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Financial Services - Financial - Mortgages - NASDAQ - US
$ 29.65
-5.33 %
$ 702 M
Market Cap
-5.09
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one ECPG stock under the worst case scenario is HIDDEN Compared to the current market price of 29.6 USD, Encore Capital Group, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one ECPG stock under the base case scenario is HIDDEN Compared to the current market price of 29.6 USD, Encore Capital Group, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one ECPG stock under the best case scenario is HIDDEN Compared to the current market price of 29.6 USD, Encore Capital Group, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart ECPG

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$55.0$55.0$50.0$50.0$45.0$45.0$40.0$40.0$35.0$35.0$30.0$30.0$25.0$25.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
1.32 B REVENUE
7.66%
157 M OPERATING INCOME
851.50%
-139 M NET INCOME
32.57%
156 M OPERATING CASH FLOW
2.08%
-440 M INVESTING CASH FLOW
-9.58%
318 M FINANCING CASH FLOW
18.44%
266 M REVENUE
-27.64%
-134 M OPERATING INCOME
-126.49%
-225 M NET INCOME
-735.26%
23.5 M OPERATING CASH FLOW
-48.74%
-265 M INVESTING CASH FLOW
-504.13%
187 M FINANCING CASH FLOW
2179.81%
Balance Sheet Encore Capital Group, Inc.
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Current Assets 246 M
Cash & Short-Term Investments 200 M
Receivables 0
Other Current Assets 46 M
Non-Current Assets 588 M
Long-Term Investments 0
PP&E 80.6 M
Other Non-Current Assets 508 M
23.96 %5.51 %9.66 %60.87 %Total Assets$834.3m
Current Liabilities 234 M
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 234 M
Non-Current Liabilities 3.79 B
Long-Term Debt 3.67 B
Other Non-Current Liabilities 116 M
5.81 %91.31 %2.89 %Total Liabilities$4.0b
EFFICIENCY
Earnings Waterfall Encore Capital Group, Inc.
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Revenue 1.32 B
Cost Of Revenue 423 M
Gross Profit 893 M
Operating Expenses 736 M
Operating Income 157 M
Other Expenses 297 M
Net Income -139 M
1b1b1b1b1b1b800m800m600m600m400m400m200m200m00(200m)(200m)1b(423m)893m(736m)157m(297m)(139m)RevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
67.87% GROSS MARGIN
67.87%
11.95% OPERATING MARGIN
11.95%
-10.58% NET MARGIN
-10.58%
-18.15% ROE
-18.15%
-2.91% ROA
-2.91%
37.90% ROIC
37.90%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Encore Capital Group, Inc.
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300m300m250m250m200m200m150m150m100m100m50m50m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income -139 M
Depreciation & Amortization 32.4 M
Capital Expenditures -29 M
Stock-Based Compensation 14 M
Change in Working Capital 28.2 M
Others 215 M
Free Cash Flow 127 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Encore Capital Group, Inc.
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Wall Street analysts predict an average 1-year price target for ECPG of $58 , with forecasts ranging from a low of $58 to a high of $58 .
ECPG Lowest Price Target Wall Street Target
58 USD 95.62%
ECPG Average Price Target Wall Street Target
58 USD 95.62%
ECPG Highest Price Target Wall Street Target
58 USD 95.62%
Price
Max Price Target
Min Price Target
Average Price Target
60605555505045454040353530302525May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 6
6. Ownership
Insider Ownership Encore Capital Group, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
65.9 K USD 1
6-9 MONTHS
62.6 K USD 1
9-12 MONTHS
0 USD 0
Bought
2.11 M USD 2
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Encore Capital Group, Inc. (ECPG) Investors Who Lost Money – Contact Law Offices of Howard G. Smith About Securities Fraud Investigation BENSALEM, Pa.--(BUSINESS WIRE)--Law Offices of Howard G. Smith continues its investigation on behalf of Encore Capital Group, Inc. (“Encore Capital” or the “Company”) (NASDAQ: ECPG) investors concerning the Company's possible violations of federal securities laws. IF YOU ARE AN INVESTOR WHO SUFFERED A LOSS IN ENCORE CAPITAL GROUP, INC. (ECPG), CONTACT THE LAW OFFICES OF HOWARD G. SMITH ABOUT POTENTIALLY PURSUING CLAIMS TO RECOVER YOUR LOSS. Contact the Law Offices of Howard G. Smith to discuss. businesswire.com - 1 month ago
Securities Fraud Investigation Into Encore Capital Group, Inc. (ECPG) Continues – Investors Who Lost Money Urged To Contact Glancy Prongay & Murray LLP, a Leading Securities Fraud Law Firm LOS ANGELES--(BUSINESS WIRE)--Glancy Prongay & Murray LLP, a leading national shareholder rights law firm, continues its investigation on behalf of Encore Capital Group, Inc. (“Encore Capital” or the “Company”) (NASDAQ: ECPG) investors concerning the Company's possible violations of the federal securities laws. IF YOU ARE AN INVESTOR WHO LOST MONEY ON ENCORE CAPITAL GROUP, INC. (ECPG), CLICK HERE TO INQUIRE ABOUT POTENTIALLY PURSUING CLAIMS TO RECOVER YOUR LOSS. What Happened? On February 2. businesswire.com - 1 month ago
Securities Fraud Investigation Into Encore Capital Group, Inc. (ECPG) Continues – Investors Who Lost Money Urged To Contact The Law Offices of Frank R. Cruz LOS ANGELES--(BUSINESS WIRE)--The Law Offices of Frank R. Cruz continues its investigation of Encore Capital Group, Inc. (“Encore Capital” or the “Company”) (NASDAQ: ECPG) on behalf of investors concerning the Company's possible violations of federal securities laws. IF YOU ARE AN INVESTOR WHO LOST MONEY ON ENCORE CAPITAL GROUP, INC. (ECPG), CLICK HERE TO INQUIRE ABOUT POTENTIALLY PURSUING A CLAIM TO RECOVER YOUR LOSS. What Is The Investigation About? On February 26, 2025, Encore Capital releas. businesswire.com - 1 month ago
Securities Fraud Investigation Into Encore Capital Group, Inc. (ECPG) Announced – Investors Who Lost Money Urged To Contact Glancy Prongay & Murray LLP, a Leading Securities Fraud Law Firm LOS ANGELES--(BUSINESS WIRE)--Glancy Prongay & Murray LLP, a leading national shareholder rights law firm, today announced that it has commenced an investigation on behalf of Encore Capital Group, Inc. (“Encore Capital” or the “Company”) (NASDAQ: ECPG) investors concerning the Company's possible violations of the federal securities laws. IF YOU ARE AN INVESTOR WHO LOST MONEY ON ENCORE CAPITAL GROUP, INC. (ECPG), CLICK HERE TO INQUIRE ABOUT POTENTIALLY PURSUING CLAIMS TO RECOVER YOUR LOSS. W. businesswire.com - 1 month ago
Encore Capital Group, Inc. (ECPG) Investors Who Lost Money – Contact Law Offices of Howard G. Smith About Securities Fraud Investigation BENSALEM, Pa.--(BUSINESS WIRE)--Law Offices of Howard G. Smith announces an investigation on behalf of Encore Capital Group, Inc. (“Encore Capital” or the “Company”) (NASDAQ: ECPG) investors concerning the Company's possible violations of federal securities laws. IF YOU ARE AN INVESTOR WHO SUFFERED A LOSS IN ENCORE CAPITAL GROUP, INC. (ECPG), CONTACT THE LAW OFFICES OF HOWARD G. SMITH ABOUT POTENTIALLY PURSUING CLAIMS TO RECOVER YOUR LOSS. Contact the Law Offices of Howard G. Smith to discuss y. businesswire.com - 1 month ago
Securities Fraud Investigation Into Encore Capital Group, Inc. (ECPG) Announced – Investors Who Lost Money Urged to Contact The Law Offices of Frank R. Cruz LOS ANGELES--(BUSINESS WIRE)--The Law Offices of Frank R. Cruz announces an investigation of Encore Capital Group, Inc. (“Encore Capital” or the “Company”) (NASDAQ: ECPG) on behalf of investors concerning the Company's possible violations of federal securities laws. IF YOU ARE AN INVESTOR WHO LOST MONEY ON ENCORE CAPITAL GROUP, INC. (ECPG), CLICK HERE TO INQUIRE ABOUT POTENTIALLY PURSUING A CLAIM TO RECOVER YOUR LOSS. What Is The Investigation About? On February 26, 2025, Encore Capital release. businesswire.com - 1 month ago
Encore Capital Group to Meet with Investors and Present at the Raymond James 46th Annual Institutional Investors Conference SAN DIEGO, March 03, 2025 (GLOBE NEWSWIRE) -- Encore Capital Group, Inc. (Nasdaq:ECPG), an international specialty finance company, announced today that Encore management will be meeting with investors at the Raymond James 46th Annual Institutional Investors Conference on Tuesday, March 4, 2025. In addition, Ashish Masih, Encore's President and Chief Executive Officer, will be making a presentation at the conference at 11:00am Eastern time on the same day. A link to the live webcast and a copy of the presentation will be available in the Investor Events & Presentations section of the company's website at encorecapital.com/investor-events-presentations. globenewswire.com - 1 month ago
Encore Capital Shares Plunge 21.9% Since Q4 Earnings Miss ECPG expects portfolio purchasing to surpass the 2024 figure of $1.35 billion in 2025. zacks.com - 1 month ago
Encore Capital Group, Inc. (ECPG) Q4 2024 Earnings Call Transcript Encore Capital Group, Inc. (NASDAQ:ECPG ) Q4 2024 Earnings Conference Call February 26, 2025 5:00 PM ET Company Participants Bruce Thomas - VP, Global IR Ashish Masih - President & CEO Jonathan Clark - EVP & CFO Ryan Bell - President, Midland Credit Management Tomas Hernanz - CFO, Cabot Credit Management Conference Call Participants David Scharf - Citizens JMP Mark Hughes - Truist Securities Mike Grondahl - Northland John Rowan - Janney Montgomery Scott Robert Dodd - Raymond James Operator Good day, everyone, and thank you for standing by. Welcome to the Encore Capital Group's Fourth Quarter 2024 Earnings Conference Call. seekingalpha.com - 1 month ago
Encore Capital Group (ECPG) Lags Q4 Earnings and Revenue Estimates Encore Capital Group (ECPG) came out with quarterly earnings of $1.50 per share, missing the Zacks Consensus Estimate of $1.55 per share. This compares to earnings of $1.25 per share a year ago. zacks.com - 1 month ago
Encore Capital Group Announces Fourth Quarter and Full-Year 2024 Financial Results SAN DIEGO, Feb. 26, 2025 (GLOBE NEWSWIRE) -- Encore Capital Group, Inc. (NASDAQ: ECPG), an international specialty finance company, today reported consolidated financial results for the fourth quarter and full year ended December 31, 2024. globenewswire.com - 1 month ago
Encore Capital Group to Announce Fourth Quarter 2024 Financial Results on February 26 SAN DIEGO, Jan. 16, 2025 (GLOBE NEWSWIRE) -- Encore Capital Group, Inc. (Nasdaq:ECPG), an international specialty finance company, announced today that it will release its financial results for the fourth quarter 2024 on Wednesday, February 26, 2025, after the market closes. The Company will also host a conference call and slide presentation the same day at 2:00 p.m. Pacific / 5:00 p.m. Eastern time with Ashish Masih, President and Chief Executive Officer, Jonathan Clark, Executive Vice President and Chief Financial Officer, and Bruce Thomas, Vice President, Global Investor Relations, presenting and discussing the reported results. globenewswire.com - 3 months ago
8. Profile Summary

Encore Capital Group, Inc. ECPG

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COUNTRY US
INDUSTRY Financial - Mortgages
MARKET CAP $ 702 M
Dividend Yield 0.00%
Description Encore Capital Group, Inc., a specialty finance company, provides debt recovery solutions and other related services for consumers across financial assets worldwide. The company purchases portfolios of defaulted consumer receivables at deep discounts to face value, as well as manages them by working with individuals as they repay their obligations and works toward financial recovery. It is also involved in the provision of early stage collection, business process outsourcing, and contingent collection services, as well as debt servicing and other portfolio management services to credit originator for non-performing loans. The company was incorporated in 1999 and is headquartered in San Diego, California.
Contact 350 Camino De La Reina, San Diego, CA, 92108 https://www.encorecapital.com
IPO Date July 9, 1999
Employees 7350
Officers Ms. Monique Dumais-Chrisope Senior Vice President & Chief Information Officer Ms. Tracy Ting Senior Vice President & Chief Human Resources Officer Mr. Ashish Masih President, Chief Executive Officer & Director Mr. Steve Carmichael Senior Vice President and Chief Risk, Strategy & Compliance Officer Faryar Borhani Vice President & Chief Communications Officer Mr. Bruce Thomas Vice President of Global Investor Relations