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Encore Capital GroupFRA:ECP -1.18%68 Shiller PE Ratio is 19.11 as of Sep. 02, 2026, which is 76% above its 10-year median of 10.86. GuruFocus rates FRA:ECP with a GF Score™ of 68/100 and a GF Value™ of €64.88 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 333 Credit Services companies, Encore Capital Group ranks worse than 59.46% on this metric.
The historical rank and industry rank for Encore Capital Group's Shiller PE Ratio or its related term are showing as below:
FRA:ECP'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 5.24 Med: 10.86 Max: 20.62
Current: 18.5
During the past years, Encore Capital Group's highest Shiller PE Ratio was 20.62. The lowest was 5.24. And the median was 10.86.
FRA:ECP's Shiller PE Ratio is ranked worse than 59.46% of 333
companies
in the Credit Services industry
Industry Median: 14.23
vs FRA:ECP: 18.50
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
Encore Capital Group's adjusted earnings per share data for the three months ended in Jun. 2026 was €2.439. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is €4.37 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Encore Capital Group (FRA:ECP) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
Encore Capital Group Shiller PE Ratio Related Terms
Encore Capital Group Shiller PE Ratio Historical Data
* Premium members only.
The historical data trend for Encore Capital Group's Shiller PE 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.
FRA:ECP vs EZPW, WU, AGM.A: Shiller PE Ratio Comparison
For the Credit Services subindustry, Encore Capital Group's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Encore Capital Group's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where Encore Capital Group's Shiller PE Ratio falls into.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
* 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.
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
Encore Capital Group (FRA:ECP) has a Shiller PE Ratio of 19.11 as of Sep. 02, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Encore Capital Group and its competitors. This is 76% above median its historical median of 10.86. Over the past decade, Encore Capital Group's Shiller PE Ratio has ranged from 5.24 to 20.62. According to the industry distribution chart, Encore Capital Group ranks #198 out of 333 companies in the Credit Services industry, placing it in the top 59.5%.
Is Encore Capital Group's Shiller PE Ratio too high?
Encore Capital Group's current Shiller PE Ratio of 19.11 is 76% above median its 10-year median of 10.86. Over the past 10 years, this metric has ranged from a low of 5.24 to a high of 20.62. The Credit Services industry median Shiller PE Ratio is 14.23. Encore Capital Group's value of 19.11 is 34.3% above this industry median. Based on the distribution chart, Encore Capital Group ranks #198 out of 333 companies in the Credit Services industry, which is below the industry midpoint. 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 Shiller PE Ratio compare to EZPW and WU?
According to the Credit Services industry distribution chart, Encore Capital Group ranks #198 out of 333 companies for Shiller PE Ratio. This places Encore Capital Group in the lower half of its industry. The industry median Shiller PE Ratio is 14.23. Encore Capital Group's value of 19.11 is 34.3% above this benchmark. Historically, Encore Capital Group's own Shiller PE Ratio has ranged from 5.24 to 20.62 over the past decade. While the company's 10-year median is 10.86 vs. the industry median of 14.23, 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 Shiller PE Ratio for a Credit Services company?
The median Shiller PE Ratio among Credit Services companies is 14.23, based on 333 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Encore Capital Group's current Shiller PE Ratio of 19.11 is 34.3% 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Encore Capital Group and its competitors. For the Credit Services industry, the median Shiller PE Ratio is 14.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Encore Capital Group's current Shiller PE Ratio is 19.11, which is 76% above median its own 10-year median of 10.86. 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 €64.88, compared to a current price of €83.50 — trading 28.7% above its estimated fair value. The current Shiller PE Ratio is 19.11, which is 76% above median its 10-year median of 10.86 and 34.3% above the Credit Services industry median of 14.23. Encore Capital Group's overall GF Score™ is 68/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For Encore Capital Group (FRA:ECP), the current Shiller PE Ratio is 19.11 as of Sep. 02, 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 €83.50 is trading 28.7% above its estimated GF Value™ of €64.88.
GuruFocus considers Encore Capital Group to be Modestly Overvalued.
Key valuation signals for FRA:ECP:
Shiller PE Ratio: 19.11 (76% above median its 10-year median of 10.86)
GF Value™: €64.88 vs. price of €83.50 (28.7% above fair value)
Industry Position: 34.3% above the Credit Services median (#198 of 333)
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.
68GF Score
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