Encore Capital Group (FRA:ECP) SpecialCharges

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 €79.00
GF Value €62.22
Valuation Modestly Overvalued
! 10 Warning Signs
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What is Encore Capital Group SpecialCharges?

Special Charges only applies to banks.

FRA:ECP
67GF Score
Encore Capital Group Inc FRA:ECP
SpecialCharges is just one metric. See GF Score™, valuation, warning signs, and more.
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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 €79.00 is trading 27% above its estimated GF Value™ of €62.22. GuruFocus considers Encore Capital Group to be Modestly Overvalued.

Key valuation signals for FRA:ECP:

  • SpecialCharges:
  • GF Value™: €62.22 vs. price of €79.00 (27% 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

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

€79.00
Price
€62.22
GF Value