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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 0.08
ECPG's Cash to Debt is ranked higher than
62% of the 125 Companies
in the Global Credit Services industry.

( Industry Median: 0.12 vs. ECPG: 0.08 )
ECPG' s 10-Year Cash to Debt Range
Min: 0.01   Max: No Debt
Current: 0.08

Equity to Asset 0.16
ECPG's Equity to Asset is ranked higher than
61% of the 134 Companies
in the Global Credit Services industry.

( Industry Median: 0.21 vs. ECPG: 0.16 )
ECPG' s 10-Year Equity to Asset Range
Min: -0.03   Max: 0.59
Current: 0.16

-0.03
0.59
Interest Coverage 2.71
ECPG's Interest Coverage is ranked higher than
66% of the 103 Companies
in the Global Credit Services industry.

( Industry Median: 3.44 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: 3
Z-Score: 0.77
M-Score: -2.17
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
68% of the 130 Companies
in the Global Credit Services industry.

( Industry Median: 25.65 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 136 Companies
in the Global Credit Services industry.

( Industry Median: 16.33 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
75% of the 137 Companies
in the Global Credit Services industry.

( Industry Median: 13.17 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
70% of the 138 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 129 Companies
in the Global Credit Services industry.

( Industry Median: 33.33 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 123 Companies
in the Global Credit Services industry.

( Industry Median: 7.80 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
95% of the 101 Companies
in the Global Credit Services industry.

( Industry Median: 10.20 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
70% of the 98 Companies
in the Global Credit Services industry.

( Industry Median: 18.20 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

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
Q1 2014

ECPG Guru Trades in Q1 2014

Jim Simons 224,828 sh (+66.66%)
Paul Tudor Jones 8,000 sh (+48.15%)
» 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 $ 42.8446%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...

Ratios

vs
industry
vs
history
P/E(ttm) 14.70
ECPG's P/E(ttm) is ranked higher than
72% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 15.00 vs. ECPG: 14.70 )
ECPG' s 10-Year P/E(ttm) Range
Min: 4.29   Max: 28.4
Current: 14.7

4.29
28.4
P/B 2.00
ECPG's P/B is ranked higher than
63% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 1.59 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 1.30
ECPG's P/S is ranked higher than
85% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 2.67 vs. ECPG: 1.30 )
ECPG' s 10-Year P/S Range
Min: 0.26   Max: 3.14
Current: 1.3

0.26
3.14
PFCF 36.40
ECPG's PFCF is ranked higher than
70% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 36.62 vs. ECPG: 36.40 )
ECPG' s 10-Year PFCF Range
Min: 1.11   Max: 41.62
Current: 36.4

1.11
41.62
EV-to-EBIT 15.45
ECPG's EV-to-EBIT is ranked higher than
78% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 20.85 vs. ECPG: 15.45 )
ECPG' s 10-Year EV-to-EBIT Range
Min: 0.2   Max: 18
Current: 15.45

0.2
18
PEG 0.50
ECPG's PEG is ranked higher than
89% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 2.19 vs. ECPG: 0.50 )
ECPG' s 10-Year PEG Range
Min: 0.15   Max: 20.93
Current: 0.5

0.15
20.93
Shiller P/E 19.80
ECPG's Shiller P/E is ranked higher than
78% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 27.26 vs. ECPG: 19.80 )
ECPG' s 10-Year Shiller P/E Range
Min: 3.11   Max: 35.94
Current: 19.8

3.11
35.94
Current Ratio 3.25
ECPG's Current Ratio is ranked higher than
83% of the 84 Companies
in the Global Credit Services industry.

( Industry Median: 2.05 vs. ECPG: 3.25 )
ECPG' s 10-Year Current Ratio Range
Min: 0.27   Max: 26.93
Current: 3.25

0.27
26.93
Quick Ratio 3.25
ECPG's Quick Ratio is ranked higher than
83% of the 84 Companies
in the Global Credit Services industry.

( Industry Median: 2.05 vs. ECPG: 3.25 )
ECPG' s 10-Year Quick Ratio Range
Min: 0.27   Max: 26.93
Current: 3.25

0.27
26.93

Valuation & Return

vs
industry
vs
history
Price/DCF (Projected) 0.82
ECPG's Price/DCF (Projected) is ranked higher than
84% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 3.12 vs. ECPG: 0.82 )
ECPG' s 10-Year Price/DCF (Projected) Range
Min: 0.21   Max: 2.48
Current: 0.82

0.21
2.48
Price/Median PS Value 0.96
ECPG's Price/Median PS Value is ranked higher than
86% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 1.31 vs. ECPG: 0.96 )
ECPG' s 10-Year Price/Median PS Value Range
Min: 0.03   Max: 2.25
Current: 0.96

0.03
2.25
Price/Peter Lynch Fair Value 0.58
ECPG's Price/Peter Lynch Fair Value is ranked higher than
90% of the 147 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. ECPG: 0.58 )
ECPG' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.38   Max: 2.26
Current: 0.58

0.38
2.26
Earnings Yield (Greenblatt) 6.50
ECPG's Earnings Yield (Greenblatt) is ranked higher than
73% of the 134 Companies
in the Global Credit Services industry.

( Industry Median: 6.00 vs. ECPG: 6.50 )
ECPG' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5.6   Max: 481.5
Current: 6.5

5.6
481.5
Forward Rate of Return (Yacktman) 34.40
ECPG's Forward Rate of Return (Yacktman) is ranked higher than
88% of the 122 Companies
in the Global Credit Services industry.

( Industry Median: 13.11 vs. ECPG: 34.40 )
ECPG' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -4   Max: 71
Current: 34.4

-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.
» More Articles for ECPG

Headlines

Articles On GuruFocus.com
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 
comment on ECPG Jan 04 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 
Encore Capital Group Inc (ECPG) President & CEO J Brandon Black sells 12,200 Shares Nov 12 2010 


More From Other Websites
Encore Capital Group to Announce Second Quarter 2014 Financial Results on August 7 Jul 17 2014
Encore Capital Group to Announce Second Quarter 2014 Financial Results on August 7 Jul 17 2014
ENCORE CAPITAL GROUP INC Files SEC form 8-K, Change in Directors or Principal Officers Jul 16 2014
Encore Capital Group Announces Commitment to Hire Veterans and their Spouses Jul 03 2014
Encore Capital Group Announces Commitment to Hire Veterans and their Spouses Jul 03 2014
ENCORE CAPITAL GROUP INC Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Jun 11 2014
ENCORE CAPITAL GROUP INC Files SEC form 8-K, Regulation FD Disclosure Jun 05 2014
Encore Capital Group to Present at the Morgan Stanley Financials Conference and the William Blair... Jun 04 2014
ENCORE CAPITAL GROUP INC Files SEC form 8-K, Entry into a Material Definitive Agreement May 20 2014
ENCORE CAPITAL GROUP INC Financials May 16 2014
Encore Capital Group Inc Stock Downgraded (ECPG) May 12 2014
Is A Short Squeeze Ahead for Encore Capital (ECPG)? May 12 2014
Encore Capital Group's (ECPG) Ken Vecchione on Q1 2014 Results - Earnings Call Transcript May 11 2014
Encore Capital stands to gain from industry consolidation, says Janney Capital May 09 2014
ENCORE CAPITAL GROUP INC Files SEC form 8-K, Results of Operations and Financial Condition,... May 08 2014
Encore Capital announces approval of $50M share repurchase May 08 2014
Encore Capital reports Q1 EPS $1.08, consensus $1.06 May 08 2014
Encore Capital Group Announces First Quarter 2014 Financial Results; Diversification and Expansion... May 08 2014
Q1 2014 Encore Capital Group Earnings Release - After Market Close May 08 2014
ENCORE CAPITAL GROUP INC Files SEC form 8-K, Other Events, Financial Statements and Exhibits Apr 30 2014

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