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Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. Encore Capital Group's current 3-Year Share Buyback Ratio was 2.40%.
The historical rank and industry rank for Encore Capital Group's 3-Year Share Buyback Ratio or its related term are showing as below:
FRA:ECP'
s 3-Year Share Buyback Ratio Range Over the Past 10 Years
Min: -45.7 Med: -1.2 Max: 9.1
Current: 2.4
During the past 13 years, Encore Capital Group's highest 3-Year Share Buyback Ratio was 9.10%. The lowest was -45.70%. And the median was -1.20%.
FRA:ECP's 3-Year Share Buyback Ratio is ranked better than 91.1% of 281
companies
in the Credit Services industry
Industry Median: -3.1
vs FRA:ECP: 2.40
Encore Capital Group (FRA:ECP) 3-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
Encore Capital Group 3-Year Share Buyback Ratio Related Terms
FRA:ECP vs EZPW, AGM.A, QFIN: 3-Year Share Buyback Ratio Comparison
For the Credit Services subindustry, Encore Capital Group's 3-Year Share Buyback Ratio, along with its competitors' market caps and 3-Year Share Buyback 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 3-Year Share Buyback Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Encore Capital Group's 3-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where Encore Capital Group's 3-Year Share Buyback Ratio falls into.
Encore Capital Group 3-Year Share Buyback Ratio Calculation
This is the annualized percentage change in shares outstanding from three years ago to the current year. The annualized percentage change is calculated with expontential compound based on the latest four years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Share Buyback Ratio of 2.40 mean?
Encore Capital Group (FRA:ECP) has a 3-Year Share Buyback Ratio of 2.40 as of Jun. 2026. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Encore Capital Group and its competitors. According to the industry distribution chart, Encore Capital Group ranks #25 out of 281 companies in the Credit Services industry, placing it in the top 8.9%.
Is Encore Capital Group's 3-Year Share Buyback Ratio too high?
Encore Capital Group's current 3-Year Share Buyback Ratio is 2.40. Based on the distribution chart, Encore Capital Group ranks #25 out of 281 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 3-Year Share Buyback Ratio compare to EZPW and AGM.A?
According to the Credit Services industry distribution chart, Encore Capital Group ranks #25 out of 281 companies for 3-Year Share Buyback Ratio. This places Encore Capital Group in the top 9% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Share Buyback Ratio for a Credit Services company?
A good 3-Year Share Buyback Ratio depends on the Credit Services industry context. However, 3-Year Share Buyback Ratio 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 3-Year Share Buyback Ratio mean?
A high 3-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Encore Capital Group and its competitors. Encore Capital Group's current 3-Year Share Buyback Ratio is 2.40. 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 €65.15, compared to a current price of €84.50 — trading 29.7% above its estimated fair value. The current 3-Year Share Buyback Ratio is 2.40. 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 3-Year Share Buyback Ratio calculated?
3-Year Share Buyback Ratio is calculated from a company's financial statements. For Encore Capital Group (FRA:ECP), the current 3-Year Share Buyback Ratio is 2.40 as of Jun. 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 €84.50 is trading 29.7% above its estimated GF Value™ of €65.15.
GuruFocus considers Encore Capital Group to be Modestly Overvalued.
Key valuation signals for FRA:ECP:
3-Year Share Buyback Ratio: 2.40
GF Value™: €65.15 vs. price of €84.50 (29.7% above fair value)
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
Get the complete analysis for FRA:ECP
3-Year Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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