Encore Capital Group (FRA:ECP) Growth Rank: 2 (As of Jul. 31, 2026) — 71% Below Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:ECP Encore Capital Group Inc FRA:ECP
67 GF Score
Price €82.00
GF Value €62.39
Valuation Significantly Overvalued
! 10 Warning Signs
View Full Analysis

What is Encore Capital Group Growth Rank?

Encore Capital Group FRA:ECP -1.20% 67 Growth Rank is 2 as of Jul. 31, 2026, which is 71% below its 10-year median of 7.00. GuruFocus rates FRA:ECP with a GF Score™ of 67/100 and a GF Value™ of €62.39 (Significantly Overvalued). The stock has 10 warning signs investors should review.

Encore Capital Group has the Growth Rank of 2.

GuruFocus Growth Rank measures the growth of a company in terms of its revenue and profitability, rated on a scale from 1 to 10. Historically, the companies with the highest growth ranks performed the best over the long term. It is calculated using the following criteria:

1. 5-year revenue growth rate, the higher, the better.
2. 3-year revenue growth rate, the higher, the better.
3. 5-year EBITDA growth rate, the higher, the better.
4. The predictability of 5-year revenue. The most consistent it is, the higher the rank.

A higher score reflects a greater ability to drive business growth, with companies considered to have strong and sustainable expansion potential. Conversely, a lower score indicates challenges in achieving consistent growth and scalability.

GuruFocus found that the Growth Rank is the second of the two most-sensitive parameters among the five parameters checked. Please click GF Score to see more details on GF Score's 5 Key Aspects of Analysis.

Please note that we are using the five-year EBITDA growth rate as a parameter, so the company needs to have had positive growth over that time. The reason we use EBITDA instead of earnings per share is that with EBITDA, we can rank a lot more companies since a company may have positive EBITDA but negative EPS. Since we are looking at the growth here, EBITDA gives us a pretty clear picture about the growth in the company's business operations.

Encore Capital Group Growth Rank Related Terms

FRA:ECP vs EZPW, AGM.A, QFIN: Growth Rank Comparison

For the Credit Services subindustry, Encore Capital Group's Growth Rank, along with its competitors' market caps and Growth Rank 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 Growth Rank vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Encore Capital Group's Growth Rank distribution charts can be found below:

* The bar in red indicates where Encore Capital Group's Growth Rank falls into.


FRA:ECP
67GF Score
Encore Capital Group Inc FRA:ECP
Growth Rank is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Growth Rank →
What does a Growth Rank of 2 mean?
Encore Capital Group (FRA:ECP) has a Growth Rank of 2 as of Jul. 31, 2026. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Encore Capital Group and its competitors. This is 71% below median its historical median of 7.00. Over the past decade, Encore Capital Group's Growth Rank has ranged from 1.00 to 10.00.
Is Encore Capital Group's Growth Rank too high?
Encore Capital Group's current Growth Rank of 2 is 71% below median its 10-year median of 7.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 10.00. Overall, Encore Capital Group has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Encore Capital Group's Growth Rank compare to EZPW and AGM.A?
Encore Capital Group's Growth Rank of 2 can be compared against companies in the Credit Services industry. Historically, Encore Capital Group's own Growth Rank has ranged from 1.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Growth Rank for a Credit Services company?
A good Growth Rank depends on the Credit Services industry context. However, Growth Rank 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 Growth Rank mean?
A high Growth Rank can signal that a stock is expensive relative to its fundamentals. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Encore Capital Group and its competitors. Encore Capital Group's current Growth Rank is 2, which is 71% below median its own 10-year median of 7.00. 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 Significantly Overvalued. The stock's GF Value™ is €62.39, compared to a current price of €82.00 — trading 31.4% above its estimated fair value. The current Growth Rank is 2, which is 71% below median its 10-year median of 7.00. 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 Growth Rank calculated?
Growth Rank is calculated from a company's financial statements. For Encore Capital Group (FRA:ECP), the current Growth Rank is 2 as of Jul. 31, 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 €82.00 is trading 31.4% above its estimated GF Value™ of €62.39. GuruFocus considers Encore Capital Group to be Significantly Overvalued.

Key valuation signals for FRA:ECP:

  • Growth Rank: 2 (71% below median its 10-year median of 7.00)
  • GF Value™: €62.39 vs. price of €82.00 (31.4% 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

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.
67GF Score

Get the complete analysis for FRA:ECP

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

€82.00
Price
€62.39
GF Value