Encore Capital GroupFRA:ECP -3.23%64 EV-to-FCF is 35.49 as of Jun. 28, 2026, which is 2% above its 10-year median of 34.92. GuruFocus rates FRA:ECP with a GF Score™ of 64/100 and a GF Value™ of €59.84 (Modestly Overvalued). The stock has 10 warning signs investors should review. Among 265 Credit Services companies, Encore Capital Group ranks worse than 72.08% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Encore Capital Group's Enterprise Value is €5,060 Mil.
Encore Capital Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €143 Mil. Therefore, Encore Capital Group's EV-to-FCF for today is 35.49.
The historical rank and industry rank for Encore Capital Group's EV-to-FCF or its related term are showing as below:
FRA:ECP'
s EV-to-FCF Range Over the Past 10 Years
Min: 12.6 Med: 34.92 Max: 73.36
Current: 34.61
During the past 13 years, the highest EV-to-FCF of Encore Capital Group was 73.36. The lowest was 12.60. And the median was 34.92.
FRA:ECP's EV-to-FCF is ranked worse than 72.08% of 265
companies
in the Credit Services industry
Industry Median: 13.02
vs FRA:ECP: 34.61
EV-to-FCF 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-FCF Explanation
EV-to-FCF 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 €75.00.
Encore Capital Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €11.077.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Encore Capital Group EV-to-FCF Related Terms
Encore Capital Group EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Encore Capital Group's EV-to-FCF 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 AGM.A, EZPW, QFIN: EV-to-FCF Comparison
For the Credit Services subindustry, Encore Capital Group's EV-to-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Encore Capital Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Encore Capital Group's EV-to-FCF falls into.
Encore Capital Group's current Enterprise Value is €5,060 Mil.
Encore Capital Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €143 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-FCF of 35.49 as of Jun. 28, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Encore Capital Group and its competitors. This is near median its historical median of 34.92. Over the past decade, Encore Capital Group's EV-to-FCF has ranged from 12.60 to 73.36. According to the industry distribution chart, Encore Capital Group ranks #191 out of 265 companies in the Credit Services industry, placing it in the top 72.1%.
Is Encore Capital Group's EV-to-FCF too high?
Encore Capital Group's current EV-to-FCF of 35.49 is near median its 10-year median of 34.92. Over the past 10 years, this metric has ranged from a low of 12.60 to a high of 73.36. The Credit Services industry median EV-to-FCF is 13.02. Encore Capital Group's value of 35.49 is 172.6% above this industry median. Based on the distribution chart, Encore Capital Group ranks #191 out of 265 companies in the Credit Services industry, which is below the industry midpoint. Overall, Encore Capital Group has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Encore Capital Group's EV-to-FCF compare to AGM.A and EZPW?
According to the Credit Services industry distribution chart, Encore Capital Group ranks #191 out of 265 companies for EV-to-FCF. This places Encore Capital Group in the lower half of its industry. The industry median EV-to-FCF is 13.02. Encore Capital Group's value of 35.49 is 172.6% above this benchmark. Historically, Encore Capital Group's own EV-to-FCF has ranged from 12.60 to 73.36 over the past decade. While the company's 10-year median is 34.92 vs. the industry median of 13.02, Encore Capital Group has consistently been above 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 EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.02, based on 265 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Encore Capital Group's current EV-to-FCF of 35.49 is 172.6% above 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Encore Capital Group and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Encore Capital Group's current EV-to-FCF is 35.49, which is near median its own 10-year median of 34.92. 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 EV-to-FCF is 35.49, which is near median its 10-year median of 34.92 and 172.6% above the Credit Services industry median of 13.02. Encore Capital Group's overall GF Score™ is 64/100 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Encore Capital Group (FRA:ECP), the current EV-to-FCF is 35.49 as of Jun. 28, 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:
EV-to-FCF: 35.49 (near median its 10-year median of 34.92)
GF Value™: €59.84 vs. price of €75.00 (25.3% above fair value)
Industry Position: 172.6% above the Credit Services median (#191 of 265)
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.
64GF Score
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