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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 0.07
ECPG's Cash to Debt is ranked higher than
60% of the 124 Companies
in the Global Credit Services industry.

( Industry Median: 0.12 vs. ECPG: 0.07 )
ECPG' s 10-Year Cash to Debt Range
Min: 0.01   Max: 3.07
Current: 0.07

0.01
3.07
Equity to Asset 0.21
ECPG's Equity to Asset is ranked higher than
64% of the 121 Companies
in the Global Credit Services industry.

( Industry Median: 0.25 vs. ECPG: 0.21 )
ECPG' s 10-Year Equity to Asset Range
Min: -0.03   Max: 0.52
Current: 0.21

-0.03
0.52
Interest Coverage 2.71
ECPG's Interest Coverage is ranked higher than
65% of the 110 Companies
in the Global Credit Services industry.

( Industry Median: 3.32 vs. ECPG: 2.71 )
ECPG' s 10-Year Interest Coverage Range
Min: 0.09   Max: 6.07
Current: 2.71

0.09
6.07
F-Score: 2
Z-Score: 0.96
M-Score: -2.05
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 25.65
ECPG's Operating margin (%) is ranked higher than
70% of the 129 Companies
in the Global Credit Services industry.

( Industry Median: 25.26 vs. ECPG: 25.65 )
ECPG' s 10-Year Operating margin (%) Range
Min: -63.15   Max: 57.62
Current: 25.65

-63.15
57.62
Net-margin (%) 9.74
ECPG's Net-margin (%) is ranked higher than
56% of the 131 Companies
in the Global Credit Services industry.

( Industry Median: 16.25 vs. ECPG: 9.74 )
ECPG' s 10-Year Net-margin (%) Range
Min: -64.91   Max: 27.14
Current: 9.74

-64.91
27.14
ROE (%) 13.17
ECPG's ROE (%) is ranked higher than
74% of the 132 Companies
in the Global Credit Services industry.

( Industry Median: 11.35 vs. ECPG: 13.17 )
ECPG' s 10-Year ROE (%) Range
Min: -235.44   Max: 70.56
Current: 13.17

-235.44
70.56
ROA (%) 2.80
ECPG's ROA (%) is ranked higher than
69% of the 133 Companies
in the Global Credit Services industry.

( Industry Median: 2.80 vs. ECPG: 2.80 )
ECPG' s 10-Year ROA (%) Range
Min: -33.38   Max: 20.98
Current: 2.8

-33.38
20.98
ROC (Joel Greenblatt) (%) 151.04
ECPG's ROC (Joel Greenblatt) (%) is ranked higher than
80% of the 127 Companies
in the Global Credit Services industry.

( Industry Median: 33.24 vs. ECPG: 151.04 )
ECPG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -64.16   Max: 2187.08
Current: 151.04

-64.16
2187.08
Revenue Growth (%) 26.70
ECPG's Revenue Growth (%) is ranked higher than
93% of the 113 Companies
in the Global Credit Services industry.

( Industry Median: 5.80 vs. ECPG: 26.70 )
ECPG' s 10-Year Revenue Growth (%) Range
Min: 0.6   Max: 29.6
Current: 26.7

0.6
29.6
EBITDA Growth (%) 25.10
ECPG's EBITDA Growth (%) is ranked higher than
93% of the 97 Companies
in the Global Credit Services industry.

( Industry Median: 10.10 vs. ECPG: 25.10 )
ECPG' s 10-Year EBITDA Growth (%) Range
Min: -39.2   Max: 80.4
Current: 25.1

-39.2
80.4
EPS Growth (%) 15.90
ECPG's EPS Growth (%) is ranked higher than
69% of the 94 Companies
in the Global Credit Services industry.

( Industry Median: 17.30 vs. ECPG: 15.90 )
ECPG' s 10-Year EPS Growth (%) Range
Min: -23.2   Max: 58.7
Current: 15.9

-23.2
58.7
» ECPG's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2013

ECPG Guru Trades in Q1 2013

Paul Tudor Jones 8,800 sh (New)
» More
Q2 2013

ECPG Guru Trades in Q2 2013

Jim Simons 108,409 sh (New)
Paul Tudor Jones Sold Out
» More
Q3 2013

ECPG Guru Trades in Q3 2013

Jim Simons 189,005 sh (+74.34%)
» More
Q4 2013

ECPG Guru Trades in Q4 2013

Paul Tudor Jones 5,400 sh (New)
Jim Simons 134,905 sh (-28.62%)
» More
» Details

Insider Trades

Latest Guru Trades with ECPG

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
George Soros 2011-06-30 Sold Out $24.79 - $33.09 $ 44.4751%0
Michael Price 2011-03-31 Sold Out $21.97 - $27.48 $ 44.4781%0
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Top Ranked Articles about Encore Capital Group, Inc.

From The Land of What If - Smart Proteins and Debt Collectors
Today’s diverse companies were chosen for their speculative enterprises. Both companies deal in the territory of what if. If Encore Capital Group Inc. (ECPG) can collect more from a huge portfolio of consumer debt, the company would grow. If Sophiris Bio Inc. (SPHS), a 10-person biopharm, is successful in competing to provide relief for prostate BPH symptoms, the company would soar. Read more...
Guru Behaviors Differ - Encore Buys AACC
No two Guru investors think alike. On any given day and with any given stock, one is selling as the other is buying. Watching from the sidelines, we want to close that gap or at least understand how two great Guru investors can have opposing views. Read more...
D3 Reduces AACC as Encore Acquisition Nears
Last week debt collection company Asset Acceptance Capital Corporation, (AACC) agreed to the $200 million offer made by its bigger competitor Encore Capital Group Inc. (ECPG) back in March. Accounts combined, the companies have purchased over 60 million consumer credit card, loan and phone accounts valued at approximately $130 billion. President and CEO of Asset Acceptance, Rion Needs, stated, “We believe Encore is a strong strategic fit for Asset as the transaction will enable us to maximize the full value of both our investments and our talented workforce. The combination of our two companies will better position us for success in a rapidly changing and competitive marketplace.” Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 15.70
ECPG's P/E(ttm) is ranked higher than
53% of the 118 Companies
in the Global Credit Services industry.

( Industry Median: 12.40 vs. ECPG: 15.70 )
ECPG' s 10-Year P/E(ttm) Range
Min: 4.29   Max: 28.4
Current: 15.7

4.29
28.4
P/B 2.00
ECPG's P/B is ranked lower than
52% of the 132 Companies
in the Global Credit Services industry.

( Industry Median: 1.40 vs. ECPG: 2.00 )
ECPG' s 10-Year P/B Range
Min: 0.31   Max: 5.65
Current: 2

0.31
5.65
P/S 1.51
ECPG's P/S is ranked higher than
79% of the 126 Companies
in the Global Credit Services industry.

( Industry Median: 2.50 vs. ECPG: 1.51 )
ECPG' s 10-Year P/S Range
Min: 0.26   Max: 3.14
Current: 1.51

0.26
3.14
PFCF 19.70
ECPG's PFCF is ranked lower than
76% of the 72 Companies
in the Global Credit Services industry.

( Industry Median: 7.30 vs. ECPG: 19.70 )
ECPG' s 10-Year PFCF Range
Min: 1.11   Max: 31.07
Current: 19.7

1.11
31.07
EV-to-EBIT 14.10
ECPG's EV-to-EBIT is ranked higher than
66% of the 119 Companies
in the Global Credit Services industry.

( Industry Median: 16.90 vs. ECPG: 14.10 )
ECPG' s 10-Year EV-to-EBIT Range
Min: 0.2   Max: 18
Current: 14.1

0.2
18
PEG 0.60
ECPG's PEG is ranked higher than
74% of the 80 Companies
in the Global Credit Services industry.

( Industry Median: 1.09 vs. ECPG: 0.60 )
ECPG' s 10-Year PEG Range
Min: 0.15   Max: 20.93
Current: 0.6

0.15
20.93
Shiller P/E 21.50
ECPG's Shiller P/E is ranked lower than
57% of the 76 Companies
in the Global Credit Services industry.

( Industry Median: 18.31 vs. ECPG: 21.50 )
ECPG' s 10-Year Shiller P/E Range
Min: 3.11   Max: 35.94
Current: 21.5

3.11
35.94

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 25.70
ECPG's Price/Tangible Book is ranked lower than
83% of the 127 Companies
in the Global Credit Services industry.

( Industry Median: 1.70 vs. ECPG: 25.70 )
ECPG' s 10-Year Price/Tangible Book Range
Min: 0.25   Max: 29.05
Current: 25.7

0.25
29.05
Price/DCF (Projected) 0.80
ECPG's Price/DCF (Projected) is ranked higher than
60% of the 60 Companies
in the Global Credit Services industry.

( Industry Median: 0.70 vs. ECPG: 0.80 )
ECPG' s 10-Year Price/DCF (Projected) Range
Min: 0.35   Max: 2.25
Current: 0.8

0.35
2.25
Price/Median PS Value 1.10
ECPG's Price/Median PS Value is ranked higher than
65% of the 119 Companies
in the Global Credit Services industry.

( Industry Median: 1.20 vs. ECPG: 1.10 )
ECPG' s 10-Year Price/Median PS Value Range
Min: 0.03   Max: 2.23
Current: 1.1

0.03
2.23
Price/Peter Lynch Fair Value 0.60
ECPG's Price/Peter Lynch Fair Value is ranked higher than
62% of the 39 Companies
in the Global Credit Services industry.

( Industry Median: 0.70 vs. ECPG: 0.60 )
ECPG' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.4   Max: 1.7
Current: 0.6

0.4
1.7
Price/Graham Number 4.10
ECPG's Price/Graham Number is ranked lower than
72% of the 116 Companies
in the Global Credit Services industry.

( Industry Median: 0.90 vs. ECPG: 4.10 )
ECPG' s 10-Year Price/Graham Number Range
Min: 0.1   Max: 4.68
Current: 4.1

0.1
4.68
Earnings Yield (Greenblatt) 7.10
ECPG's Earnings Yield (Greenblatt) is ranked higher than
69% of the 127 Companies
in the Global Credit Services industry.

( Industry Median: 5.50 vs. ECPG: 7.10 )
ECPG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5.6   Max: 481.5
Current: 7.1

5.6
481.5
Forward Rate of Return (Yacktman) 35.34
ECPG's Forward Rate of Return (Yacktman) is ranked higher than
89% of the 102 Companies
in the Global Credit Services industry.

( Industry Median: 12.04 vs. ECPG: 35.34 )
ECPG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -4   Max: 71
Current: 35.34

-4
71

Business Description

Industry: Credit Services » Credit Services
Compare:V, MA, TCAP, DFS, COF » details
Traded in other countries:ECP.Germany
Encore Capital Group, Inc., a Delaware corporation was incorporated in 1999. It is a provider of debt management and recovery solutions for consumers and property owners across a broad range of assets. The Company purchases portfolios of defaulted consumer receivables at deep discounts to face value and manages them by partnering with individuals as they repay their obligations and work towards financial recovery. Defaulted receivables are consumers' unpaid financial commitments to credit originators, including banks, credit unions, consumer finance companies, commercial retailers, auto finance companies, and telecommunication companies. It also purchases receivables subject to Chapter 7 and Chapter 13 bankruptcy proceedings. Through its subsidiary Propel Financial Services, LLC, it assists property owners who are delinquent on their property taxes by structuring affordable monthly payment plans. The Company conducts its business through two operating segments namely portfolio purchasing and recovery, and tax lien transfer. The portfolio purchasing and recovery segment purchases receivables based on account-level valuation methods and employs proprietary statistical and behavioral models. This helps the Company to value the portfolios accurately and ensure significant returns. The tax lien transfer segment focuses on the property tax financing industry. The Company's main activity is to originate and service property tax lien transfers in the state of Texas. It competes with a wide range of collection companies, financial services companies, and a number of well-funded entrants with limited experience in its industry. It also competes with traditional contingency collection agencies and in-house recovery departments.

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