Switch to:
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 : 6/10

vs
industry
vs
history
Cash-to-Debt 0.05
ECPG's Cash-to-Debt is ranked lower than
95% of the 1494 Companies
in the Global Asset Management industry.

( Industry Median: 9999.00 vs. ECPG: 0.05 )
Ranked among companies with meaningful Cash-to-Debt only.
ECPG' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.01  Med: 0.17 Max: 4.59
Current: 0.05
0.01
4.59
Equity-to-Asset 0.14
ECPG's Equity-to-Asset is ranked lower than
93% of the 1364 Companies
in the Global Asset Management industry.

( Industry Median: 0.85 vs. ECPG: 0.14 )
Ranked among companies with meaningful Equity-to-Asset only.
ECPG' s Equity-to-Asset Range Over the Past 10 Years
Min: -0.03  Med: 0.34 Max: 0.59
Current: 0.14
-0.03
0.59
Debt-to-Equity 5.36
ECPG's Debt-to-Equity is ranked lower than
97% of the 709 Companies
in the Global Asset Management industry.

( Industry Median: 0.20 vs. ECPG: 5.36 )
Ranked among companies with meaningful Debt-to-Equity only.
ECPG' s Debt-to-Equity Range Over the Past 10 Years
Min: -29.88  Med: 1.51 Max: 400.13
Current: 5.36
-29.88
400.13
Interest Coverage 1.13
ECPG's Interest Coverage is ranked lower than
95% of the 1365 Companies
in the Global Asset Management industry.

( Industry Median: 633.92 vs. ECPG: 1.13 )
Ranked among companies with meaningful Interest Coverage only.
ECPG' s Interest Coverage Range Over the Past 10 Years
Min: 1.13  Med: 2.8 Max: 6.07
Current: 1.13
1.13
6.07
Piotroski F-Score: 4
Altman Z-Score: 0.81
Beneish M-Score: -2.70
WACC vs ROIC
6.57%
2.92%
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 % 21.97
ECPG's Operating Margin % is ranked lower than
65% of the 1419 Companies
in the Global Asset Management industry.

( Industry Median: 52.84 vs. ECPG: 21.97 )
Ranked among companies with meaningful Operating Margin % only.
ECPG' s Operating Margin % Range Over the Past 10 Years
Min: 15.24  Med: 25.32 Max: 29.56
Current: 21.97
15.24
29.56
Net Margin % 6.28
ECPG's Net Margin % is ranked lower than
71% of the 1422 Companies
in the Global Asset Management industry.

( Industry Median: 43.10 vs. ECPG: 6.28 )
Ranked among companies with meaningful Net Margin % only.
ECPG' s Net Margin % Range Over the Past 10 Years
Min: 3.99  Med: 9.84 Max: 13.58
Current: 6.28
3.99
13.58
ROE % 10.93
ECPG's ROE % is ranked higher than
67% of the 1506 Companies
in the Global Asset Management industry.

( Industry Median: 6.96 vs. ECPG: 10.93 )
Ranked among companies with meaningful ROE % only.
ECPG' s ROE % Range Over the Past 10 Years
Min: 7.39  Med: 15.1 Max: 18.08
Current: 10.93
7.39
18.08
ROA % 1.69
ECPG's ROA % is ranked lower than
59% of the 1533 Companies
in the Global Asset Management industry.

( Industry Median: 4.05 vs. ECPG: 1.69 )
Ranked among companies with meaningful ROA % only.
ECPG' s ROA % Range Over the Past 10 Years
Min: 1.14  Med: 3.66 Max: 7.87
Current: 1.69
1.14
7.87
ROC (Joel Greenblatt) % 328.92
ECPG's ROC (Joel Greenblatt) % is ranked higher than
70% of the 913 Companies
in the Global Asset Management industry.

( Industry Median: 75.00 vs. ECPG: 328.92 )
Ranked among companies with meaningful ROC (Joel Greenblatt) % only.
ECPG' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 143.48  Med: 557.44 Max: 889.52
Current: 328.92
143.48
889.52
3-Year Revenue Growth Rate 10.40
ECPG's 3-Year Revenue Growth Rate is ranked higher than
66% of the 1042 Companies
in the Global Asset Management industry.

( Industry Median: 2.10 vs. ECPG: 10.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
ECPG' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 3.6  Med: 11.5 Max: 29.5
Current: 10.4
3.6
29.5
3-Year EBITDA Growth Rate 12.30
ECPG's 3-Year EBITDA Growth Rate is ranked higher than
64% of the 912 Companies
in the Global Asset Management industry.

( Industry Median: 2.30 vs. ECPG: 12.30 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
ECPG' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -39.1  Med: 25.1 Max: 63.6
Current: 12.3
-39.1
63.6
3-Year EPS without NRI Growth Rate 1.20
ECPG's 3-Year EPS without NRI Growth Rate is ranked lower than
55% of the 826 Companies
in the Global Asset Management industry.

( Industry Median: 3.80 vs. ECPG: 1.20 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
ECPG' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -23.2  Med: 12.45 Max: 58.7
Current: 1.2
-23.2
58.7
GuruFocus has detected 8 Warning Signs with Encore Capital Group Inc $ECPG.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» ECPG's 30-Y Financials

Financials (Next Earnings Date: 2017-11-09 Est.)


Revenue & Net Income
Cash & Debt
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q3 2016

ECPG Guru Trades in Q3 2016

Jeremy Grantham Sold Out
» More
Q4 2016

ECPG Guru Trades in Q4 2016

Jim Simons 23,705 sh (New)
» More
Q1 2017

ECPG Guru Trades in Q1 2017

Steven Cohen 11,900 sh (New)
Jim Simons Sold Out
» More
Q2 2017

ECPG Guru Trades in Q2 2017

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 Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Asset Management » Asset Management    NAICS: 523920    SIC: 6799
Compare:NYSE:NMFC, NAS:GBDC, NAS:TCPC, NAS:CGBD, NYSE:NRK, NAS:SLRC, NYSE:TSLX, NYSE:GBL, NYSE:PJC, NAS:WETF, NAS:VRTS, AMEX:GGN, NYSE:NKX, AMEX:FAX, NAS:AINV, NYSE:MC, NAS:DHIL, NYSE:PZN, AMEX:CET, NYSE:NXJ » details
Traded in other countries:ECP.Germany,
Headquarter Location:USA
Encore Capital Group Inc is a specialty finance company. The Company provides debt recovery solutions for consumers and property owners across a broad range of financial assets.

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
PE Ratio 17.17
ECPG's PE Ratio is ranked lower than
55% of the 1164 Companies
in the Global Asset Management industry.

( Industry Median: 12.55 vs. ECPG: 17.17 )
Ranked among companies with meaningful PE Ratio only.
ECPG' s PE Ratio Range Over the Past 10 Years
Min: 4.29  Med: 12.23 Max: 21.3
Current: 17.17
4.29
21.3
PE Ratio without NRI 17.39
ECPG's PE Ratio without NRI is ranked lower than
54% of the 1168 Companies
in the Global Asset Management industry.

( Industry Median: 12.68 vs. ECPG: 17.39 )
Ranked among companies with meaningful PE Ratio without NRI only.
ECPG' s PE Ratio without NRI Range Over the Past 10 Years
Min: 4.29  Med: 11.69 Max: 21.3
Current: 17.39
4.29
21.3
Price-to-Owner-Earnings 12.46
ECPG's Price-to-Owner-Earnings is ranked lower than
70% of the 351 Companies
in the Global Asset Management industry.

( Industry Median: 12.69 vs. ECPG: 12.46 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
ECPG' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.66  Med: 12.19 Max: 71.98
Current: 12.46
3.66
71.98
PB Ratio 1.95
ECPG's PB Ratio is ranked lower than
80% of the 1434 Companies
in the Global Asset Management industry.

( Industry Median: 1.00 vs. ECPG: 1.95 )
Ranked among companies with meaningful PB Ratio only.
ECPG' s PB Ratio Range Over the Past 10 Years
Min: 0.32  Med: 1.63 Max: 2.43
Current: 1.95
0.32
2.43
PS Ratio 1.08
ECPG's PS Ratio is ranked higher than
90% of the 1251 Companies
in the Global Asset Management industry.

( Industry Median: 6.00 vs. ECPG: 1.08 )
Ranked among companies with meaningful PS Ratio only.
ECPG' s PS Ratio Range Over the Past 10 Years
Min: 0.26  Med: 1.15 Max: 2.09
Current: 1.08
0.26
2.09
Price-to-Free-Cash-Flow 9.18
ECPG's Price-to-Free-Cash-Flow is ranked higher than
62% of the 381 Companies
in the Global Asset Management industry.

( Industry Median: 15.97 vs. ECPG: 9.18 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
ECPG' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.1  Med: 8.28 Max: 30.12
Current: 9.18
1.1
30.12
Price-to-Operating-Cash-Flow 7.16
ECPG's Price-to-Operating-Cash-Flow is ranked higher than
69% of the 777 Companies
in the Global Asset Management industry.

( Industry Median: 16.74 vs. ECPG: 7.16 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
ECPG' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.08  Med: 7.3 Max: 23.99
Current: 7.16
1.08
23.99
EV-to-EBIT 16.90
ECPG's EV-to-EBIT is ranked lower than
62% of the 1125 Companies
in the Global Asset Management industry.

( Industry Median: 10.93 vs. ECPG: 16.90 )
Ranked among companies with meaningful EV-to-EBIT only.
ECPG' s EV-to-EBIT Range Over the Past 10 Years
Min: -2.4  Med: 9.8 Max: 18.4
Current: 16.9
-2.4
18.4
EV-to-EBITDA 14.72
ECPG's EV-to-EBITDA is ranked lower than
60% of the 1147 Companies
in the Global Asset Management industry.

( Industry Median: 10.20 vs. ECPG: 14.72 )
Ranked among companies with meaningful EV-to-EBITDA only.
ECPG' s EV-to-EBITDA Range Over the Past 10 Years
Min: -2.3  Med: 9.3 Max: 17.4
Current: 14.72
-2.3
17.4
EV-to-Revenue 3.83
ECPG's EV-to-Revenue is ranked higher than
67% of the 1241 Companies
in the Global Asset Management industry.

( Industry Median: 6.03 vs. ECPG: 3.83 )
Ranked among companies with meaningful EV-to-Revenue only.
ECPG' s EV-to-Revenue Range Over the Past 10 Years
Min: -0.4  Med: 2.5 Max: 4.5
Current: 3.83
-0.4
4.5
PEG Ratio 0.84
ECPG's PEG Ratio is ranked higher than
62% of the 272 Companies
in the Global Asset Management industry.

( Industry Median: 1.27 vs. ECPG: 0.84 )
Ranked among companies with meaningful PEG Ratio only.
ECPG' s PEG Ratio Range Over the Past 10 Years
Min: 0.23  Med: 0.47 Max: 5.7
Current: 0.84
0.23
5.7
Shiller PE Ratio 17.68
ECPG's Shiller PE Ratio is ranked higher than
59% of the 424 Companies
in the Global Asset Management industry.

( Industry Median: 19.94 vs. ECPG: 17.68 )
Ranked among companies with meaningful Shiller PE Ratio only.
ECPG' s Shiller PE Ratio Range Over the Past 10 Years
Min: 8.51  Med: 21.46 Max: 116.09
Current: 17.68
8.51
116.09
Current Ratio 0.57
ECPG's Current Ratio is ranked lower than
90% of the 1036 Companies
in the Global Asset Management industry.

( Industry Median: 4.55 vs. ECPG: 0.57 )
Ranked among companies with meaningful Current Ratio only.
ECPG' s Current Ratio Range Over the Past 10 Years
Min: 0.27  Med: 3.57 Max: 26.93
Current: 0.57
0.27
26.93
Quick Ratio 0.57
ECPG's Quick Ratio is ranked lower than
88% of the 1036 Companies
in the Global Asset Management industry.

( Industry Median: 4.23 vs. ECPG: 0.57 )
Ranked among companies with meaningful Quick Ratio only.
ECPG' s Quick Ratio Range Over the Past 10 Years
Min: 0.27  Med: 3.57 Max: 26.93
Current: 0.57
0.27
26.93

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio -0.20
ECPG's 3-Year Average Share Buyback Ratio is ranked higher than
58% of the 904 Companies
in the Global Asset Management industry.

( Industry Median: -0.80 vs. ECPG: -0.20 )
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: -1.6 Max: 0.2
Current: -0.2
-45.8
0.2

Valuation & Return

vs
industry
vs
history
Price-to-Intrinsic-Value-Projected-FCF 0.65
ECPG's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
83% of the 440 Companies
in the Global Asset Management industry.

( Industry Median: 1.10 vs. ECPG: 0.65 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
ECPG' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.19  Med: 0.62 Max: 2.62
Current: 0.65
0.19
2.62
Price-to-Median-PS-Value 0.93
ECPG's Price-to-Median-PS-Value is ranked higher than
64% of the 992 Companies
in the Global Asset Management industry.

( Industry Median: 1.01 vs. ECPG: 0.93 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
ECPG' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.03  Med: 1.01 Max: 2.71
Current: 0.93
0.03
2.71
Price-to-Peter-Lynch-Fair-Value 1.02
ECPG's Price-to-Peter-Lynch-Fair-Value is ranked higher than
56% of the 164 Companies
in the Global Asset Management industry.

( Industry Median: 0.84 vs. ECPG: 1.02 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
ECPG' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.27  Med: 0.55 Max: 2.19
Current: 1.02
0.27
2.19
Earnings Yield (Greenblatt) % 5.92
ECPG's Earnings Yield (Greenblatt) % is ranked higher than
55% of the 1534 Companies
in the Global Asset Management industry.

( Industry Median: 5.26 vs. ECPG: 5.92 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
ECPG' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -90.8  Med: 10.05 Max: 499.5
Current: 5.92
-90.8
499.5
Forward Rate of Return (Yacktman) % 24.90
ECPG's Forward Rate of Return (Yacktman) % is ranked higher than
79% of the 506 Companies
in the Global Asset Management industry.

( Industry Median: 6.51 vs. ECPG: 24.90 )
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: -1.4  Med: 30.6 Max: 53.8
Current: 24.9
-1.4
53.8

More Statistics

Revenue (TTM) (Mil) $1,013.66
EPS (TTM) $ 2.44
Beta2.09
Short Percentage of Float23.63%
52-Week Range $17.66 - 43.65
Shares Outstanding (Mil)25.74

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 1,156 1,224
EPS ($) 3.79 4.13
EPS without NRI ($) 3.79 4.13
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» More Articles for ECPG

Headlines

Articles On GuruFocus.com
Encore Capital Group Announces Expansion in the U.K. through Acquisition of Wescot by Cabot Credit Aug 24 2017 
Encore Capital Group to Announce Second Quarter 2017 Financial Results on August 3 Jul 27 2017 
Encore Capital Group to Present and Meet with Investors at the William Blair Growth Stock Conference Jun 09 2017 
Encore Capital Group Launches Financial Literacy Program for Students Jun 06 2017 
Encore Subsidiary Midland Funding Prevails in U.S. Supreme Court Decision May 16 2017 
Ashish Masih to Become President and CEO of Encore Capital Group May 04 2017 
8 Undervalued Stocks With Growing Book Values May 03 2017 
Encore Capital Group to Announce First Quarter 2017 Financial Results on May 4 Apr 25 2017 
Encore Capital Group Teams Up Again With Habitat for Humanity Apr 21 2017 
Screening Based on PEG Ratio With Estimated Growth and Price Momentum - November Nov 17 2015 

More From Other Websites
Cabot Financial (Luxembourg) II S.A -- Moody's places Cabot's ratings on review for upgrade Sep 19 2017
Encore Capital Group, Inc. breached its 50 day moving average in a Bullish Manner : ECPG-US :... Sep 13 2017
Encore Capital Group Announces Expansion in the U.K. through Acquisition of Wescot by Cabot Credit... Aug 24 2017
Encore Capital Group, Inc. breached its 50 day moving average in a Bearish Manner : ECPG-US : August... Aug 16 2017
Edited Transcript of ECPG earnings conference call or presentation 3-Aug-17 9:00pm GMT Aug 13 2017
Encore Capital Group, Inc.: Strong price momentum but will it sustain? Aug 07 2017
Encore Capital Group tops Street 2Q forecasts Aug 05 2017
Encore Capital Group Announces Second Quarter 2017 Financial Results Aug 03 2017
Investor Network: Encore Capital Group, Inc. to Host Earnings Call Aug 03 2017
Encore Capital Group to Announce Second Quarter 2017 Financial Results on August 3 Jul 27 2017
ETFs with exposure to Encore Capital Group, Inc. : June 2, 2017 Jun 02 2017
Encore Capital Group, Inc. :ECPG-US: Earnings Analysis: Q1, 2017 By the Numbers : June 1, 2017 Jun 01 2017
Edited Transcript of ECPG earnings conference call or presentation 4-May-17 9:00pm GMT May 09 2017
Encore Capital Group misses Street 1Q forecasts May 05 2017

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)

GF Chat

{{numOfNotice}}