Encore Capital Group has the GF Score of 67, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Encore Capital Group
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Encore Capital Group (FRA:ECP) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Encore Capital Group GF Score Related Terms
FRA:ECP vs QFIN, EZPW, AGM.A: GF Score Comparison
For the Credit Services subindustry, Encore Capital Group's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Encore Capital Group's GF Score distribution charts can be found below:
* The bar in red indicates where Encore Capital Group's GF Score falls into.
Encore Capital Group (FRA:ECP) has a GF Score of 67 as of Jun. 30, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Encore Capital Group and its competitors. This is 16% below median its historical median of 80.00. Over the past decade, Encore Capital Group's GF Score has ranged from 28.00 to 96.00.
Is Encore Capital Group's GF Score too high?
Encore Capital Group's current GF Score of 67 is 16% below median its 10-year median of 80.00. Over the past 10 years, this metric has ranged from a low of 28.00 to a high of 96.00. Overall, Encore Capital Group has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Encore Capital Group's GF Score compare to QFIN and EZPW?
Encore Capital Group's GF Score of 67 can be compared against companies in the Credit Services industry. Historically, Encore Capital Group's own GF Score has ranged from 28.00 to 96.00 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 GF Score for a Credit Services company?
A good GF Score depends on the Credit Services industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Encore Capital Group and its competitors. Encore Capital Group's current GF Score is 67, which is 16% below median its own 10-year median of 80.00. 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 Significantly Overvalued. The stock's GF Value™ is €59.84, compared to a current price of €79.50 — trading 32.9% above its estimated fair value. The current GF Score is 67, which is 16% below median its 10-year median of 80.00. Encore Capital Group's overall GF Score™ is 67/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For Encore Capital Group (FRA:ECP), the current GF Score is 67 as of Jun. 30, 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 €79.50 is trading 32.9% above its estimated GF Value™ of €59.84.
GuruFocus considers Encore Capital Group to be Significantly Overvalued.
Key valuation signals for FRA:ECP:
GF Score: 67 (16% below median its 10-year median of 80.00)
GF Value™: €59.84 vs. price of €79.50 (32.9% 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.
67GF Score
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