ Shares (Basic, Weighted) (latest quarter))

The full definition of P/B ratio →

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