Encore Capital Group (FRA:ECP) Long-Term Debt: €2,899 Mil (As of Mar. 2026)


FRA:ECP Encore Capital Group Inc FRA:ECP
66 GF Score
Price €79.50
GF Value €63.50
Valuation Modestly Overvalued
! 10 Warning Signs
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What is Encore Capital Group Long-Term Debt?

Encore Capital Group FRA:ECP -1.85% 66 Long-Term Debt is €2,899 Mil as of Mar. 2026. GuruFocus rates FRA:ECP with a GF Score™ of 66/100 and a GF Value™ of €63.50 (Modestly Overvalued). The stock has 10 warning signs investors should review.

Encore Capital Group's Long-Term Debt for the quarter that ended in Mar. 2026 was €2,899 Mil.

Encore Capital Group's quarterly Long-Term Debt increased from Sep. 2025 (€2,561 Mil) to Dec. 2025 (€3,417 Mil) but then declined from Dec. 2025 (€3,417 Mil) to Mar. 2026 (€2,899 Mil).

Encore Capital Group's annual Long-Term Debt increased from Dec. 2023 (€3,013 Mil) to Dec. 2024 (€3,506 Mil) but then declined from Dec. 2024 (€3,506 Mil) to Dec. 2025 (€3,417 Mil).

Encore Capital Group  (FRA:ECP) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Encore Capital Group Long-Term Debt Related Terms

Encore Capital Group Long-Term Debt Historical Data

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The historical data trend for Encore Capital Group's Long-Term Debt 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 Long-Term Debt Chart

Encore Capital Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2,191.46 2,666.57 3,013.17 3,506.47 3,416.60

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
Long-Term Debt 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 2,657.98 2,570.47 2,560.95 3,416.60 2,899.06
FRA:ECP
66GF Score
Encore Capital Group Inc FRA:ECP
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of €2,899 Mil mean?
Encore Capital Group (FRA:ECP) has a Long-Term Debt of €2,899 Mil as of Mar. 2026.
Is Encore Capital Group's Long-Term Debt too high?
Encore Capital Group's current Long-Term Debt is €2,899 Mil. Overall, Encore Capital Group has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Encore Capital Group's Long-Term Debt compare to QFIN and EZPW?
Encore Capital Group's Long-Term Debt of €2,899 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 Long-Term Debt for a Credit Services company?
A good Long-Term Debt depends on the Credit Services industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Encore Capital Group's current Long-Term Debt is €2,899 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 Modestly Overvalued. The stock's GF Value™ is €63.50, compared to a current price of €79.50 — trading 25.2% above its estimated fair value. The current Long-Term Debt is €2,899 Mil. 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 Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Encore Capital Group (FRA:ECP), the current Long-Term Debt is €2,899 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 €79.50 is trading 25.2% above its estimated GF Value™ of €63.50. GuruFocus considers Encore Capital Group to be Modestly Overvalued.

Key valuation signals for FRA:ECP:

  • Long-Term Debt: €2,899 Mil
  • GF Value™: €63.50 vs. price of €79.50 (25.2% above fair value)
  • GF Score™: 66/100 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.
66GF Score

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

€79.50
Price
€63.50
GF Value