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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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.06
ECPG's Cash-to-Debt is ranked lower than
95% of the 1516 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: 0.2 Max: 4.59
Current: 0.06
0.01
4.59
Equity-to-Asset 0.16
ECPG's Equity-to-Asset is ranked lower than
93% of the 1407 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: 0.34 Max: 0.59
Current: 0.16
-0.03
0.59
Interest Coverage 1.19
ECPG's Interest Coverage is ranked lower than
94% of the 1341 Companies
in the Global Asset Management industry.

( Industry Median: 1018.62 vs. ECPG: 1.19 )
Ranked among companies with meaningful Interest Coverage only.
ECPG' s Interest Coverage Range Over the Past 10 Years
Min: 1.19  Med: 2.8 Max: 6.07
Current: 1.19
1.19
6.07
Piotroski F-Score: 5
Altman Z-Score: 0.86
Beneish M-Score: -2.65
WACC vs ROIC
6.49%
3.43%
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 % 23.10
ECPG's Operating Margin % is ranked lower than
63% of the 1424 Companies
in the Global Asset Management industry.

( Industry Median: 49.57 vs. ECPG: 23.10 )
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: 23.1
15.24
29.56
Net Margin % 7.21
ECPG's Net Margin % is ranked lower than
70% of the 1426 Companies
in the Global Asset Management industry.

( Industry Median: 41.12 vs. ECPG: 7.21 )
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: 7.21
3.99
13.58
ROE % 12.29
ECPG's ROE % is ranked higher than
73% of the 1518 Companies
in the Global Asset Management industry.

( Industry Median: 5.44 vs. ECPG: 12.29 )
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: 12.29
7.39
18.08
ROA % 1.95
ECPG's ROA % is ranked lower than
55% of the 1548 Companies
in the Global Asset Management industry.

( Industry Median: 2.89 vs. ECPG: 1.95 )
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: 1.95
1.14
7.87
ROC (Joel Greenblatt) % 348.71
ECPG's ROC (Joel Greenblatt) % is ranked higher than
73% of the 912 Companies
in the Global Asset Management industry.

( Industry Median: 45.26 vs. ECPG: 348.71 )
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: 348.71
143.48
889.52
3-Year Revenue Growth Rate 10.40
ECPG's 3-Year Revenue Growth Rate is ranked higher than
67% of the 1012 Companies
in the Global Asset Management industry.

( Industry Median: 1.10 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
66% of the 849 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
53% of the 766 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.
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» ECPG's 30-Y Financials

Financials (Next Earnings Date: 2017-08-04 Est.)


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

» Details

Guru Trades

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
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
» Details

Insider Trades

Latest Guru Trades with ECPG

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Business Description

Industry: Asset Management » Asset Management    NAICS: 523920    SIC: 6799
Compare:NAS:TCPC, NYSE:MC, ARCA:PSLV, OTCPK:ARWGF, NAS:SLRC, NYSE:NOAH, NYSE:NMFC, NYSE:OZM, NYSE:PJC, AMEX:EIM, NYSE:GBL, NYSE:NRK, OTCPK:ENDTF, NAS:GBDC, AMEX:UTG, NYSE:NMZ, AMEX:GGN, NYSE:TSLX, NAS:VRTS, AMEX:FAX » 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 13.48
ECPG's PE Ratio is ranked higher than
59% of the 1112 Companies
in the Global Asset Management industry.

( Industry Median: 12.73 vs. ECPG: 13.48 )
Ranked among companies with meaningful PE Ratio only.
ECPG' s PE Ratio Range Over the Past 10 Years
Min: 4.29  Med: 12 Max: 21.3
Current: 13.48
4.29
21.3
Forward PE Ratio 10.12
ECPG's Forward PE Ratio is ranked higher than
98% of the 208 Companies
in the Global Asset Management industry.

( Industry Median: 13.14 vs. ECPG: 10.12 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 13.62
ECPG's PE Ratio without NRI is ranked higher than
61% of the 1121 Companies
in the Global Asset Management industry.

( Industry Median: 12.98 vs. ECPG: 13.62 )
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: 11.56 Max: 21.3
Current: 13.62
4.29
21.3
Price-to-Owner-Earnings 19.54
ECPG's Price-to-Owner-Earnings is ranked lower than
65% of the 333 Companies
in the Global Asset Management industry.

( Industry Median: 12.44 vs. ECPG: 19.54 )
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: 12.06 Max: 71.98
Current: 19.54
3.66
71.98
PB Ratio 1.63
ECPG's PB Ratio is ranked lower than
74% of the 1500 Companies
in the Global Asset Management industry.

( Industry Median: 1.00 vs. ECPG: 1.63 )
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: 1.63
0.32
2.43
PS Ratio 0.96
ECPG's PS Ratio is ranked higher than
92% of the 1199 Companies
in the Global Asset Management industry.

( Industry Median: 6.49 vs. ECPG: 0.96 )
Ranked among companies with meaningful PS Ratio only.
ECPG' s PS Ratio Range Over the Past 10 Years
Min: 0.26  Med: 1.17 Max: 2.09
Current: 0.96
0.26
2.09
Price-to-Free-Cash-Flow 10.84
ECPG's Price-to-Free-Cash-Flow is ranked higher than
70% of the 362 Companies
in the Global Asset Management industry.

( Industry Median: 15.43 vs. ECPG: 10.84 )
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: 8.27 Max: 30.12
Current: 10.84
1.1
30.12
Price-to-Operating-Cash-Flow 7.82
ECPG's Price-to-Operating-Cash-Flow is ranked higher than
77% of the 772 Companies
in the Global Asset Management industry.

( Industry Median: 16.86 vs. ECPG: 7.82 )
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: 7.56 Max: 23.99
Current: 7.82
1.08
23.99
EV-to-EBIT 15.22
ECPG's EV-to-EBIT is ranked lower than
56% of the 1295 Companies
in the Global Asset Management industry.

( Industry Median: 11.90 vs. ECPG: 15.22 )
Ranked among companies with meaningful EV-to-EBIT only.
ECPG' s EV-to-EBIT Range Over the Past 10 Years
Min: -2.4  Med: 9.4 Max: 18.4
Current: 15.22
-2.4
18.4
EV-to-EBITDA 13.34
ECPG's EV-to-EBITDA is ranked lower than
54% of the 1333 Companies
in the Global Asset Management industry.

( Industry Median: 11.65 vs. ECPG: 13.34 )
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 Max: 17.4
Current: 13.34
-2.3
17.4
PEG Ratio 0.67
ECPG's PEG Ratio is ranked higher than
70% of the 251 Companies
in the Global Asset Management industry.

( Industry Median: 1.10 vs. ECPG: 0.67 )
Ranked among companies with meaningful PEG Ratio only.
ECPG' s PEG Ratio Range Over the Past 10 Years
Min: 0.17  Med: 0.45 Max: 5.83
Current: 0.67
0.17
5.83
Shiller PE Ratio 16.67
ECPG's Shiller PE Ratio is ranked higher than
77% of the 389 Companies
in the Global Asset Management industry.

( Industry Median: 19.75 vs. ECPG: 16.67 )
Ranked among companies with meaningful Shiller PE Ratio only.
ECPG' s Shiller PE Ratio Range Over the Past 10 Years
Min: 8.56  Med: 22.23 Max: 116.09
Current: 16.67
8.56
116.09
Current Ratio 0.71
ECPG's Current Ratio is ranked lower than
92% of the 956 Companies
in the Global Asset Management industry.

( Industry Median: 4.32 vs. ECPG: 0.71 )
Ranked among companies with meaningful Current Ratio only.
ECPG' s Current Ratio Range Over the Past 10 Years
Min: 0.27  Med: 3.65 Max: 26.93
Current: 0.71
0.27
26.93
Quick Ratio 0.71
ECPG's Quick Ratio is ranked lower than
90% of the 956 Companies
in the Global Asset Management industry.

( Industry Median: 4.24 vs. ECPG: 0.71 )
Ranked among companies with meaningful Quick Ratio only.
ECPG' s Quick Ratio Range Over the Past 10 Years
Min: 0.27  Med: 3.65 Max: 26.93
Current: 0.71
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
64% of the 868 Companies
in the Global Asset Management industry.

( Industry Median: -1.30 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 0.57
ECPG's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
92% of the 434 Companies
in the Global Asset Management industry.

( Industry Median: 1.07 vs. ECPG: 0.57 )
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  Med: 0.62 Max: 2.6
Current: 0.57
0
2.6
Price-to-Intrinsic-Value-DCF (Earnings Based) 0.54
ECPG's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked higher than
95% of the 22 Companies
in the Global Asset Management industry.

( Industry Median: 1.10 vs. ECPG: 0.54 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
N/A
Price-to-Median-PS-Value 0.83
ECPG's Price-to-Median-PS-Value is ranked higher than
82% of the 819 Companies
in the Global Asset Management industry.

( Industry Median: 1.01 vs. ECPG: 0.83 )
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  Med: 1.01 Max: 2.68
Current: 0.83
0
2.68
Price-to-Peter-Lynch-Fair-Value 0.67
ECPG's Price-to-Peter-Lynch-Fair-Value is ranked higher than
71% of the 125 Companies
in the Global Asset Management industry.

( Industry Median: 0.72 vs. ECPG: 0.67 )
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  Med: 0.55 Max: 2.19
Current: 0.67
0
2.19
Earnings Yield (Greenblatt) % 6.58
ECPG's Earnings Yield (Greenblatt) % is ranked higher than
60% of the 1804 Companies
in the Global Asset Management industry.

( Industry Median: 5.13 vs. ECPG: 6.58 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
ECPG' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 5.4  Med: 10.4 Max: 499.5
Current: 6.58
5.4
499.5
Forward Rate of Return (Yacktman) % 28.66
ECPG's Forward Rate of Return (Yacktman) % is ranked higher than
86% of the 495 Companies
in the Global Asset Management industry.

( Industry Median: 5.09 vs. ECPG: 28.66 )
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: -1.6  Med: 32.6 Max: 63.9
Current: 28.66
-1.6
63.9

More Statistics

Revenue (TTM) (Mil) $1,012
EPS (TTM) $ 2.81
Beta2.09
Short Percentage of Float24.30%
52-Week Range $17.66 - 38.75
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 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 
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 

More From Other Websites
Encore Subsidiary Midland Funding Prevails in U.S. Supreme Court Decision May 16 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
Ashish Masih to Become President and CEO of Encore Capital Group May 04 2017
Encore Capital Group Announces First Quarter 2017 Financial Results May 04 2017
Investor Network: Encore Capital Group, Inc. to Host Earnings Call May 04 2017
Encore Capital Group to Announce First Quarter 2017 Financial Results on May 4 Apr 25 2017
ETFs with exposure to Encore Capital Group, Inc. : April 21, 2017 Apr 21 2017
Encore Capital Group Teams Up Again With Habitat for Humanity Apr 21 2017
Encore Capital Group, Inc. breached its 50 day moving average in a Bullish Manner : ECPG-US : April... Apr 20 2017
New Strong Sell Stocks for March 15th Mar 15 2017
Encore Capital Group, Inc. Prices Private Placement of Convertible Senior Notes Feb 28 2017
Judge certifies NY class action over big debt collector's high rates Feb 27 2017
Encore Capital Group, Inc. :ECPG-US: Earnings Analysis: Q4, 2016 By the Numbers : February 27, 2017 Feb 27 2017
Encore Capital Group, Inc. Announces Private Placement of Convertible Senior Notes Feb 27 2017
Edited Transcript of ECPG earnings conference call or presentation 23-Feb-17 10:00pm GMT Feb 23 2017
Encore Capital Group beats Street 4Q forecasts Feb 23 2017
Encore Capital Group Announces Fourth Quarter and Full-Year 2016 Financial Results Feb 23 2017
Encore Capital Group (ECPG) Enters Overbought Territory Feb 17 2017

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