Encore Capital GroupECPG +3.71%68 FCF Yield % is 8.55 as of Jun. 28, 2026, which is 29% below its 10-year median of 12.08. GuruFocus rates ECPG with a GF Score™ of 68/100 and a GF Value™ of $72.30 (Modestly Overvalued). The stock has 10 warning signs investors should review. Among 540 Credit Services companies, Encore Capital Group ranks better than 70.93% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Encore Capital Group FCF Yield % Related Terms
Encore Capital Group FCF Yield % Historical Data
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The historical data trend for Encore Capital Group's FCF Yield % 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.
For the Credit Services subindustry, Encore Capital Group's FCF Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Encore Capital Group's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Encore Capital Group's FCF Yield % 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 Yield % of 8.55 as of Jun. 28, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Encore Capital Group and its competitors. This is 29% below median its historical median of 12.08. Over the past decade, Encore Capital Group's FCF Yield % has ranged from 5.41 to 51.88. According to the industry distribution chart, Encore Capital Group ranks #157 out of 540 companies in the Credit Services industry, placing it in the top 29.1%.
Is Encore Capital Group's FCF Yield % too high?
Encore Capital Group's current FCF Yield % of 8.55 is 29% below median its 10-year median of 12.08. Over the past 10 years, this metric has ranged from a low of 5.41 to a high of 51.88. Based on the distribution chart, Encore Capital Group ranks #157 out of 540 companies in the Credit Services industry, which is above the industry midpoint. Overall, Encore Capital Group has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Encore Capital Group's FCF Yield % compare to AGM.A and EZPW?
According to the Credit Services industry distribution chart, Encore Capital Group ranks #157 out of 540 companies for FCF Yield %. This puts Encore Capital Group in the upper half of its industry. Historically, Encore Capital Group's own FCF Yield % has ranged from 5.41 to 51.88 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 Yield % for a Credit Services company?
A good FCF Yield % depends on the Credit Services industry context. However, FCF Yield % 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Encore Capital Group and its competitors. Encore Capital Group's current FCF Yield % is 8.55, which is 29% below median its own 10-year median of 12.08. 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 $72.30, compared to a current price of $90.62 — trading 25.3% above its estimated fair value. The current FCF Yield % is 8.55, which is 29% below median its 10-year median of 12.08. Encore Capital Group's overall GF Score™ is 68/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Encore Capital Group (ECPG), the current FCF Yield % is 8.55 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 (ECPG) Overvalued in 2026?
Based on GuruFocus' analysis, Encore Capital Group stock appears to be overvalued.
The current stock price of $90.62 is trading 25.3% above its estimated GF Value™ of $72.30.
GuruFocus considers Encore Capital Group to be Modestly Overvalued.
Key valuation signals for ECPG:
FCF Yield %: 8.55 (29% below median its 10-year median of 12.08)
GF Value™: $72.30 vs. price of $90.62 (25.3% 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.
68GF Score
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