Encore Capital Group (FRA:ECP) Selling, General, & Admin. Expense: €141 Mil (TTM As of Mar. 2026)

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FRA:ECP Encore Capital Group Inc FRA:ECP
68 GF Score
Price €79.50
GF Value €62.24
Valuation Modestly Overvalued
! 10 Warning Signs
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What is Encore Capital Group Selling, General, & Admin. Expense?

Encore Capital Group FRA:ECP +0.63% 68 Selling, General, & Admin. Expense is €141 Mil as of Mar. 2026. GuruFocus rates FRA:ECP with a GF Score™ of 68/100 and a GF Value™ of €62.24 (Modestly Overvalued). The stock has 10 warning signs investors should review.

Selling, general, & admin. expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. Encore Capital Group's selling, general, & admin. expense for the three months ended in Mar. 2026 was €34 Mil. Its selling, general, & admin. expense for the trailing twelve months (TTM) ended in Mar. 2026 was €141 Mil.


Encore Capital Group  (FRA:ECP) Selling, General, & Admin. Expense Explanation

An efficient operation keeps SGA costs low and thus has higher profit margin. The percentage of SGA relative to total revenue is an indication of how efficiently the company operates. Compare this percentage among the companies in the same industry is a good way of finding more efficient operations. A comparison of the SGA cost relative to the revenue with the historical value can also be an indication of how efficient the company has become.

Warren Buffett likes companies with consistent SGA as the percentage of gross profit.

Companies with no durable competitive advantage show wild variation in SG&A as % of Gross Profit.

If SGA is less than 30% of Gross Profit, it is fantastic. If SGA is nearing 100%, it is is in highly competitive industry.


Encore Capital Group Selling, General, & Admin. Expense Related Terms


Encore Capital Group Selling, General, & Admin. Expense Historical Data

* Premium members only.

The historical data trend for Encore Capital Group's Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense Chart

Encore Capital Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Selling, General, & Admin. Expense
Get a 7-Day Free Trial Premium Member Only Premium Member Only 121.86 137.63 132.84 156.47 141.72

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
Selling, General, & Admin. Expense Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 37.94 35.83 33.42 37.90 34.28

FRA:ECP vs QFIN, EZPW, AGM.A: Selling, General, & Admin. Expense Comparison

For the Credit Services subindustry, Encore Capital Group's Selling, General, & Admin. Expense, along with its competitors' market caps and Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Encore Capital Group's Selling, General, & Admin. Expense distribution charts can be found below:

* The bar in red indicates where Encore Capital Group's Selling, General, & Admin. Expense falls into.


FRA:ECP
68GF Score
Encore Capital Group Inc FRA:ECP
Selling, General, & Admin. Expense is just one metric. See GF Score™, valuation, warning signs, and more.
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Encore Capital Group Selling, General, & Admin. Expense Calculation

Selling, General, & Admin. Expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. For instance, personnel cost, advertising, rent, communication costs are all part of SGA.

Selling, General, & Admin. Expense 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 €141 Mil.

* 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.

What does a Selling, General, & Admin. Expense of €141 Mil mean?
Encore Capital Group (FRA:ECP) has a Selling, General, & Admin. Expense of €141 Mil as of Mar. 2026. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on Encore Capital Group and its competitors.
Is Encore Capital Group's Selling, General, & Admin. Expense too high?
Encore Capital Group's current Selling, General, & Admin. Expense is €141 Mil. 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 Selling, General, & Admin. Expense compare to QFIN and EZPW?
Encore Capital Group's Selling, General, & Admin. Expense of €141 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Selling, General, & Admin. Expense for a Credit Services company?
A good Selling, General, & Admin. Expense depends on the Credit Services industry context. However, Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense mean?
A high Selling, General, & Admin. Expense can signal that a stock is expensive relative to its fundamentals. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on Encore Capital Group and its competitors. Encore Capital Group's current Selling, General, & Admin. Expense is €141 Mil. 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 €62.24, compared to a current price of €79.50 — trading 27.7% above its estimated fair value. The current Selling, General, & Admin. Expense is €141 Mil. 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 Selling, General, & Admin. Expense calculated?
Selling, General, & Admin. Expense is calculated from a company's financial statements. For Encore Capital Group (FRA:ECP), the current Selling, General, & Admin. Expense is €141 Mil 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 (FRA:ECP) Overvalued in 2026?

Based on GuruFocus' analysis, Encore Capital Group stock appears to be overvalued. The current stock price of €79.50 is trading 27.7% above its estimated GF Value™ of €62.24. GuruFocus considers Encore Capital Group to be Modestly Overvalued.

Key valuation signals for FRA:ECP:

  • Selling, General, & Admin. Expense: €141 Mil
  • GF Value™: €62.24 vs. price of €79.50 (27.7% above fair value)
  • GF Score™: 68/100 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.
68GF Score

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Selling, General, & Admin. Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€79.50
Price
€62.24
GF Value