Encore Capital GroupFRA:ECP -3.23%64 PB Ratio is 1.80 as of Jun. 28, 2026, which is 59% above its 10-year median of 1.13. GuruFocus rates FRA:ECP with a GF Score™ of 64/100 and a GF Value™ of €59.84 (Modestly Overvalued). The stock has 10 warning signs investors should review. Among 524 Credit Services companies, Encore Capital Group ranks worse than 71.76% on this metric.
Encore Capital Group Inc stock PB Ratio (=1.88) is close to 5-year high of 1.88.
The historical rank and industry rank for Encore Capital Group's PB Ratio or its related term are showing as below:
FRA:ECP'
s PB Ratio Range Over the Past 10 Years
Min: 0.59 Med: 1.13 Max: 2.21
Current: 1.88
During the past 13 years, Encore Capital Group's highest PB Ratio was 2.21. The lowest was 0.59. And the median was 1.13.
FRA:ECP's PB Ratio is ranked worse than 71.76% of 524
companies
in the Credit Services industry
Industry Median: 1.07
vs FRA:ECP: 1.88
During the past 12 months, Encore Capital Group's average Book Value Per Share Growth Rate was 38.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -3.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -2.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 7.70% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Encore Capital Group was 32.30% per year. The lowest was -16.90% per year. And the median was 17.40% per year.
Back to Basics: PB Ratio
Encore Capital Group (FRA:ECP) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Encore Capital Group PB Ratio Related Terms
Encore Capital Group PB Ratio Historical Data
* Premium members only.
The historical data trend for Encore Capital Group's PB Ratio 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.
For the Credit Services subindustry, Encore Capital Group's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Encore Capital Group's PB Ratio distribution charts can be found below:
* The bar in red indicates where Encore Capital Group's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Encore Capital Group (FRA:ECP) has a PB Ratio of 1.80 as of Jun. 28, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Encore Capital Group and its competitors. This is 59% above median its historical median of 1.13. Over the past decade, Encore Capital Group's PB Ratio has ranged from 0.59 to 2.21. According to the industry distribution chart, Encore Capital Group ranks #376 out of 524 companies in the Credit Services industry, placing it in the top 71.8%.
Is Encore Capital Group's PB Ratio too high?
Encore Capital Group's current PB Ratio of 1.80 is 59% above median its 10-year median of 1.13. Over the past 10 years, this metric has ranged from a low of 0.59 to a high of 2.21. The Credit Services industry median PB Ratio is 1.07. Encore Capital Group's value of 1.80 is 68.2% above this industry median. Based on the distribution chart, Encore Capital Group ranks #376 out of 524 companies in the Credit Services industry, which is below the industry midpoint. Overall, Encore Capital Group has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Encore Capital Group's PB Ratio compare to AGM.A and EZPW?
According to the Credit Services industry distribution chart, Encore Capital Group ranks #376 out of 524 companies for PB Ratio. This places Encore Capital Group in the lower half of its industry. The industry median PB Ratio is 1.07. Encore Capital Group's value of 1.80 is 68.2% above this benchmark. Historically, Encore Capital Group's own PB Ratio has ranged from 0.59 to 2.21 over the past decade. While the company's 10-year median is 1.13 vs. the industry median of 1.07, 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.07, based on 524 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Encore Capital Group's current PB Ratio of 1.80 is 68.2% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Encore Capital Group and its competitors. For the Credit Services industry, the median PB Ratio is 1.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Encore Capital Group's current PB Ratio is 1.80, which is 59% above median its own 10-year median of 1.13. 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 PB Ratio is 1.80, which is 59% above median its 10-year median of 1.13 and 68.2% above the Credit Services industry median of 1.07. Encore Capital Group's overall GF Score™ is 64/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Encore Capital Group (FRA:ECP), the current PB Ratio is 1.80 as of Jun. 28, 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:
PB Ratio: 1.80 (59% above median its 10-year median of 1.13)
GF Value™: €59.84 vs. price of €75.00 (25.3% above fair value)
Industry Position: 68.2% above the Credit Services median (#376 of 524)
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.
64GF Score
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