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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.05
ECPG's Cash to Debt is ranked lower than
68% of the 1379 Companies
in the Global Asset Management industry.

( Industry Median: 10000.00 vs. ECPG: 0.05 )
ECPG' s 10-Year Cash to Debt Range
Min: 0.01   Max: 3.07
Current: 0.05

0.01
3.07
Equity to Asset 0.17
ECPG's Equity to Asset is ranked lower than
66% of the 1564 Companies
in the Global Asset Management industry.

( Industry Median: 0.82 vs. ECPG: 0.17 )
ECPG' s 10-Year Equity to Asset Range
Min: -0.03   Max: 0.52
Current: 0.17

-0.03
0.52
Interest Coverage 1.91
ECPG's Interest Coverage is ranked lower than
70% of the 1292 Companies
in the Global Asset Management industry.

( Industry Median: 2075.16 vs. ECPG: 1.91 )
ECPG' s 10-Year Interest Coverage Range
Min: 0.09   Max: 6.07
Current: 1.91

0.09
6.07
F-Score: 5
Z-Score: 1.02
M-Score: -2.28
WACC vs ROIC
6.37%
6.97%
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 : 8/10

vs
industry
vs
history
Operating margin (%) 29.78
ECPG's Operating margin (%) is ranked higher than
57% of the 1600 Companies
in the Global Asset Management industry.

( Industry Median: 49.26 vs. ECPG: 29.78 )
ECPG' s 10-Year Operating margin (%) Range
Min: -63.15   Max: 57.62
Current: 29.78

-63.15
57.62
Net-margin (%) 9.67
ECPG's Net-margin (%) is ranked lower than
51% of the 1602 Companies
in the Global Asset Management industry.

( Industry Median: 46.96 vs. ECPG: 9.67 )
ECPG' s 10-Year Net-margin (%) Range
Min: -64.91   Max: 27.14
Current: 9.67

-64.91
27.14
ROE (%) 17.78
ECPG's ROE (%) is ranked higher than
86% of the 1627 Companies
in the Global Asset Management industry.

( Industry Median: 7.99 vs. ECPG: 17.78 )
ECPG' s 10-Year ROE (%) Range
Min: -281.44   Max: 160.49
Current: 17.78

-281.44
160.49
ROA (%) 3.02
ECPG's ROA (%) is ranked higher than
60% of the 1647 Companies
in the Global Asset Management industry.

( Industry Median: 4.78 vs. ECPG: 3.02 )
ECPG' s 10-Year ROA (%) Range
Min: -27.49   Max: 16.45
Current: 3.02

-27.49
16.45
ROC (Joel Greenblatt) (%) 201.55
ECPG's ROC (Joel Greenblatt) (%) is ranked higher than
75% of the 1049 Companies
in the Global Asset Management industry.

( Industry Median: 81.02 vs. ECPG: 201.55 )
ECPG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -37.61   Max: 2391.34
Current: 201.55

-37.61
2391.34
Revenue Growth (3Y)(%) 30.70
ECPG's Revenue Growth (3Y)(%) is ranked higher than
90% of the 968 Companies
in the Global Asset Management industry.

( Industry Median: 2.70 vs. ECPG: 30.70 )
ECPG' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0.6   Max: 30.7
Current: 30.7

0.6
30.7
EBITDA Growth (3Y)(%) 37.00
ECPG's EBITDA Growth (3Y)(%) is ranked higher than
90% of the 840 Companies
in the Global Asset Management industry.

( Industry Median: 4.30 vs. ECPG: 37.00 )
ECPG' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -39.2   Max: 80.4
Current: 37

-39.2
80.4
EPS Growth (3Y)(%) 17.50
ECPG's EPS Growth (3Y)(%) is ranked higher than
78% of the 813 Companies
in the Global Asset Management industry.

( Industry Median: 6.70 vs. ECPG: 17.50 )
ECPG' s 10-Year EPS Growth (3Y)(%) Range
Min: -23.2   Max: 58.7
Current: 17.5

-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 2014

ECPG Guru Trades in Q1 2014

Jim Simons 224,828 sh (+66.66%)
Paul Tudor Jones 8,000 sh (+48.15%)
» More
Q2 2014

ECPG Guru Trades in Q2 2014

David Dreman 1,305 sh (New)
Paul Tudor Jones Sold Out
Jim Simons 210,505 sh (-6.37%)
» More
Q3 2014

ECPG Guru Trades in Q3 2014

Steven Cohen 124,800 sh (New)
David Dreman 1,388 sh (+6.36%)
Jim Simons Sold Out
» More
Q4 2014

ECPG Guru Trades in Q4 2014

Paul Tudor Jones 8,500 sh (New)
David Dreman Sold Out
Steven Cohen 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%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 11.20
ECPG's P/E(ttm) is ranked higher than
79% of the 1831 Companies
in the Global Asset Management industry.

( Industry Median: 22.00 vs. ECPG: 11.20 )
ECPG' s 10-Year P/E(ttm) Range
Min: 4.29   Max: 28.4
Current: 11.2

4.29
28.4
Forward P/E 7.36
ECPG's Forward P/E is ranked higher than
98% of the 1831 Companies
in the Global Asset Management industry.

( Industry Median: 0.00 vs. ECPG: 7.36 )
N/A
PE(NRI) 11.00
ECPG's PE(NRI) is ranked higher than
80% of the 1831 Companies
in the Global Asset Management industry.

( Industry Median: 23.10 vs. ECPG: 11.00 )
ECPG' s 10-Year PE(NRI) Range
Min: 4.29   Max: 28.3
Current: 11

4.29
28.3
P/B 1.74
ECPG's P/B is ranked lower than
54% of the 1831 Companies
in the Global Asset Management industry.

( Industry Median: 1.05 vs. ECPG: 1.74 )
ECPG' s 10-Year P/B Range
Min: 0.31   Max: 5.65
Current: 1.74

0.31
5.65
P/S 1.08
ECPG's P/S is ranked higher than
93% of the 1831 Companies
in the Global Asset Management industry.

( Industry Median: 9.68 vs. ECPG: 1.08 )
ECPG' s 10-Year P/S Range
Min: 0.26   Max: 3.14
Current: 1.08

0.26
3.14
PFCF 13.03
ECPG's PFCF is ranked higher than
93% of the 1831 Companies
in the Global Asset Management industry.

( Industry Median: 0.00 vs. ECPG: 13.03 )
ECPG' s 10-Year PFCF Range
Min: 1.11   Max: 41.26
Current: 13.03

1.11
41.26
POCF 10.32
ECPG's POCF is ranked higher than
89% of the 1831 Companies
in the Global Asset Management industry.

( Industry Median: 270.00 vs. ECPG: 10.32 )
ECPG' s 10-Year POCF Range
Min: 1.08   Max: 28.64
Current: 10.32

1.08
28.64
EV-to-EBIT 11.71
ECPG's EV-to-EBIT is ranked higher than
82% of the 1831 Companies
in the Global Asset Management industry.

( Industry Median: 26.27 vs. ECPG: 11.71 )
ECPG' s 10-Year EV-to-EBIT Range
Min: -2.9   Max: 18
Current: 11.71

-2.9
18
PEG 0.36
ECPG's PEG is ranked higher than
98% of the 1831 Companies
in the Global Asset Management industry.

( Industry Median: 0.00 vs. ECPG: 0.36 )
ECPG' s 10-Year PEG Range
Min: 0.17   Max: 20.93
Current: 0.36

0.17
20.93
Shiller P/E 16.41
ECPG's Shiller P/E is ranked higher than
83% of the 1831 Companies
in the Global Asset Management industry.

( Industry Median: 0.00 vs. ECPG: 16.41 )
ECPG' s 10-Year Shiller P/E Range
Min: 3.11   Max: 35.94
Current: 16.41

3.11
35.94
Current Ratio 1.80
ECPG's Current Ratio is ranked higher than
55% of the 1080 Companies
in the Global Asset Management industry.

( Industry Median: 2.80 vs. ECPG: 1.80 )
ECPG' s 10-Year Current Ratio Range
Min: 0.27   Max: 17.13
Current: 1.8

0.27
17.13
Quick Ratio 1.80
ECPG's Quick Ratio is ranked higher than
56% of the 1080 Companies
in the Global Asset Management industry.

( Industry Median: 2.66 vs. ECPG: 1.80 )
ECPG' s 10-Year Quick Ratio Range
Min: 0.27   Max: 17.13
Current: 1.8

0.27
17.13
Days Sales Outstanding 100.13
ECPG's Days Sales Outstanding is ranked higher than
65% of the 1831 Companies
in the Global Asset Management industry.

( Industry Median: 104.86 vs. ECPG: 100.13 )
ECPG' s 10-Year Days Sales Outstanding Range
Min: 2.51   Max: 1139.01
Current: 100.13

2.51
1139.01

Valuation & Return

vs
industry
vs
history
Price/DCF (Projected) 0.69
ECPG's Price/DCF (Projected) is ranked higher than
96% of the 1831 Companies
in the Global Asset Management industry.

( Industry Median: 0.00 vs. ECPG: 0.69 )
ECPG' s 10-Year Price/DCF (Projected) Range
Min: 0.35   Max: 2.25
Current: 0.69

0.35
2.25
Price/Median PS Value 0.82
ECPG's Price/Median PS Value is ranked higher than
89% of the 1831 Companies
in the Global Asset Management industry.

( Industry Median: 1.40 vs. ECPG: 0.82 )
ECPG' s 10-Year Price/Median PS Value Range
Min: 0.03   Max: 2.35
Current: 0.82

0.03
2.35
Price/Peter Lynch Fair Value 0.44
ECPG's Price/Peter Lynch Fair Value is ranked higher than
97% of the 1831 Companies
in the Global Asset Management industry.

( Industry Median: 0.00 vs. ECPG: 0.44 )
ECPG' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.4   Max: 1.7
Current: 0.44

0.4
1.7
Earnings Yield (Greenblatt) 8.50
ECPG's Earnings Yield (Greenblatt) is ranked higher than
79% of the 1602 Companies
in the Global Asset Management industry.

( Industry Median: 4.80 vs. ECPG: 8.50 )
ECPG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5.6   Max: 481.5
Current: 8.5

5.6
481.5
Forward Rate of Return (Yacktman) 37.26
ECPG's Forward Rate of Return (Yacktman) is ranked higher than
91% of the 647 Companies
in the Global Asset Management industry.

( Industry Median: 6.82 vs. ECPG: 37.26 )
ECPG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -2.6   Max: 63.9
Current: 37.26

-2.6
63.9

Business Description

Industry: Asset Management » Asset Management
Compare:V, MA, TCAP, DFS, COF » details
Traded in other countries:ECP.Germany,
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 they 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 and 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.
» More Articles for ECPG

Headlines

Articles On GuruFocus.com
From The Land of What If - Smart Proteins and Debt Collectors Sep 29 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 
comment on ECPG Jan 04 2013 
Encore Capital Group Inc (ECPG) Executive VP, CFO & Treasurer Paul Grinberg sells 6,156 Shares Mar 05 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 
Encore Capital Group Inc (ECPG) President & CEO J Brandon Black sells 12,200 Shares Nov 12 2010 

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