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Encore Capital GroupFRA:ECP -5.78%69 EV-to-OCF is 39.97 as of Aug. 12, 2026, which is 65% above its 10-year median of 24.24. GuruFocus rates FRA:ECP with a GF Score™ of 69/100 and a GF Value™ of €65.47 (Modestly Overvalued). The stock has 10 warning signs investors should review. Among 544 Credit Services companies, Encore Capital Group ranks worse than 86.76% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Encore Capital Group's Enterprise Value is €5,179 Mil.
Encore Capital Group's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was €130 Mil. Therefore, Encore Capital Group's EV-to-OCF for today is 39.97.
The historical rank and industry rank for Encore Capital Group's EV-to-OCF or its related term are showing as below:
FRA:ECP'
s EV-to-OCF Range Over the Past 10 Years
Min: 11.79 Med: 24.24 Max: 48.38
Current: 39.51
During the past 13 years, the highest EV-to-OCF of Encore Capital Group was 48.38. The lowest was 11.79. And the median was 24.24.
FRA:ECP's EV-to-OCF is ranked worse than 86.76% of 544
companies
in the Credit Services industry
Industry Median: -0.865
vs FRA:ECP: 39.51
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Encore Capital Group (FRA:ECP) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Encore Capital Group's PE Ratio (TTM) for today is calculated as:
Encore Capital Group's share price for today is €81.50.
Encore Capital Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €11.357.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Encore Capital Group EV-to-OCF Related Terms
Encore Capital Group EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Encore Capital Group's EV-to-OCF 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, AGM.A, QFIN: EV-to-OCF Comparison
For the Credit Services subindustry, Encore Capital Group's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Encore Capital Group's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Encore Capital Group's EV-to-OCF falls into.
Encore Capital Group's current Enterprise Value is €5,179 Mil.
Encore Capital Group's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €130 Mil.
* 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 EV-to-OCF of 39.97 as of Aug. 12, 2026. This is 65% above median its historical median of 24.24. Over the past decade, Encore Capital Group's EV-to-OCF has ranged from 11.79 to 48.38. According to the industry distribution chart, Encore Capital Group ranks #472 out of 544 companies in the Credit Services industry, placing it in the top 86.8%.
Is Encore Capital Group's EV-to-OCF too high?
Encore Capital Group's current EV-to-OCF of 39.97 is 65% above median its 10-year median of 24.24. Over the past 10 years, this metric has ranged from a low of 11.79 to a high of 48.38. Based on the distribution chart, Encore Capital Group ranks #472 out of 544 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Encore Capital Group has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Encore Capital Group's EV-to-OCF compare to EZPW and AGM.A?
According to the Credit Services industry distribution chart, Encore Capital Group ranks #472 out of 544 companies for EV-to-OCF. This places Encore Capital Group in the lower half of its industry. Historically, Encore Capital Group's own EV-to-OCF has ranged from 11.79 to 48.38 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Credit Services company?
A good EV-to-OCF depends on the Credit Services industry context. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. Encore Capital Group's current EV-to-OCF is 39.97, which is 65% above median its own 10-year median of 24.24. 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 €65.47, compared to a current price of €81.50 — trading 24.5% above its estimated fair value. The current EV-to-OCF is 39.97, which is 65% above median its 10-year median of 24.24. Encore Capital Group's overall GF Score™ is 69/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Encore Capital Group (FRA:ECP), the current EV-to-OCF is 39.97 as of Aug. 12, 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 €81.50 is trading 24.5% above its estimated GF Value™ of €65.47.
GuruFocus considers Encore Capital Group to be Modestly Overvalued.
Key valuation signals for FRA:ECP:
EV-to-OCF: 39.97 (65% above median its 10-year median of 24.24)
GF Value™: €65.47 vs. price of €81.50 (24.5% 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.
69GF Score
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