Encore Capital Group (FRA:ECP) E10: €4.15 (As of Mar. 2026)


FRA:ECP Encore Capital Group Inc FRA:ECP
67 GF Score
Price €75.00
GF Value €59.84
Valuation Modestly Overvalued
! 10 Warning Signs
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What is Encore Capital Group E10?

Encore Capital Group FRA:ECP -3.23% 67 E10 is €4.15 as of Mar. 2026. GuruFocus rates FRA:ECP with a GF Score™ of 67/100 and a GF Value™ of €59.84 (Modestly 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 P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Encore Capital Group's adjusted earnings per share data for the three months ended in Mar. 2026 was €3.339. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €4.15 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Encore Capital Group's average E10 Growth Rate was 33.20% per year. During the past 3 years, the average E10 Growth Rate was -6.70% per year. During the past 5 years, the average E10 Growth Rate was -0.80% per year. During the past 10 years, the average E10 Growth Rate was 9.10% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Encore Capital Group was 135.70% per year. The lowest was -10.20% per year. And the median was 14.40% per year.

As of today (2026-06-28), Encore Capital Group's current stock price is €75.00. Encore Capital Group's E10 for the quarter that ended in Mar. 2026 was €4.15. Encore Capital Group's Shiller PE Ratio of today is 18.07.

During the past 13 years, the highest Shiller PE Ratio of Encore Capital Group was 19.90. The lowest was 5.24. And the median was 10.82.


Encore Capital Group  (FRA:ECP) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Encore Capital Group's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=75.00/4.15
=18.07

* 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 Shiller P/E Ratio of Encore Capital Group was 19.90. The lowest was 5.24. And the median was 10.82.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Encore Capital Group E10 Related Terms


Encore Capital Group E10 Historical Data

* Premium members only.

The historical data trend for Encore Capital Group's E10 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 E10 Chart

Encore Capital Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.18 5.18 4.13 3.23 3.84

Encore Capital Group Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 3.14 3.28 3.69 3.84 4.15

FRA:ECP vs AGM.A, EZPW, QFIN: E10 Comparison

For the Credit Services subindustry, Encore Capital Group's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Encore Capital Group's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Encore Capital Group's Shiller PE Ratio falls into.


FRA:ECP
67GF Score
Encore Capital Group Inc FRA:ECP
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Encore Capital Group E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=3.339/330.2130*330.2130
=3.339

Current CPI (Mar. 2026) = 330.2130.

Encore Capital Group Quarterly Data

per share eps CPI Adj_EPS
201606 1.015 241.018 1.391
201609 -0.053 241.428 -0.072
201612 0.834 241.432 1.141
201703 0.795 243.801 1.077
201706 0.685 244.955 0.923
201709 0.881 246.819 1.179
201712 0.406 246.524 0.544
201803 0.673 249.554 0.891
201806 0.856 251.989 1.122
201809 0.591 252.439 0.773
201812 1.318 251.233 1.732
201903 1.389 254.202 1.804
201906 1.035 256.143 1.334
201909 1.117 256.759 1.437
201912 1.224 256.974 1.573
202003 -0.299 258.115 -0.383
202006 3.667 257.797 4.697
202009 1.460 260.280 1.852
202012 0.962 260.474 1.220
202103 2.495 264.877 3.110
202106 2.548 271.696 3.097
202109 2.261 274.310 2.722
202112 2.239 278.802 2.652
202203 5.811 287.504 6.674
202206 2.166 296.311 2.414
202209 1.232 296.808 1.371
202212 -2.936 296.797 -3.267
202303 0.700 301.836 0.766
202306 0.997 305.109 1.079
202309 0.740 307.789 0.794
202312 -10.490 306.746 -11.293
202403 0.874 312.332 0.924
202406 1.245 314.175 1.309
202409 1.135 315.301 1.189
202412 -8.996 315.605 -9.412
202503 1.785 319.799 1.843
202506 2.159 322.561 2.210
202509 2.701 324.800 2.746
202512 2.878 324.054 2.933
202603 3.339 330.213 3.339

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €4.15 mean?
Encore Capital Group (FRA:ECP) has a E10 of €4.15 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Encore Capital Group and its competitors.
Is Encore Capital Group's E10 too high?
Encore Capital Group's current E10 is €4.15. 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 E10 compare to AGM.A and EZPW?
Encore Capital Group's E10 of €4.15 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 E10 for a Credit Services company?
A good E10 depends on the Credit Services industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Encore Capital Group and its competitors. Encore Capital Group's current E10 is €4.15. 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 €59.84, compared to a current price of €75.00 — trading 25.3% above its estimated fair value. The current E10 is €4.15. Encore Capital Group's overall GF Score™ is 67/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Encore Capital Group (FRA:ECP), the current E10 is €4.15 as of Mar. 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 €75.00 is trading 25.3% above its estimated GF Value™ of €59.84. GuruFocus considers Encore Capital Group to be Modestly Overvalued.

Key valuation signals for FRA:ECP:

  • E10: €4.15
  • GF Value™: €59.84 vs. price of €75.00 (25.3% above fair value)
  • GF Score™: 67/100 with 10 warning signs

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 Business Description

Other Exchanges ECPG:USA
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.
67GF Score

Get the complete analysis for FRA:ECP

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€75.00
Price
€59.84
GF Value