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During the past 12 months, Encore Capital Group's average Book Value per Share Growth Rate was 31.10% per year.
During the past 3 years, the average Book Value per Share Growth Rate was -3.80% per year.
During the past 5 years, the average Book Value per Share Growth Rate was -2.00% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 7.70% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Encore Capital Group was 32.30% per year. The lowest was -16.90% per year. And the median was 17.40% per year.
Encore Capital Group (FRA:ECP) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Encore Capital Group 3-Year Book Growth Rate Related Terms
FRA:ECP vs EZPW, WU, AGM.A: 3-Year Book Growth Rate Comparison
For the Credit Services subindustry, Encore Capital Group's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Encore Capital Group 3-Year Book Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Encore Capital Group's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Encore Capital Group's 3-Year Book Growth Rate falls into.
Encore Capital Group 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of -3.80% mean?
Encore Capital Group (FRA:ECP) has a 3-Year Book Growth Rate of -3.80% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Encore Capital Group and its competitors. According to the industry distribution chart, Encore Capital Group ranks #432 out of 521 companies in the Credit Services industry, placing it in the top 82.9%.
Is Encore Capital Group's 3-Year Book Growth Rate too high?
Encore Capital Group's current 3-Year Book Growth Rate is -3.80%. Based on the distribution chart, Encore Capital Group ranks #432 out of 521 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Encore Capital Group has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Encore Capital Group's 3-Year Book Growth Rate compare to EZPW and WU?
According to the Credit Services industry distribution chart, Encore Capital Group ranks #432 out of 521 companies for 3-Year Book Growth Rate. This places Encore Capital Group in the lower half of its industry. The industry median 3-Year Book Growth Rate is 6.10. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Credit Services company?
The median 3-Year Book Growth Rate among Credit Services companies is 6.10, based on 521 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Encore Capital Group and its competitors. For the Credit Services industry, the median 3-Year Book Growth Rate is 6.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Encore Capital Group's current 3-Year Book Growth Rate is -3.80%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Encore Capital Group stock overvalued right now?
Based on GuruFocus' analysis, Encore Capital Group (FRA:ECP) is currently considered Modestly Overvalued. The stock's GF Value™ is €64.61, compared to a current price of €84.00 — trading 30% above its estimated fair value. The current 3-Year Book Growth Rate is -3.80%. Encore Capital Group's overall GF Score™ is 67/100 with 11 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Encore Capital Group (FRA:ECP), the current 3-Year Book Growth Rate is -3.80% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Encore Capital Group (FRA:ECP) Overvalued in 2026?
Based on GuruFocus' analysis, Encore Capital Group stock appears to be overvalued.
The current stock price of €84.00 is trading 30% above its estimated GF Value™ of €64.61.
GuruFocus considers Encore Capital Group to be Modestly Overvalued.
Key valuation signals for FRA:ECP:
3-Year Book Growth Rate: -3.80%
GF Value™: €64.61 vs. price of €84.00 (30% above fair value)
No single metric tells the full story. See the FRA:ECP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Encore Capital Group Inc is an international specialty finance company engaged in providing debt recovery solutions and other related services for consumers across a broad range of financial assets. It mainly purchases portfolios of defaulted consumer receivables at deep discounts to face value and manages them by working with individuals to repay their obligations and work toward financial recovery. The company also provides debt servicing and other portfolio management services to credit originators for non-performing loans in Europe. It has only one reportable segment, debt purchasing and recovery. Geographically, the company generates maximum revenue from its business in the United States, followed by the United Kingdom, Europe, and other regions.
67GF Score
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3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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