ECPG (Encore Capital Group) ROCE %: 15.16% (As of Mar. 2026)

What is Encore Capital Group ROCE %?

Encore Capital Group ECPG +1.48% 69 ROCE % is 15.16% as of Mar. 2026. GuruFocus rates ECPG with a GF Score™ of 69/100 and a GF Value™ of $72.29 (Modestly Overvalued). The stock has 10 warning signs investors should review.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. Encore Capital Group's annualized ROCE % for the quarter that ended in Mar. 2026 was 15.16%.

Encore Capital Group (NAS:ECPG) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

Encore Capital Group ROCE % Related Terms

Encore Capital Group ROCE % Historical Data

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The historical data trend for Encore Capital Group's ROCE % 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 ROCE % Chart

Encore Capital Group Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

ROCE %

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15.37

11.46

0.50

3.16

12.76

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
ROCE %	Get a 7-Day Free Trial															12.19	15.24	16.94	14.82	15.16

69GF Score

Encore Capital Group Inc ECPG

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Encore Capital Group ROCE % Calculation

Encore Capital Group's annualized ROCE % for the fiscal year that ended in Dec. 2025 is calculated as:

ROCE %	=	EBIT	/	( (Capital Employed	+	Capital Employed)	/ count )
		(A: Dec. 2025 )		(A: Dec. 2024 )		(A: Dec. 2025 )
	=	EBIT	/	( ( (Total Assets - Total Current Liabilities)	+	(Total Assets - Total Current Liabilities) )	/ count )
		(A: Dec. 2025 )		(A: Dec. 2024 )		(A: Dec. 2025 )
	=	616.632	/	( ( (4789.729 - 233.545)	+	(5339.8 - 230.261) )	/ 2 )
	=	616.632	/	( (4556.184	+	5109.539)	/ 2 )
	=	616.632	/	4832.8615
	=	12.76 %

Encore Capital Group's ROCE % of for the quarter that ended in Mar. 2026 is calculated as:

ROCE %	=	EBIT ⁽¹⁾	/	( (Capital Employed	+	Capital Employed)	/ count )
		(Q: Mar. 2026 )		(Q: Dec. 2025 )		(Q: Mar. 2026 )
	=	EBIT	/	( ( (Total Assets - Total Current Liabilities)	+	(Total Assets - Total Current Liabilities) )	/ count )
		(Q: Mar. 2026 )		(Q: Dec. 2025 )		(Q: Mar. 2026 )
	=	729.708	/	( ( (5339.8 - 230.261)	+	(5450.561 - 933.544) )	/ 2 )
	=	729.708	/	( ( 5109.539	+	4517.017 )	/ 2 )
	=	729.708	/	4813.278
	=	15.16 %

(1) Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

Frequently Asked Questions Learn more about ROCE % →

What does a ROCE % of 15.16% mean?

Encore Capital Group (ECPG) has a ROCE % of 15.16% as of Mar. 2026.

Is Encore Capital Group's ROCE % too high?

Encore Capital Group's current ROCE % is 15.16%. The Credit Services industry median ROCE % is 3.39. Encore Capital Group's value of 15.16% is 347.2% above this industry median. 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 ROCE % compare to AGM.A and EZPW?

Encore Capital Group's ROCE % of 15.16% can be compared against companies in the Credit Services industry. The industry median ROCE % is 3.39. Encore Capital Group's value of 15.16% is 347.2% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good ROCE % for a Credit Services company?

The median ROCE % among Credit Services companies is 3.39, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Encore Capital Group's current ROCE % of 15.16% is 347.2% 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 ROCE % mean?

A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median ROCE % is 3.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Encore Capital Group's current ROCE % is 15.16%. 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 $72.29, compared to a current price of $87.07 — trading 20.4% above its estimated fair value. The current ROCE % is 15.16% and 347.2% above the Credit Services industry median of 3.39. 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 ROCE % calculated?

ROCE % is calculated from a company's financial statements. For Encore Capital Group (ECPG), the current ROCE % is 15.16% 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 $87.07 is trading 20.4% above its estimated GF Value™ of $72.29. GuruFocus considers Encore Capital Group to be Modestly Overvalued.

Key valuation signals for ECPG:

ROCE %: 15.16%
GF Value™: $72.29 vs. price of $87.07 (20.4% above fair value)
GF Score™: 69/100 with 10 warning signs
Industry Position: 347.2% above the Credit Services median

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 Business Description

Industry Financial Services Credit Services

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

Other Exchanges ECP:Germany

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.

69GF Score

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$87.07

Price

$72.29

GF Value

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