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Encore Capital GroupFRA:ECP +0.61%68 Days Sales Outstanding is 2.32 as of Jun. 2026, which is 57% below its 10-year median of 5.41. GuruFocus rates FRA:ECP with a GF Score™ of 68/100 and a GF Value™ of €64.59 (Modestly Overvalued). The stock has 10 warning signs investors should review. Among 292 Credit Services companies, Encore Capital Group ranks better than 84.93% on this metric.
Encore Capital Group (FRA:ECP) Days Sales Outstanding Explanation
For retailers, when we compare Days Sales Outstanding, it is important to compare the same period in the previous years.
Encore Capital Group Days Sales Outstanding Related Terms
Encore Capital Group Days Sales Outstanding Historical Data
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The historical data trend for Encore Capital Group's Days Sales Outstanding 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.
FRA:ECP vs EZPW, WU, AGM.A: Days Sales Outstanding Comparison
For the Credit Services subindustry, Encore Capital Group's Days Sales Outstanding, along with its competitors' market caps and Days Sales Outstanding 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 Days Sales Outstanding vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Encore Capital Group's Days Sales Outstanding distribution charts can be found below:
* The bar in red indicates where Encore Capital Group's Days Sales Outstanding falls into.
Encore Capital Group Days Sales Outstanding Calculation
Days Sales Outstanding measures the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed.
* 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 (FRA:ECP) has a Days Sales Outstanding of 2.32 as of Jun. 2026. Days sales outstanding represents the average amount of days a company takes to collect receivables. View historical data on Encore Capital Group and its competitors. This is 57% below median its historical median of 5.41. Over the past decade, Encore Capital Group's Days Sales Outstanding has ranged from 2.81 to 7.28. According to the industry distribution chart, Encore Capital Group ranks #44 out of 292 companies in the Credit Services industry, placing it in the top 15.1%.
Is Encore Capital Group's Days Sales Outstanding too high?
Encore Capital Group's current Days Sales Outstanding of 2.32 is 57% below median its 10-year median of 5.41. Over the past 10 years, this metric has ranged from a low of 2.81 to a high of 7.28. The Credit Services industry median Days Sales Outstanding is 42.16. Encore Capital Group's value of 2.32 is 94.5% below this industry median. Based on the distribution chart, Encore Capital Group ranks #44 out of 292 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Encore Capital Group has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Encore Capital Group's Days Sales Outstanding compare to EZPW and WU?
According to the Credit Services industry distribution chart, Encore Capital Group ranks #44 out of 292 companies for Days Sales Outstanding. This places Encore Capital Group in the top 15% of its industry — outperforming the majority of peers. The industry median Days Sales Outstanding is 42.16. Encore Capital Group's value of 2.32 is 94.5% below this benchmark. Historically, Encore Capital Group's own Days Sales Outstanding has ranged from 2.81 to 7.28 over the past decade. While the company's 10-year median is 5.41 vs. the industry median of 42.16, Encore Capital Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Days Sales Outstanding for a Credit Services company?
The median Days Sales Outstanding among Credit Services companies is 42.16, based on 292 companies in the industry. Companies in the top quartile (top 25%) have a Days Sales Outstanding significantly above this median, while those in the bottom quartile fall well below. However, Days Sales Outstanding should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Encore Capital Group's current Days Sales Outstanding of 2.32 is 94.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Days Sales Outstanding mean?
A high Days Sales Outstanding can signal that a stock is expensive relative to its fundamentals. Days sales outstanding represents the average amount of days a company takes to collect receivables. View historical data on Encore Capital Group and its competitors. For the Credit Services industry, the median Days Sales Outstanding is 42.16 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Encore Capital Group's current Days Sales Outstanding is 2.32, which is 57% below median its own 10-year median of 5.41. 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 €64.59, compared to a current price of €83.00 — trading 28.5% above its estimated fair value. The current Days Sales Outstanding is 2.32, which is 57% below median its 10-year median of 5.41 and 94.5% below the Credit Services industry median of 42.16. Encore Capital Group's overall GF Score™ is 68/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Days Sales Outstanding calculated?
Days Sales Outstanding is calculated from a company's financial statements. For Encore Capital Group (FRA:ECP), the current Days Sales Outstanding is 2.32 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 €83.00 is trading 28.5% above its estimated GF Value™ of €64.59.
GuruFocus considers Encore Capital Group to be Modestly Overvalued.
Key valuation signals for FRA:ECP:
Days Sales Outstanding: 2.32 (57% below median its 10-year median of 5.41)
GF Value™: €64.59 vs. price of €83.00 (28.5% above fair value)
Industry Position: 94.5% below the Credit Services median (#44 of 292)
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.
68GF Score
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