Encore Capital Group (FRA:ECP) LT-Debt-to-Total-Asset: 0.62 (As of Mar. 2026)

What is Encore Capital Group LT-Debt-to-Total-Asset?

Encore Capital Group FRA:ECP -3.23% 67 LT-Debt-to-Total-Asset is 0.62 as of Mar. 2026. GuruFocus rates FRA:ECP with a GF Score™ of 67/100 and a GF Value™ of €59.84 (Modestly Overvalued). The stock has 10 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Encore Capital Group's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.62.

Encore Capital Group's long-term debt to total assets ratio increased from Mar. 2025 (0.58) to Mar. 2026 (0.62). It may suggest that Encore Capital Group is progressively becoming more dependent on debt to grow their business.

Encore Capital Group (FRA:ECP) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Encore Capital Group LT-Debt-to-Total-Asset Related Terms

Encore Capital Group LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Encore Capital Group's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Encore Capital Group Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.54

0.63

0.71

0.77

0.75

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
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.58	0.57	0.57	0.75	0.62

67GF Score

Encore Capital Group Inc FRA:ECP

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

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Encore Capital Group LT-Debt-to-Total-Asset Calculation

Encore Capital Group's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	3417.104	/	4560.189
	=	0.75

Encore Capital Group's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	2899.509	/	4714.735
	=	0.61

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.62 mean?

Encore Capital Group (FRA:ECP) has a LT-Debt-to-Total-Asset of 0.62 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Encore Capital Group and its competitors.

Is Encore Capital Group's LT-Debt-to-Total-Asset too high?

Encore Capital Group's current LT-Debt-to-Total-Asset is 0.62. Overall, Encore Capital Group has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Encore Capital Group's LT-Debt-to-Total-Asset compare to QFIN and EZPW?

Encore Capital Group's LT-Debt-to-Total-Asset of 0.62 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 LT-Debt-to-Total-Asset for a Credit Services company?

A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Encore Capital Group and its competitors. Encore Capital Group's current LT-Debt-to-Total-Asset is 0.62. 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 €59.84, compared to a current price of €75.00 — trading 25.3% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.62. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Encore Capital Group (FRA:ECP), the current LT-Debt-to-Total-Asset is 0.62 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 €75.00 is trading 25.3% above its estimated GF Value™ of €59.84. GuruFocus considers Encore Capital Group to be Modestly Overvalued.

Key valuation signals for FRA:ECP:

LT-Debt-to-Total-Asset: 0.62
GF Value™: €59.84 vs. price of €75.00 (25.3% above fair value)
GF Score™: 67/100 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

Industry Financial Services Credit Services

Comparable Companies QFIN EZPW AGM.A ATLC WU FINV LU JCAP WRLD NAVI V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI

Other Exchanges ECPG:USA

Address 350 Camino De La Reina, Suite 100, San Diego, CA, USA, 92108

Website https://www.encorecapital.com

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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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€75.00

Price

€59.84

GF Value

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