Encore Capital GroupECPG +1.48%69 FCF Margin % is 16.30% as of Mar. 2026, which is 70% above its 10-year median of 9.59. GuruFocus rates ECPG with a GF Score™ of 69/100 and a GF Value™ of $72.29 (Modestly Overvalued). The stock has 10 warning signs investors should review. Among 531 Credit Services companies, Encore Capital Group ranks better than 58.19% on this metric.
The historical rank and industry rank for Encore Capital Group's FCF Margin % or its related term are showing as below:
ECPG'
s FCF Margin % Range Over the Past 10 Years
Min: 7.18 Med: 9.59 Max: 18.53
Current: 8.97
During the past 13 years, the highest FCF Margin % of Encore Capital Group was 18.53%. The lowest was 7.18%. And the median was 9.59%.
ECPG's FCF Margin % is ranked better than 58.19% of 531
companies
in the Credit Services industry
Industry Median: 0.24
vs ECPG: 8.97
Encore Capital Group FCF Margin % Related Terms
Encore Capital Group FCF Margin % Historical Data
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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 AGM.A, EZPW, 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 16.30% as of Mar. 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. This is 70% above median its historical median of 9.59. Over the past decade, Encore Capital Group's FCF Margin % has ranged from 7.18 to 18.53. According to the industry distribution chart, Encore Capital Group ranks #222 out of 531 companies in the Credit Services industry, placing it in the top 41.8%.
Is Encore Capital Group's FCF Margin % too high?
Encore Capital Group's current FCF Margin % of 16.30% is 70% above median its 10-year median of 9.59. Over the past 10 years, this metric has ranged from a low of 7.18 to a high of 18.53. The Credit Services industry median FCF Margin % is 0.24. Encore Capital Group's value of 16.30% is 6691.7% above this industry median. Based on the distribution chart, Encore Capital Group ranks #222 out of 531 companies in the Credit Services industry, which is above the industry midpoint. 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 FCF Margin % compare to AGM.A and EZPW?
According to the Credit Services industry distribution chart, Encore Capital Group ranks #222 out of 531 companies for FCF Margin %. This puts Encore Capital Group in the upper half of its industry. The industry median FCF Margin % is 0.24. Encore Capital Group's value of 16.30% is 6691.7% above this benchmark. Historically, Encore Capital Group's own FCF Margin % has ranged from 7.18 to 18.53 over the past decade. While the company's 10-year median is 9.59 vs. the industry median of 0.24, 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 FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.24, based on 531 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. Encore Capital Group's current FCF Margin % of 16.30% is 6691.7% 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 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 16.30%, which is 70% above median its own 10-year median of 9.59. 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 Modestly Overvalued. The stock's GF Value™ is $72.29, compared to a current price of $87.07 — trading 20.4% above its estimated fair value. The current FCF Margin % is 16.30%, which is 70% above median its 10-year median of 9.59 and 6691.7% above the Credit Services industry median of 0.24. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Encore Capital Group (ECPG), the current FCF Margin % is 16.30% 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 (ECPG) Overvalued in 2026?
Based on GuruFocus' analysis, Encore Capital Group stock appears to be overvalued.
The current stock price of $87.07 is trading 20.4% above its estimated GF Value™ of $72.29.
GuruFocus considers Encore Capital Group to be Modestly Overvalued.
Key valuation signals for ECPG:
FCF Margin %: 16.30% (70% above median its 10-year median of 9.59)
GF Value™: $72.29 vs. price of $87.07 (20.4% above fair value)
Industry Position: 6691.7% above the Credit Services median (#222 of 531)
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.
69GF Score
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