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Also traded in: Germany

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 : 3/10

vs
industry
vs
history
Cash to Debt 0.06
ECPG's Cash to Debt is ranked lower than
93% of the 1579 Companies
in the Global Asset Management industry.

( Industry Median: 9999.00 vs. ECPG: 0.06 )
Ranked among companies with meaningful Cash to Debt only.
ECPG' s Cash to Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.48 Max: 4.59
Current: 0.06
0.01
4.59
Equity to Asset 0.16
ECPG's Equity to Asset is ranked lower than
92% of the 1451 Companies
in the Global Asset Management industry.

( Industry Median: 0.84 vs. ECPG: 0.16 )
Ranked among companies with meaningful Equity to Asset only.
ECPG' s Equity to Asset Range Over the Past 10 Years
Min: -0.03  Med: 0.35 Max: 0.59
Current: 0.16
-0.03
0.59
Interest Coverage 1.01
ECPG's Interest Coverage is ranked lower than
95% of the 1375 Companies
in the Global Asset Management industry.

( Industry Median: 889.39 vs. ECPG: 1.01 )
Ranked among companies with meaningful Interest Coverage only.
ECPG' s Interest Coverage Range Over the Past 10 Years
Min: 1.01  Med: 2.8 Max: 6.03
Current: 1.01
1.01
6.03
F-Score: 4
Z-Score: 0.82
M-Score: -3.47
WACC vs ROIC
6.56%
-1.59%
WACC
ROIC
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 (%) 18.65
ECPG's Operating margin (%) is ranked lower than
65% of the 1473 Companies
in the Global Asset Management industry.

( Industry Median: 46.87 vs. ECPG: 18.65 )
Ranked among companies with meaningful Operating margin (%) only.
ECPG' s Operating margin (%) Range Over the Past 10 Years
Min: 15.24  Med: 25.55 Max: 29.78
Current: 18.65
15.24
29.78
Net-margin (%) 4.89
ECPG's Net-margin (%) is ranked lower than
71% of the 1476 Companies
in the Global Asset Management industry.

( Industry Median: 35.09 vs. ECPG: 4.89 )
Ranked among companies with meaningful Net-margin (%) only.
ECPG' s Net-margin (%) Range Over the Past 10 Years
Min: 3.89  Med: 9.71 Max: 13.04
Current: 4.89
3.89
13.04
ROE (%) 8.72
ECPG's ROE (%) is ranked higher than
68% of the 1585 Companies
in the Global Asset Management industry.

( Industry Median: 3.05 vs. ECPG: 8.72 )
Ranked among companies with meaningful ROE (%) only.
ECPG' s ROE (%) Range Over the Past 10 Years
Min: 7.39  Med: 16.38 Max: 18.08
Current: 8.72
7.39
18.08
ROA (%) 1.35
ECPG's ROA (%) is ranked lower than
53% of the 1614 Companies
in the Global Asset Management industry.

( Industry Median: 1.74 vs. ECPG: 1.35 )
Ranked among companies with meaningful ROA (%) only.
ECPG' s ROA (%) Range Over the Past 10 Years
Min: 1.14  Med: 4.84 Max: 7.87
Current: 1.35
1.14
7.87
ROC (Joel Greenblatt) (%) 273.09
ECPG's ROC (Joel Greenblatt) (%) is ranked higher than
74% of the 970 Companies
in the Global Asset Management industry.

( Industry Median: 35.86 vs. ECPG: 273.09 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
ECPG' s ROC (Joel Greenblatt) (%) Range Over the Past 10 Years
Min: 158.38  Med: 795.81 Max: 1393.94
Current: 273.09
158.38
1393.94
Revenue Growth (3Y)(%) 26.50
ECPG's Revenue Growth (3Y)(%) is ranked higher than
82% of the 1017 Companies
in the Global Asset Management industry.

( Industry Median: 0.30 vs. ECPG: 26.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ECPG' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0.6  Med: 17.9 Max: 29.6
Current: 26.5
0.6
29.6
EBITDA Growth (3Y)(%) 18.30
ECPG's EBITDA Growth (3Y)(%) is ranked higher than
71% of the 853 Companies
in the Global Asset Management industry.

( Industry Median: 0.80 vs. ECPG: 18.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ECPG' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -39.1  Med: 26.05 Max: 80.3
Current: 18.3
-39.1
80.3
EPS Growth (3Y)(%) -17.80
ECPG's EPS Growth (3Y)(%) is ranked lower than
72% of the 765 Companies
in the Global Asset Management industry.

( Industry Median: 3.80 vs. ECPG: -17.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ECPG' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -23.2  Med: 15.7 Max: 58.7
Current: -17.8
-23.2
58.7
» ECPG's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2015

ECPG Guru Trades in Q4 2015

Paul Tudor Jones 16,194 sh (New)
Jeremy Grantham 38,000 sh (unchged)
» More
Q1 2016

ECPG Guru Trades in Q1 2016

Paul Tudor Jones Sold Out
Jeremy Grantham 32,100 sh (-15.53%)
» More
Q2 2016

ECPG Guru Trades in Q2 2016

Jeremy Grantham 10,904 sh (-66.03%)
» More
Q3 2016

ECPG Guru Trades in Q3 2016

Jeremy Grantham Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with ECPG

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Asset Management » Asset Management    NAICS: 523920    SIC: 6799
Compare:NAS:DHIL, AMEX:GGN, NYSE:NMZ, NYSE:FEI, NAS:VRTS, OTCPK:TCNGF, NYSE:PZN, NYSE:NKX, NYSE:IFN, AMEX:MVF, NYSE:MC, AMEX:EIM, NYSE:NID, AMEX:EAD, OTCPK:ENDTF, NAS:SLRC, NYSE:NXJ, NAS:TCPC, NYSE:FSD, ARCA:PSLV » details
Traded in other countries:ECP.Germany,
Encore Capital Group Inc is a specialty finance company. The Company is engaged in providing debt recovery solutions for consumers and property owners.

Encore Capital Group Inc was incorporated in Delaware in 1999. The Company is a specialty finance company providing debt recovery solutions for consumers and property owners. The Company purchase portfolios of defaulted consumer receivables at deep discounts to face value and manage them by working with individuals as the consumer repay their obligations and work toward financial recovery. Defaulted receivables are consumers unpaid financial commitments to credit originators, including banks, credit unions, consumer finance companies, commercial retailers, and telecommunication companies. It conducts business through two reportable segments: portfolio purchasing & recovery, and tax lien business. Its portfolio purchasing and recovery segment purchases receivables based on robust, account-level valuation methods and employs proprietary statistical and behavioral models across the full extent of its operations. These investments allow the Company to value portfolios accurately (and limit the risk of overpaying), avoid buying portfolios that are incompatible with its methods or goals and align the accounts it purchase with its operational channels to maximize future collections. Its tax lien business segment focuses on the property tax financing industry. Through its subsidiary Propel the Company assist Texas and Nevada property owners who are delinquent on their property taxes by paying these taxes on behalf of the property owners in exchange for payment agreements collateralized by a tax lien on the property. Propels main activities are the acquisition and servicing of residential and commercial tax liens on real property. Propel pays their tax lien obligation to the taxing authority and the property owner pays Propel over time at a lower interest rate than is being assessed by the taxing authority. Propel also purchases Tax Liens in various other states directly from taxing authorities, securing rights to future property tax payments, interest and penalties. Its portfolio purchase and recovery business includes accounts originated in the United States, the United Kingdom, Ireland, Colombia and Peru. The Company competes with various collection and financial services companies. It also competes with traditional contingency collection agencies and in-house recovery departments. Its debt purchasing and collection activities are subject to federal, state, and municipal statutes, rules, regulations, and ordinances that establish specific guidelines and procedures that debt purchasers and collectors must follow when collecting consumer accounts.

Ratios

vs
industry
vs
history
P/E(ttm) 14.58
ECPG's P/E(ttm) is ranked higher than
55% of the 1062 Companies
in the Global Asset Management industry.

( Industry Median: 14.86 vs. ECPG: 14.58 )
Ranked among companies with meaningful P/E(ttm) only.
ECPG' s P/E(ttm) Range Over the Past 10 Years
Min: 4.29  Med: 12.24 Max: 21.3
Current: 14.58
4.29
21.3
PE(NRI) 12.40
ECPG's PE(NRI) is ranked higher than
62% of the 1071 Companies
in the Global Asset Management industry.

( Industry Median: 15.21 vs. ECPG: 12.40 )
Ranked among companies with meaningful PE(NRI) only.
ECPG' s PE(NRI) Range Over the Past 10 Years
Min: 4.29  Med: 12.09 Max: 21.3
Current: 12.4
4.29
21.3
P/B 1.29
ECPG's P/B is ranked lower than
72% of the 1556 Companies
in the Global Asset Management industry.

( Industry Median: 0.97 vs. ECPG: 1.29 )
Ranked among companies with meaningful P/B only.
ECPG' s P/B Range Over the Past 10 Years
Min: 0.32  Med: 1.65 Max: 3.53
Current: 1.29
0.32
3.53
P/S 0.69
ECPG's P/S is ranked higher than
92% of the 1219 Companies
in the Global Asset Management industry.

( Industry Median: 6.85 vs. ECPG: 0.69 )
Ranked among companies with meaningful P/S only.
ECPG' s P/S Range Over the Past 10 Years
Min: 0.26  Med: 1.19 Max: 2
Current: 0.69
0.26
2
PFCF 7.24
ECPG's PFCF is ranked higher than
76% of the 238 Companies
in the Global Asset Management industry.

( Industry Median: 15.81 vs. ECPG: 7.24 )
Ranked among companies with meaningful PFCF only.
ECPG' s PFCF Range Over the Past 10 Years
Min: 1.1  Med: 8.39 Max: 38.86
Current: 7.24
1.1
38.86
POCF 5.72
ECPG's POCF is ranked higher than
79% of the 758 Companies
in the Global Asset Management industry.

( Industry Median: 15.77 vs. ECPG: 5.72 )
Ranked among companies with meaningful POCF only.
ECPG' s POCF Range Over the Past 10 Years
Min: 1.07  Med: 7.83 Max: 27.17
Current: 5.72
1.07
27.17
EV-to-EBIT 15.94
ECPG's EV-to-EBIT is ranked lower than
54% of the 1020 Companies
in the Global Asset Management industry.

( Industry Median: 14.21 vs. ECPG: 15.94 )
Ranked among companies with meaningful EV-to-EBIT only.
ECPG' s EV-to-EBIT Range Over the Past 10 Years
Min: -2.4  Med: 9.3 Max: 18.4
Current: 15.94
-2.4
18.4
EV-to-EBITDA 13.69
ECPG's EV-to-EBITDA is ranked lower than
51% of the 1036 Companies
in the Global Asset Management industry.

( Industry Median: 13.04 vs. ECPG: 13.69 )
Ranked among companies with meaningful EV-to-EBITDA only.
ECPG' s EV-to-EBITDA Range Over the Past 10 Years
Min: -2.3  Med: 8.8 Max: 17.2
Current: 13.69
-2.3
17.2
PEG 0.44
ECPG's PEG is ranked higher than
72% of the 229 Companies
in the Global Asset Management industry.

( Industry Median: 1.08 vs. ECPG: 0.44 )
Ranked among companies with meaningful PEG only.
ECPG' s PEG Range Over the Past 10 Years
Min: 0.17  Med: 0.48 Max: 16.24
Current: 0.44
0.17
16.24
Shiller P/E 13.85
ECPG's Shiller P/E is ranked higher than
78% of the 385 Companies
in the Global Asset Management industry.

( Industry Median: 18.17 vs. ECPG: 13.85 )
Ranked among companies with meaningful Shiller P/E only.
ECPG' s Shiller P/E Range Over the Past 10 Years
Min: 8.56  Med: 22.46 Max: 116.09
Current: 13.85
8.56
116.09
Current Ratio 0.73
ECPG's Current Ratio is ranked lower than
89% of the 1072 Companies
in the Global Asset Management industry.

( Industry Median: 4.25 vs. ECPG: 0.73 )
Ranked among companies with meaningful Current Ratio only.
ECPG' s Current Ratio Range Over the Past 10 Years
Min: 0.25  Med: 3.74 Max: 26.93
Current: 0.73
0.25
26.93
Quick Ratio 0.73
ECPG's Quick Ratio is ranked lower than
88% of the 1072 Companies
in the Global Asset Management industry.

( Industry Median: 4.16 vs. ECPG: 0.73 )
Ranked among companies with meaningful Quick Ratio only.
ECPG' s Quick Ratio Range Over the Past 10 Years
Min: 0.25  Med: 3.74 Max: 26.93
Current: 0.73
0.25
26.93

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -2.90
ECPG's 3-Year Average Share Buyback Ratio is ranked lower than
58% of the 872 Companies
in the Global Asset Management industry.

( Industry Median: -1.30 vs. ECPG: -2.90 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
ECPG' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -45.8  Med: -1.7 Max: 0.2
Current: -2.9
-45.8
0.2

Valuation & Return

vs
industry
vs
history
Price/Projected FCF 0.45
ECPG's Price/Projected FCF is ranked higher than
90% of the 469 Companies
in the Global Asset Management industry.

( Industry Median: 1.02 vs. ECPG: 0.45 )
Ranked among companies with meaningful Price/Projected FCF only.
ECPG' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.21  Med: 0.63 Max: 2.39
Current: 0.45
0.21
2.39
Price/Median PS Value 0.61
ECPG's Price/Median PS Value is ranked higher than
84% of the 752 Companies
in the Global Asset Management industry.

( Industry Median: 1.00 vs. ECPG: 0.61 )
Ranked among companies with meaningful Price/Median PS Value only.
ECPG' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.03  Med: 0.98 Max: 2.63
Current: 0.61
0.03
2.63
Price/Peter Lynch Fair Value 0.52
ECPG's Price/Peter Lynch Fair Value is ranked higher than
77% of the 102 Companies
in the Global Asset Management industry.

( Industry Median: 0.91 vs. ECPG: 0.52 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
ECPG' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.38  Med: 0.6 Max: 2.35
Current: 0.52
0.38
2.35
Earnings Yield (Greenblatt) (%) 6.28
ECPG's Earnings Yield (Greenblatt) (%) is ranked higher than
63% of the 1491 Companies
in the Global Asset Management industry.

( Industry Median: 4.00 vs. ECPG: 6.28 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ECPG' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 5.4  Med: 10.7 Max: 499.5
Current: 6.28
5.4
499.5
Forward Rate of Return (Yacktman) (%) 35.90
ECPG's Forward Rate of Return (Yacktman) (%) is ranked higher than
87% of the 432 Companies
in the Global Asset Management industry.

( Industry Median: 5.67 vs. ECPG: 35.90 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
ECPG' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -2.3  Med: 31.2 Max: 63.9
Current: 35.9
-2.3
63.9

More Statistics

Revenue (TTM) (Mil) $1,080
EPS (TTM) $ 2.03
Beta1.61
Short Percentage of Float35.07%
52-Week Range $16.09 - 31.96
Shares Outstanding (Mil)25.53

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 1,258 1,426 1,573
EPS ($) 5.35 6.13 7.32
EPS w/o NRI ($) 5.35 6.13 7.32
EPS Growth Rate
(3Y to 5Y Estimate)
18.00%
Dividends Per Share ($)
» More Articles for ECPG

Headlines

Articles On GuruFocus.com
Screening Based on PEG Ratio With Estimated Growth and Price Momentum - November Nov 17 2015 
Screening Based on PEG Ratio With Estimated Growth and Price Momentum Sep 17 2015 
From The Land of What If - Smart Proteins and Debt Collectors Sep 28 2013 
Guru Behaviors Differ - Encore Buys AACC Apr 26 2013 
D3 Reduces AACC as Encore Acquisition Nears Apr 17 2013 
Nature's Sunshine CEO Resigns and Director Buys 365,000 Shares Mar 12 2013 
Encore Capital Group Inc (ECPG) Executive VP, CFO & Treasurer Paul Grinberg sells 6,156 Shares Mar 04 2011 
Encore Capital Group Inc (ECPG) Executive VP, CFO & Treasurer Paul Grinberg sells 6,098 Shares Feb 04 2011 
Encore Capital Group Inc (ECPG) Executive VP, CFO & Treasurer Paul Grinberg sells 6,156 Shares Jan 05 2011 
Encore Capital Group Inc (ECPG) Executive VP, CFO & Treasurer Paul Grinberg sells 6,156 Shares Dec 06 2010 

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