Encore Capital Group, Inc. (ECPG) Financial Ratios
28 years of historical data (1998–2025) · Financial Services · Financial - Mortgages
EV/EBITDA
↑
8.82
↓-64% vs avg
5yr avg: 24.40
30Y Low2.1·High78.3
P/FCF
↑
14.01
↑+48% vs avg
5yr avg: 9.48
30Y Low0.2·High21.5
P/B Ratio
↓
2.00
↑+48% vs avg
5yr avg: 1.35
30Y Low0.2·High5.8
ROE
↑
29.5%
↓+276% vs avg
5yr avg: 7.8%
30Y Low-281%·High160%
Debt/EBITDA
↑
6.33
↓-66% vs avg
5yr avg: 18.54
30Y Low0.5·High19.4
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
ECPG Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Encore Capital Group, Inc. trades at 7.6x earnings, 35% above its 5-year average of 5.6x, sitting at the 32nd percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 44%. On a free-cash-flow basis, the stock trades at 14.0x P/FCF, 48% above the 5-year average of 9.5x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $1.8B | $1.3B | $1.1B | $1.2B | $1.3B | $1.9B | $1.2B | $1.1B | $671M | $1.1B | $742M |
| Enterprise Value | $5.8B | $5.3B | $4.6B | $4.4B | $4.0B | $4.7B | $4.3B | $4.4B | $4.0B | $4.3B | $3.4B |
| P/E Ratio → | 7.61 | 4.98 | — | — | 6.43 | 5.52 | 5.83 | 6.63 | 5.79 | 13.37 | 9.68 |
| P/S Ratio | 1.01 | 0.73 | 0.87 | 0.98 | 0.89 | 1.20 | 0.82 | 0.80 | 0.49 | 0.94 | 0.72 |
| P/B Ratio | 2.00 | 1.31 | 1.49 | 1.28 | 1.06 | 1.63 | 1.01 | 1.09 | 0.82 | 1.54 | 1.24 |
| P/FCF | 14.01 | 10.08 | 8.97 | 11.86 | 9.33 | 7.17 | 4.44 | 5.43 | 5.63 | 11.62 | 7.52 |
| P/OCF | 11.61 | 8.35 | 7.30 | 7.85 | 5.94 | 6.38 | 3.95 | 4.55 | 3.59 | 8.98 | 5.70 |
P/E links to full P/E history page with 30-year chart
ECPG EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Encore Capital Group, Inc.'s enterprise value stands at 8.8x EBITDA, 64% below its 5-year average of 24.4x. The Financial Services sector median is 11.4x, placing the stock at a 23% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.98 | 3.50 | 3.57 | 2.86 | 2.94 | 2.88 | 3.17 | 2.94 | 3.66 | 3.30 |
| EV / EBITDA | 8.82 | 8.05 | 24.31 | 74.84 | 7.88 | 6.94 | 7.51 | 9.10 | 8.97 | 11.92 | 12.30 |
| EV / EBIT | 9.23 | 8.42 | 32.59 | 201.77 | 8.63 | 7.82 | 8.79 | 10.58 | 10.17 | 12.96 | 13.98 |
| EV / FCF | — | 41.40 | 36.28 | 43.06 | 29.87 | 17.59 | 15.55 | 21.61 | 33.56 | 45.42 | 34.45 |
ECPG Profitability
Margins and return-on-capital ratios measuring operating efficiency
Encore Capital Group, Inc. earns an operating margin of 35.4%, significantly above the Financial Services sector average of 20.3%. Operating margins have expanded from 1.4% to 35.4% over the past 3 years, signaling improving operational efficiency. ROE of 29.5% indicates solid capital efficiency, compared to the sector median of 9.0%. ROIC of 9.8% represents adequate returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 69.0% | 69.0% | 45.9% | 46.7% | 55.0% | 57.5% | 55.6% | 54.0% | 54.3% | 52.9% | 49.7% |
| Operating Margin | 35.4% | 35.4% | 12.0% | 1.4% | 33.1% | 39.2% | 35.5% | 31.9% | 29.8% | 27.3% | 23.5% |
| Net Profit Margin | 14.6% | 14.6% | -10.6% | -16.9% | 13.9% | 21.7% | 14.1% | 12.0% | 8.5% | 7.0% | 7.4% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 29.5% | 29.5% | -16.3% | -19.5% | 16.5% | 29.2% | 18.9% | 18.2% | 15.0% | 12.6% | 12.3% |
| ROA | 5.1% | 5.1% | -3.0% | -4.5% | 4.3% | 7.4% | 4.3% | 3.5% | 2.5% | 2.0% | 1.9% |
| ROIC | 9.8% | 9.8% | 2.7% | 0.3% | 8.4% | 10.9% | 8.9% | 7.6% | 7.2% | 6.4% | 5.0% |
| ROCE | 12.6% | 12.6% | 3.5% | 0.4% | 11.4% | 16.1% | 14.0% | 11.2% | 9.5% | 8.5% | 6.6% |
ECPG Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Encore Capital Group, Inc. carries a Debt/EBITDA ratio of 6.3x, which is highly leveraged (49% above the sector average of 4.3x). Net debt stands at $4.0B ($4.1B total debt minus $157M cash). Interest coverage of just 2.2x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 4.23 | 4.23 | 4.79 | 3.54 | 2.46 | 2.53 | 2.69 | 3.43 | 4.26 | 4.76 | 4.67 |
| Debt / EBITDA | 6.33 | 6.33 | 19.35 | 56.94 | 5.70 | 4.39 | 5.69 | 7.21 | 7.82 | 9.46 | 10.15 |
| Net Debt / Equity | — | 4.07 | 4.53 | 3.37 | 2.34 | 2.37 | 2.53 | 3.24 | 4.07 | 4.47 | 4.42 |
| Net Debt / EBITDA | 6.09 | 6.09 | 18.30 | 54.22 | 5.42 | 4.11 | 5.37 | 6.81 | 7.46 | 8.87 | 9.61 |
| Debt / FCF | — | 31.32 | 27.31 | 31.20 | 20.54 | 10.41 | 11.11 | 16.19 | 27.94 | 33.80 | 26.92 |
| Interest Coverage | 2.17 | 2.17 | 0.56 | 0.11 | 3.03 | 3.57 | 2.35 | 1.92 | 1.66 | 1.64 | 1.31 |
ECPG Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Encore Capital Group, Inc.'s current ratio of 595.09x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.95x to 595.09x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 595.09 | 595.09 | 1.05 | 0.95 | 0.78 | 0.35 | 0.33 | 0.20 | 0.55 | 0.74 | 0.64 |
| Quick Ratio | 595.09 | 595.09 | 1.05 | 0.95 | 0.78 | 0.35 | 0.33 | 0.20 | 0.55 | 0.74 | 0.64 |
| Cash Ratio | 488.42 | 488.42 | 0.86 | 0.72 | 0.54 | 0.26 | 0.22 | 0.15 | 0.55 | 0.74 | 0.64 |
| Asset Turnover | — | 0.33 | 0.27 | 0.26 | 0.31 | 0.35 | 0.31 | 0.28 | 0.29 | 0.26 | 0.28 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
ECPG Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Encore Capital Group, Inc. returns 5.1% to shareholders annually primarily through share buybacks. The earnings yield of 13.1% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 13.1% | 20.1% | — | — | 15.6% | 18.1% | 17.2% | 15.1% | 17.3% | 7.5% | 10.3% |
| FCF Yield | 7.1% | 9.9% | 11.2% | 8.4% | 10.7% | 13.9% | 22.5% | 18.4% | 17.8% | 8.6% | 13.3% |
| Buyback Yield | 5.1% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 5.1% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $24M | $24M | $24M | $26M | $31M | $32M | $31M | $29M | $26M | $26M |
Peer Comparison
Compare ECPG with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 ECPGYou | $2B | 7.6 | 8.8 | 14.0 | 69.0% | 35.4% | 29.5% | 9.8% | 6.3 |
 PRA | $1B | 24.9 | 19.5 | — | 39.4% | 6.6% | 4.0% | 3.2% | 5.1 |
 PRAA | $570M | -1.9 | 1.2 | — | 99.2% | 33.9% | -27.3% | 11.2% | 0.1 |
 FCFS | $10B | 30.6 | 12.8 | 21.4 | 51.7% | 15.4% | 15.3% | 9.2% | 2.8 |
 RM | $350M | 8.4 | 21.6 | 1.1 | 52.3% | 12.4% | 12.2% | 3.0% | 18.8 |
 SLM | $5B | 6.7 | 6.2 | 7.9 | 53.1% | 31.9% | 32.3% | 8.8% | 5.9 |
 CACC | $6B | 15.4 | 10.5 | 5.7 | 98.7% | 47.6% | 25.9% | 10.4% | 5.6 |
 ALLY | $14B | 19.2 | 10.6 | — | 52.0% | 8.6% | 5.8% | 2.2% | 8.9 |
 COF | $125B | 50.0 | 15.7 | 4.8 | 47.3% | 3.3% | 2.8% | 1.3% | 6.8 |
 SYF | $26B | 8.1 | 5.1 | 2.7 | 51.0% | 24.2% | 21.3% | 10.8% | 3.0 |
 FICO | $25B | 41.3 | 30.2 | 33.0 | 82.2% | 46.5% | — | 59.7% | 3.3 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 28 years · Updated daily
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Check Valuation
Historical Returns
10-year return with dividends reinvested.
Calculate
DCA Calculator
See how regular investing compounds over time.
Run Numbers
Peer Comparison
Compare growth, multiples, and margins vs sector.
Compare
ECPG — Frequently Asked Questions
Quick answers to the most common questions about buying ECPG stock.
What is Encore Capital Group, Inc.'s P/E ratio?
Encore Capital Group, Inc.'s current P/E ratio is 7.6x. The historical average is 11.1x. This places it at the 32th percentile of its historical range.
What is Encore Capital Group, Inc.'s EV/EBITDA?
Encore Capital Group, Inc.'s current EV/EBITDA is 8.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 14.9x.
What is Encore Capital Group, Inc.'s ROE?
Encore Capital Group, Inc.'s return on equity (ROE) is 29.5%. This is above the typical threshold of 15-20% considered good for most companies. The historical average is 6.3%.
Is ECPG stock overvalued?
Based on historical data, Encore Capital Group, Inc. is trading at a P/E of 7.6x. This is at the 32th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are Encore Capital Group, Inc.'s profit margins?
Encore Capital Group, Inc. has 69.0% gross margin and 35.4% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Encore Capital Group, Inc. have?
Encore Capital Group, Inc.'s Debt/EBITDA ratio is 6.3x, indicating high leverage. A ratio above 4x may signal elevated financial risk.