ECPG (Encore Capital Group) Cyclically Adjusted FCF per Share: $6.82 (As of Jun. 2026)

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ECPG Encore Capital Group Inc ECPG
66 GF Score
Price $98.93
GF Value $74.27
Valuation Significantly Overvalued
! 10 Warning Signs
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What is Encore Capital Group Cyclically Adjusted FCF per Share?

Encore Capital Group ECPG -3.00% 66 Cyclically Adjusted FCF per Share is $6.82 as of Jun. 2026. GuruFocus rates ECPG with a GF Score™ of 66/100 and a GF Value™ of $74.27 (Significantly Overvalued). The stock has 10 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Encore Capital Group's adjusted free cash flow per share for the three months ended in Jun. 2026 was $-1.657. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $6.82 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Encore Capital Group's average Cyclically Adjusted FCF Growth Rate was 4.60% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 4.60% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 7.00% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 10.10% 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 Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Encore Capital Group was 36.50% per year. The lowest was 4.60% per year. And the median was 9.30% per year.

As of today (2026-08-31), Encore Capital Group's current stock price is $98.93. Encore Capital Group's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was $6.82. Encore Capital Group's Cyclically Adjusted Price-to-FCF of today is 14.51.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Encore Capital Group was 15.21. The lowest was 4.16. And the median was 8.80.


Encore Capital Group  (NAS:ECPG) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Encore Capital Group's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=98.93/6.82
=14.51

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Encore Capital Group was 15.21. The lowest was 4.16. And the median was 8.80.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Encore Capital Group Cyclically Adjusted FCF per Share Related Terms


Encore Capital Group Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Encore Capital Group's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Encore Capital Group Cyclically Adjusted FCF per Share Chart

Encore Capital Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.40 5.80 6.11 6.39 6.64

Encore Capital Group Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 6.52 6.82 6.64 6.96 6.82

ECPG vs EZPW, WU, AGM.A: Cyclically Adjusted FCF per Share Comparison

For the Credit Services subindustry, Encore Capital Group's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Cyclically Adjusted Price-to-FCF vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Encore Capital Group's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Encore Capital Group's Cyclically Adjusted Price-to-FCF falls into.


ECPG
66GF Score
Encore Capital Group Inc ECPG
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Encore Capital Group Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Encore Capital Group's adjusted Free Cash Flow per Share data for the three months ended in Jun. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=-1.657/333.9520*333.9520
=-1.657

Current CPI (Jun. 2026) = 333.9520.

Encore Capital Group Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 1.154 241.428 1.596
201612 1.153 241.432 1.595
201703 0.808 243.801 1.107
201706 1.448 244.955 1.974
201709 0.070 246.819 0.095
201712 1.307 246.524 1.771
201803 -0.386 249.554 -0.517
201806 3.149 251.989 4.173
201809 0.319 252.439 0.422
201812 1.174 251.233 1.561
201903 0.024 254.202 0.032
201906 2.882 256.143 3.757
201909 2.366 256.759 3.077
201912 1.234 256.974 1.604
202003 2.262 258.115 2.927
202006 4.401 257.797 5.701
202009 1.265 260.280 1.623
202012 1.976 260.474 2.533
202103 2.052 264.877 2.587
202106 2.333 271.696 2.868
202109 1.569 274.310 1.910
202112 2.157 278.802 2.584
202203 1.727 287.504 2.006
202206 1.482 296.311 1.670
202209 1.822 296.808 2.050
202212 0.013 296.797 0.015
202303 1.244 301.836 1.376
202306 0.910 305.109 0.996
202309 1.900 307.789 2.062
202312 0.077 306.746 0.084
202403 1.803 312.332 1.928
202406 1.175 314.175 1.249
202409 1.628 315.301 1.724
202412 0.618 315.605 0.654
202503 1.578 319.799 1.648
202506 0.135 322.561 0.140
202509 3.213 324.800 3.304
202512 0.434 324.054 0.447
202603 3.471 330.213 3.510
202606 -1.657 333.952 -1.657

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $6.82 mean?
Encore Capital Group (ECPG) has a Cyclically Adjusted FCF per Share of $6.82 as of Jun. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Encore Capital Group and its competitors.
Is Encore Capital Group's Cyclically Adjusted FCF per Share too high?
Encore Capital Group's current Cyclically Adjusted FCF per Share is $6.82. Overall, Encore Capital Group has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Encore Capital Group's Cyclically Adjusted FCF per Share compare to EZPW and WU?
Encore Capital Group's Cyclically Adjusted FCF per Share of $6.82 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Credit Services company?
A good Cyclically Adjusted FCF per Share depends on the Credit Services industry context. However, Cyclically Adjusted FCF per Share 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 Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Encore Capital Group and its competitors. Encore Capital Group's current Cyclically Adjusted FCF per Share is $6.82. 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 (ECPG) is currently considered Significantly Overvalued. The stock's GF Value™ is $74.27, compared to a current price of $98.93 — trading 33.2% above its estimated fair value. The current Cyclically Adjusted FCF per Share is $6.82. Encore Capital Group's overall GF Score™ is 66/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Encore Capital Group (ECPG), the current Cyclically Adjusted FCF per Share is $6.82 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 (ECPG) Overvalued in 2026?

Based on GuruFocus' analysis, Encore Capital Group stock appears to be overvalued. The current stock price of $98.93 is trading 33.2% above its estimated GF Value™ of $74.27. GuruFocus considers Encore Capital Group to be Significantly Overvalued.

Key valuation signals for ECPG:

  • Cyclically Adjusted FCF per Share: $6.82
  • GF Value™: $74.27 vs. price of $98.93 (33.2% above fair value)
  • GF Score™: 66/100 with 10 warning signs

No single metric tells the full story. See the ECPG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Encore Capital Group Business Description

Other Exchanges ECP:Germany
Address 350 Camino De La Reina, Suite 100, San Diego, CA, USA, 92108
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.
66GF Score

Get the complete analysis for ECPG

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$98.93
Price
$74.27
GF Value