Encore Capital Group (FRA:ECP) Interest Expense: €-244 Mil (TTM As of Mar. 2026)


FRA:ECP Encore Capital Group Inc FRA:ECP
65 GF Score
Price €81.00
GF Value €61.82
Valuation Significantly Overvalued
! 10 Warning Signs
View Full Analysis

What is Encore Capital Group Interest Expense?

Encore Capital Group FRA:ECP +1.89% 65 Interest Expense is €-244 Mil as of Mar. 2026. GuruFocus rates FRA:ECP with a GF Score™ of 65/100 and a GF Value™ of €61.82 (Significantly Overvalued). The stock has 10 warning signs investors should review.

Interest Expense is the amount reported by a company or individual as an expense for borrowed money. Encore Capital Group's interest expense for the three months ended in Mar. 2026 was € -61 Mil. Its interest expense for the trailing twelve months (TTM) ended in Mar. 2026 was €-244 Mil.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income(EBIT) by its Interest Expense. Encore Capital Group's Operating Income for the three months ended in Mar. 2026 was € 159 Mil. Encore Capital Group's Interest Expense for the three months ended in Mar. 2026 was € -61 Mil. Encore Capital Group's Interest Coverage for the quarter that ended in Mar. 2026 was 2.60. The higher the ratio, the stronger the company's financial strength is. Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Encore Capital Group  (FRA:ECP) Interest Expense Explanation

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense. The higher, the better.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Encore Capital Group's Interest Expense for the three months ended in Mar. 2026 was €-61 Mil. Its Operating Income for the three months ended in Mar. 2026 was €159 Mil. And its Long-Term Debt & Capital Lease Obligation for the three months ended in Mar. 2026 was €2,900 Mil.

Encore Capital Group's Interest Coverage for the quarter that ended in Mar. 2026 is calculated as

Interest Coverage=-1* Operating Income (Q: Mar. 2026 )/Interest Expense (Q: Mar. 2026 )
=-1*159.153/-61.151
=2.60

* 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.

The higher the ratio, the stronger the company's financial strength is.

Encore Capital Group Interest Expense Historical Data

* Premium members only.

The historical data trend for Encore Capital Group's Interest Expense 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.

Encore Capital Group Interest Expense Chart

Encore Capital Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Expense
Get a 7-Day Free Trial Premium Member Only Premium Member Only -150.14 -144.72 -185.12 -227.08 -239.52

Encore Capital Group Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Interest Expense Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -62.16 -61.14 -60.11 -61.67 -61.15
FRA:ECP
65GF Score
Encore Capital Group Inc FRA:ECP
Interest Expense is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Encore Capital Group Interest Expense Calculation

Interest Expense is the amount reported by a company or individual as an expense for borrowed money.

Interest Expense 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 €-244 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.

Frequently Asked Questions Learn more about Interest Expense →
What does a Interest Expense of €-244 Mil mean?
Encore Capital Group (FRA:ECP) has a Interest Expense of €-244 Mil as of Mar. 2026. Interest Expense is the amount a company pays on its long-term debt. View historical data on Encore Capital Group and its competitors.
Is Encore Capital Group's Interest Expense too high?
Encore Capital Group's current Interest Expense is €-244 Mil. Overall, Encore Capital Group has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Encore Capital Group's Interest Expense compare to QFIN and EZPW?
Encore Capital Group's Interest Expense of €-244 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Expense for a Credit Services company?
A good Interest Expense depends on the Credit Services industry context. However, Interest Expense 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 Interest Expense mean?
A high Interest Expense can signal that a stock is expensive relative to its fundamentals. Interest Expense is the amount a company pays on its long-term debt. View historical data on Encore Capital Group and its competitors. Encore Capital Group's current Interest Expense is €-244 Mil. 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 €61.82, compared to a current price of €81.00 — trading 31% above its estimated fair value. The current Interest Expense is €-244 Mil. Encore Capital Group's overall GF Score™ is 65/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Expense calculated?
Interest Expense is calculated from a company's financial statements. For Encore Capital Group (FRA:ECP), the current Interest Expense is €-244 Mil 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 (FRA:ECP) Overvalued in 2026?

Based on GuruFocus' analysis, Encore Capital Group stock appears to be overvalued. The current stock price of €81.00 is trading 31% above its estimated GF Value™ of €61.82. GuruFocus considers Encore Capital Group to be Significantly Overvalued.

Key valuation signals for FRA:ECP:

  • Interest Expense: €-244 Mil
  • GF Value™: €61.82 vs. price of €81.00 (31% above fair value)
  • GF Score™: 65/100 with 10 warning signs

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 Business Description

Other Exchanges ECPG:USA
Address 350 Camino De La Reina, Suite 100, San Diego, CA, USA, 92108
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.
65GF Score

Get the complete analysis for FRA:ECP

Interest Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€81.00
Price
€61.82
GF Value