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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 0.04
ECPG's Cash to Debt is ranked lower than
97% of the 1214 Companies
in the Global Asset Management industry.

( Industry Median: 9999.00 vs. ECPG: 0.04 )
Ranked among companies with meaningful Cash to Debt only.
ECPG' s 10-Year Cash to Debt Range
Min: 0.01  Med: 0.63 Max: N/A
Current: 0.04
Equity to Asset 0.16
ECPG's Equity to Asset is ranked lower than
93% of the 1265 Companies
in the Global Asset Management industry.

( Industry Median: 0.86 vs. ECPG: 0.16 )
Ranked among companies with meaningful Equity to Asset only.
ECPG' s 10-Year Equity to Asset Range
Min: -0.03  Med: 0.35 Max: 0.59
Current: 0.16
-0.03
0.59
Interest Coverage 1.91
ECPG's Interest Coverage is ranked lower than
95% of the 1128 Companies
in the Global Asset Management industry.

( Industry Median: 10000.00 vs. ECPG: 1.91 )
Ranked among companies with meaningful Interest Coverage only.
ECPG' s 10-Year Interest Coverage Range
Min: 0.09  Med: 2.44 Max: 6.03
Current: 1.91
0.09
6.03
F-Score: 4
Z-Score: 0.99
M-Score: -2.42
WACC vs ROIC
6.18%
6.92%
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 (%) 30.71
ECPG's Operating margin (%) is ranked lower than
61% of the 1364 Companies
in the Global Asset Management industry.

( Industry Median: 51.87 vs. ECPG: 30.71 )
Ranked among companies with meaningful Operating margin (%) only.
ECPG' s 10-Year Operating margin (%) Range
Min: -63.15  Med: 25.84 Max: 57.62
Current: 30.71
-63.15
57.62
Net-margin (%) 10.13
ECPG's Net-margin (%) is ranked lower than
70% of the 1369 Companies
in the Global Asset Management industry.

( Industry Median: 45.78 vs. ECPG: 10.13 )
Ranked among companies with meaningful Net-margin (%) only.
ECPG' s 10-Year Net-margin (%) Range
Min: -64.91  Med: 10.44 Max: 27.14
Current: 10.13
-64.91
27.14
ROE (%) 18.62
ECPG's ROE (%) is ranked higher than
85% of the 1412 Companies
in the Global Asset Management industry.

( Industry Median: 6.00 vs. ECPG: 18.62 )
Ranked among companies with meaningful ROE (%) only.
ECPG' s 10-Year ROE (%) Range
Min: -281.44  Med: 17.59 Max: 155.37
Current: 18.62
-281.44
155.37
ROA (%) 3.03
ECPG's ROA (%) is ranked lower than
54% of the 1430 Companies
in the Global Asset Management industry.

( Industry Median: 3.70 vs. ECPG: 3.03 )
Ranked among companies with meaningful ROA (%) only.
ECPG' s 10-Year ROA (%) Range
Min: -27.49  Med: 6.04 Max: 16.45
Current: 3.03
-27.49
16.45
ROC (Joel Greenblatt) (%) 201.42
ECPG's ROC (Joel Greenblatt) (%) is ranked higher than
68% of the 801 Companies
in the Global Asset Management industry.

( Industry Median: 33.08 vs. ECPG: 201.42 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
ECPG' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -37.72  Med: 795.81 Max: 2413.8
Current: 201.42
-37.72
2413.8
Revenue Growth (3Y)(%) 29.00
ECPG's Revenue Growth (3Y)(%) is ranked higher than
78% of the 781 Companies
in the Global Asset Management industry.

( Industry Median: 5.30 vs. ECPG: 29.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ECPG' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0.6  Med: 15.25 Max: 29.6
Current: 29
0.6
29.6
EBITDA Growth (3Y)(%) 36.80
ECPG's EBITDA Growth (3Y)(%) is ranked higher than
78% of the 651 Companies
in the Global Asset Management industry.

( Industry Median: 5.30 vs. ECPG: 36.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ECPG' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -39.2  Med: 26.60 Max: 80.4
Current: 36.8
-39.2
80.4
EPS Growth (3Y)(%) 17.50
ECPG's EPS Growth (3Y)(%) is ranked higher than
62% of the 620 Companies
in the Global Asset Management industry.

( Industry Median: 8.20 vs. ECPG: 17.50 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ECPG' s 10-Year EPS Growth (3Y)(%) Range
Min: -23.2  Med: 16.50 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

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)
Steven Cohen Sold Out
David Dreman Sold Out
» More
Q1 2015

ECPG Guru Trades in Q1 2015

Paul Tudor Jones 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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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 9.14
ECPG's P/E(ttm) is ranked higher than
62% of the 1022 Companies
in the Global Asset Management industry.

( Industry Median: 12.70 vs. ECPG: 9.14 )
Ranked among companies with meaningful P/E(ttm) only.
ECPG' s 10-Year P/E(ttm) Range
Min: 4.29  Med: 12.39 Max: 28.4
Current: 9.14
4.29
28.4
Forward P/E 6.70
ECPG's Forward P/E is ranked higher than
90% of the 210 Companies
in the Global Asset Management industry.

( Industry Median: 12.84 vs. ECPG: 6.70 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 9.40
ECPG's PE(NRI) is ranked higher than
62% of the 1019 Companies
in the Global Asset Management industry.

( Industry Median: 12.80 vs. ECPG: 9.40 )
Ranked among companies with meaningful PE(NRI) only.
ECPG' s 10-Year PE(NRI) Range
Min: 4.29  Med: 12.33 Max: 28.3
Current: 9.4
4.29
28.3
P/B 1.55
ECPG's P/B is ranked lower than
79% of the 1346 Companies
in the Global Asset Management industry.

( Industry Median: 0.92 vs. ECPG: 1.55 )
Ranked among companies with meaningful P/B only.
ECPG' s 10-Year P/B Range
Min: 0.31  Med: 1.73 Max: 5.65
Current: 1.55
0.31
5.65
P/S 0.94
ECPG's P/S is ranked higher than
91% of the 1244 Companies
in the Global Asset Management industry.

( Industry Median: 7.00 vs. ECPG: 0.94 )
Ranked among companies with meaningful P/S only.
ECPG' s 10-Year P/S Range
Min: 0.26  Med: 1.28 Max: 3.14
Current: 0.94
0.26
3.14
PFCF 12.88
ECPG's PFCF is ranked higher than
51% of the 257 Companies
in the Global Asset Management industry.

( Industry Median: 13.44 vs. ECPG: 12.88 )
Ranked among companies with meaningful PFCF only.
ECPG' s 10-Year PFCF Range
Min: 1.11  Med: 9.07 Max: 31.07
Current: 12.88
1.11
31.07
POCF 9.87
ECPG's POCF is ranked higher than
63% of the 725 Companies
in the Global Asset Management industry.

( Industry Median: 15.18 vs. ECPG: 9.87 )
Ranked among companies with meaningful POCF only.
ECPG' s 10-Year POCF Range
Min: 1.08  Med: 8.47 Max: 24.04
Current: 9.87
1.08
24.04
EV-to-EBIT 11.43
ECPG's EV-to-EBIT is ranked higher than
58% of the 970 Companies
in the Global Asset Management industry.

( Industry Median: 13.41 vs. ECPG: 11.43 )
Ranked among companies with meaningful EV-to-EBIT only.
ECPG' s 10-Year EV-to-EBIT Range
Min: -2.9  Med: 7.10 Max: 18
Current: 11.43
-2.9
18
PEG 0.30
ECPG's PEG is ranked higher than
81% of the 174 Companies
in the Global Asset Management industry.

( Industry Median: 1.02 vs. ECPG: 0.30 )
Ranked among companies with meaningful PEG only.
ECPG' s 10-Year PEG Range
Min: 0.17  Med: 0.48 Max: 58.42
Current: 0.3
0.17
58.42
Shiller P/E 13.53
ECPG's Shiller P/E is ranked lower than
56% of the 651 Companies
in the Global Asset Management industry.

( Industry Median: 12.37 vs. ECPG: 13.53 )
Ranked among companies with meaningful Shiller P/E only.
ECPG' s 10-Year Shiller P/E Range
Min: 3.11  Med: 16.97 Max: 35.94
Current: 13.53
3.11
35.94
Current Ratio 2.12
ECPG's Current Ratio is ranked lower than
65% of the 904 Companies
in the Global Asset Management industry.

( Industry Median: 3.93 vs. ECPG: 2.12 )
Ranked among companies with meaningful Current Ratio only.
ECPG' s 10-Year Current Ratio Range
Min: 0.25  Med: 3.86 Max: 26.93
Current: 2.12
0.25
26.93
Quick Ratio 2.12
ECPG's Quick Ratio is ranked lower than
63% of the 904 Companies
in the Global Asset Management industry.

( Industry Median: 3.85 vs. ECPG: 2.12 )
Ranked among companies with meaningful Quick Ratio only.
ECPG' s 10-Year Quick Ratio Range
Min: 0.25  Med: 3.86 Max: 26.93
Current: 2.12
0.25
26.93
Days Sales Outstanding 102.54
ECPG's Days Sales Outstanding is ranked lower than
76% of the 960 Companies
in the Global Asset Management industry.

( Industry Median: 39.31 vs. ECPG: 102.54 )
Ranked among companies with meaningful Days Sales Outstanding only.
ECPG' s 10-Year Days Sales Outstanding Range
Min: 2.51  Med: 21.21 Max: 1139.01
Current: 102.54
2.51
1139.01

Valuation & Return

vs
industry
vs
history
Price/Projected FCF 0.62
ECPG's Price/Projected FCF is ranked higher than
81% of the 406 Companies
in the Global Asset Management industry.

( Industry Median: 1.06 vs. ECPG: 0.62 )
Ranked among companies with meaningful Price/Projected FCF only.
ECPG' s 10-Year Price/Projected FCF Range
Min: 0.21  Med: 0.67 Max: 2.48
Current: 0.62
0.21
2.48
Price/Median PS Value 0.73
ECPG's Price/Median PS Value is ranked higher than
76% of the 1086 Companies
in the Global Asset Management industry.

( Industry Median: 1.00 vs. ECPG: 0.73 )
Ranked among companies with meaningful Price/Median PS Value only.
ECPG' s 10-Year Price/Median PS Value Range
Min: 0.03  Med: 0.95 Max: 2.44
Current: 0.73
0.03
2.44
Price/Peter Lynch Fair Value 0.36
ECPG's Price/Peter Lynch Fair Value is ranked higher than
79% of the 163 Companies
in the Global Asset Management industry.

( Industry Median: 0.74 vs. ECPG: 0.36 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
ECPG' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.38  Med: 0.63 Max: 1.76
Current: 0.36
0.38
1.76
Earnings Yield (Greenblatt) (%) 8.80
ECPG's Earnings Yield (Greenblatt) (%) is ranked higher than
70% of the 1362 Companies
in the Global Asset Management industry.

( Industry Median: 4.70 vs. ECPG: 8.80 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ECPG' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 5.5  Med: 13.00 Max: 481.5
Current: 8.8
5.5
481.5
Forward Rate of Return (Yacktman) (%) 40.46
ECPG's Forward Rate of Return (Yacktman) (%) is ranked higher than
86% of the 449 Companies
in the Global Asset Management industry.

( Industry Median: 6.53 vs. ECPG: 40.46 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
ECPG' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -2.6  Med: 18.70 Max: 63.9
Current: 40.46
-2.6
63.9

Analyst Estimate

Dec15 Dec16 Dec17
Revenue(Mil) 1,208 1,344 1,570
EPS($) 4.90 5.76 7.06
EPS without NRI($) 4.90 5.76 7.06

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 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 

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