Encore Capital GroupECPG +3.71%68 Quick Ratio is 0.33 as of Mar. 2026, which is 14% above its 10-year median of 0.29. GuruFocus rates ECPG with a GF Score™ of 68/100 and a GF Value™ of $72.30 (Modestly Overvalued). The stock has 10 warning signs investors should review. Among 394 Credit Services companies, Encore Capital Group ranks worse than 97.97% on this metric.
Encore Capital Group has a quick ratio of 0.33. It indicates that the company cannot currently fully pay back its current liabilities.
The historical rank and industry rank for Encore Capital Group's Quick Ratio or its related term are showing as below:
ECPG'
s Quick Ratio Range Over the Past 10 Years
Min: 0.2 Med: 0.29 Max: 1.59
Current: 0.33
During the past 13 years, Encore Capital Group's highest Quick Ratio was 1.59. The lowest was 0.20. And the median was 0.29.
ECPG's Quick Ratio is ranked worse than 97.97% of 394
companies
in the Credit Services industry
Industry Median: 4.93
vs ECPG: 0.33
Encore Capital Group (NAS:ECPG) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
Encore Capital Group Quick Ratio Related Terms
Encore Capital Group Quick Ratio Historical Data
* Premium members only.
The historical data trend for Encore Capital Group's Quick 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 Quick Ratio, along with its competitors' market caps and Quick 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 Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Encore Capital Group's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Encore Capital Group's Quick Ratio falls into.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
Encore Capital Group's Quick Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Quick Ratio of 0.33 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Encore Capital Group and its competitors. This is 14% above median its historical median of 0.29. Over the past decade, Encore Capital Group's Quick Ratio has ranged from 0.20 to 1.59. According to the industry distribution chart, Encore Capital Group ranks #386 out of 394 companies in the Credit Services industry, placing it in the top 98%.
Is Encore Capital Group's Quick Ratio too high?
Encore Capital Group's current Quick Ratio of 0.33 is 14% above median its 10-year median of 0.29. Over the past 10 years, this metric has ranged from a low of 0.20 to a high of 1.59. The Credit Services industry median Quick Ratio is 4.93. Encore Capital Group's value of 0.33 is 93.3% below this industry median. Based on the distribution chart, Encore Capital Group ranks #386 out of 394 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Encore Capital Group has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Encore Capital Group's Quick Ratio compare to AGM.A and EZPW?
According to the Credit Services industry distribution chart, Encore Capital Group ranks #386 out of 394 companies for Quick Ratio. This places Encore Capital Group in the lower half of its industry. The industry median Quick Ratio is 4.93. Encore Capital Group's value of 0.33 is 93.3% below this benchmark. Historically, Encore Capital Group's own Quick Ratio has ranged from 0.20 to 1.59 over the past decade. While the company's 10-year median is 0.29 vs. the industry median of 4.93, Encore Capital Group has consistently been below 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 Quick Ratio for a Credit Services company?
The median Quick Ratio among Credit Services companies is 4.93, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Encore Capital Group's current Quick Ratio of 0.33 is 93.3% below 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 Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Encore Capital Group and its competitors. For the Credit Services industry, the median Quick Ratio is 4.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Encore Capital Group's current Quick Ratio is 0.33, which is 14% above median its own 10-year median of 0.29. 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 Quick Ratio is 0.33, which is 14% above median its 10-year median of 0.29 and 93.3% below the Credit Services industry median of 4.93. Encore Capital Group's overall GF Score™ is 68/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For Encore Capital Group (ECPG), the current Quick Ratio is 0.33 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 (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:
Quick Ratio: 0.33 (14% above median its 10-year median of 0.29)
GF Value™: $72.30 vs. price of $90.62 (25.3% above fair value)
Industry Position: 93.3% below the Credit Services median (#386 of 394)
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.
68GF Score
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