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The historical data trend for Encore Capital Group's FCF Margin % 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.
ECPG vs EZPW, AGM.A, QFIN: FCF Margin % Comparison
For the Credit Services subindustry, Encore Capital Group's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Encore Capital Group's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Encore Capital Group's FCF Margin % falls into.
* 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 (ECPG) has a FCF Margin % of -7.68% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Encore Capital Group and its competitors. Over the past decade, Encore Capital Group's FCF Margin % has ranged from 6.58 to 18.53. According to the industry distribution chart, Encore Capital Group ranks #234 out of 535 companies in the Credit Services industry, placing it in the top 43.7%.
Is Encore Capital Group's FCF Margin % too high?
Encore Capital Group's current FCF Margin % is -7.68%. Over the past 10 years, this metric has ranged from a low of 6.58 to a high of 18.53. Based on the distribution chart, Encore Capital Group ranks #234 out of 535 companies in the Credit Services industry, which is above the industry midpoint. 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 FCF Margin % compare to EZPW and AGM.A?
According to the Credit Services industry distribution chart, Encore Capital Group ranks #234 out of 535 companies for FCF Margin %. This puts Encore Capital Group in the upper half of its industry. The industry median FCF Margin % is 0.24. Historically, Encore Capital Group's own FCF Margin % has ranged from 6.58 to 18.53 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 FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.24, based on 535 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Encore Capital Group and its competitors. For the Credit Services industry, the median FCF Margin % is 0.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Encore Capital Group's current FCF Margin % is -7.68%. 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 $75.03, compared to a current price of $100.16 — trading 33.5% above its estimated fair value. The current FCF Margin % is -7.68%. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Encore Capital Group (ECPG), the current FCF Margin % is -7.68% 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 $100.16 is trading 33.5% above its estimated GF Value™ of $75.03.
GuruFocus considers Encore Capital Group to be Significantly Overvalued.
Key valuation signals for ECPG:
FCF Margin %: -7.68%
GF Value™: $75.03 vs. price of $100.16 (33.5% above fair value)
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 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
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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