Encore Capital GroupECPG +3.71%69 Median PS Value is $68.88 as of Jun. 26, 2026, which is 8404% above its 10-year median of 0.81. GuruFocus rates ECPG with a GF Score™ of 69/100 and a GF Value™ of $72.30 (Modestly Overvalued). The stock has 10 warning signs investors should review. Among 288 Credit Services companies, Encore Capital Group ranks worse than 70.83% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for Encore Capital Group's Median PS Value or its related term are showing as below:
ECPG'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.4 Med: 0.81 Max: 1.32
Current: 1.32
During the past 13 years, the highest Price to Median PS Value of Encore Capital Group was 1.32. The lowest was 0.40. And the median was 0.81.
ECPG's Price-to-Median-PS-Value is ranked worse than 70.83% of 288
companies
in the Credit Services industry
Industry Median: 0.9
vs ECPG: 1.32
Encore Capital Group (NAS:ECPG) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Encore Capital Group's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
90.62
/
68.88
=
1.32
* 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 Median PS Value Related Terms
Encore Capital Group Median PS Value Historical Data
* Premium members only.
The historical data trend for Encore Capital Group's Median PS Value 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.
ECPG vs AGM.A, EZPW, QFIN: Median PS Value Comparison
For the Credit Services subindustry, Encore Capital Group's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Encore Capital Group's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Encore Capital Group's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 0.8565.
Encore Capital Group's Revenue per Share 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 $80.422.
* 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 Median PS Value of $68.88 as of Jun. 26, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Encore Capital Group and its competitors. This is 8404% above median its historical median of 0.81. Over the past decade, Encore Capital Group's Median PS Value has ranged from 0.40 to 1.32. According to the industry distribution chart, Encore Capital Group ranks #204 out of 288 companies in the Credit Services industry, placing it in the top 70.8%.
Is Encore Capital Group's Median PS Value too high?
Encore Capital Group's current Median PS Value of $68.88 is 8404% above median its 10-year median of 0.81. Over the past 10 years, this metric has ranged from a low of 0.40 to a high of 1.32. The Credit Services industry median Median PS Value is 0.90. Encore Capital Group's value of $68.88 is 7553.3% above this industry median. Based on the distribution chart, Encore Capital Group ranks #204 out of 288 companies in the Credit Services industry, which is below the industry midpoint. Overall, Encore Capital Group has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Encore Capital Group's Median PS Value compare to AGM.A and EZPW?
According to the Credit Services industry distribution chart, Encore Capital Group ranks #204 out of 288 companies for Median PS Value. This places Encore Capital Group in the lower half of its industry. The industry median Median PS Value is 0.90. Encore Capital Group's value of $68.88 is 7553.3% above this benchmark. Historically, Encore Capital Group's own Median PS Value has ranged from 0.40 to 1.32 over the past decade. While the company's 10-year median is 0.81 vs. the industry median of 0.90, Encore Capital Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Median PS Value for a Credit Services company?
The median Median PS Value among Credit Services companies is 0.90, based on 288 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Encore Capital Group's current Median PS Value of $68.88 is 7553.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Encore Capital Group and its competitors. For the Credit Services industry, the median Median PS Value is 0.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Encore Capital Group's current Median PS Value is $68.88, which is 8404% above median its own 10-year median of 0.81. 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 Median PS Value is $68.88, which is 8404% above median its 10-year median of 0.81 and 7553.3% above the Credit Services industry median of 0.90. Encore Capital Group's overall GF Score™ is 69/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Encore Capital Group (ECPG), the current Median PS Value is $68.88 as of Jun. 26, 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:
Median PS Value: $68.88 (8404% above median its 10-year median of 0.81)
GF Value™: $72.30 vs. price of $90.62 (25.3% above fair value)
Industry Position: 7553.3% above the Credit Services median (#204 of 288)
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.
69GF Score
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