Last 48 quarters of trend data · Financial Services · Financial - Mortgages
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Encore Capital Group, Inc.'s quarterly P/E stands at 4.5x, up 2.3% year-over-year. EV/EBITDA has compressed 78.4% YoY to 1.8x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 7.54 | 4.54 | 4.03 | 3.29 | 3.89 | 4.44 | — | 9.38 | 7.79 | 14.43 | — | 15.11 | 11.25 |
| — | +2.3% | — | -64.9% | -50.1% | -69.2% | — | -37.9% | -30.8% | -14.2% | — | +62.2% | +78.5% | |
| P/S Ratio | 1.00 | 0.82 | 0.65 | 0.53 | 0.52 | 0.53 | 1.07 | 0.79 | 0.71 | 0.85 | 1.09 | 0.94 | 0.91 |
| — | +55.4% | -39.1% | -32.2% | -27.1% | -37.7% | -1.2% | -16.4% | -22.5% | -15.6% | -10.0% | -1.8% | -14.5% | |
| P/B Ratio | 1.98 | 1.51 | 1.27 | 1.03 | 1.02 | 1.02 | 1.49 | 1.10 | 1.02 | 1.17 | 1.29 | 0.97 | 0.96 |
| — | +48.9% | -14.7% | -6.4% | +0.1% | -13.2% | +15.5% | +13.3% | +6.4% | +10.1% | +34.5% | -1.7% | -22.8% | |
| P/FCF | 13.87 | 5.05 | 31.33 | 3.25 | 71.44 | 5.43 | 19.30 | 7.26 | 8.88 | 6.32 | 163.97 | 6.28 | 13.36 |
| — | -7.0% | +62.4% | -55.3% | +704.9% | -14.1% | -88.2% | +15.5% | -33.6% | -37.6% | +2204.0% | +0.7% | +37.1% | |
| EV / EBITDA | 8.79 | 1.75 | 7.23 | 6.57 | 7.44 | 8.11 | — | 9.75 | 9.63 | 11.78 | — | 11.92 | 10.63 |
| — | -78.4% | — | -32.6% | -22.7% | -31.1% | — | -18.2% | -9.4% | -8.7% | — | +18.1% | +33.3% | |
| EV / EBIT | 9.20 | — | 7.53 | 6.96 | 7.80 | 8.69 | — | 10.50 | 10.51 | 12.98 | — | 13.40 | 12.71 |
| — | — | — | -33.7% | -25.8% | -33.1% | — | -21.6% | -17.3% | -16.0% | — | +12.6% | +43.0% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Encore Capital Group, Inc.'s operating margin was 38.7% in Q1 2026, up 2.1 pp QoQ and up 5.8 pp YoY. The trailing four-quarter average of 36.8% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 3.9% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 69.0% | 75.9% | 93.5% | 55.7% | 73.4% | 73.0% | 31.5% | 62.0% | 49.8% | 48.1% | 41.4% | 48.5% | 49.4% |
| — | +3.9% | +196.6% | -10.2% | +47.3% | +51.7% | -23.9% | +27.9% | +0.8% | +2.7% | +18.7% | -5.3% | -8.6% | |
| Operating Margin | 35.4% | 38.7% | 36.6% | 37.6% | 34.1% | 32.9% | -50.5% | 28.9% | 28.7% | 25.5% | -78.3% | 24.4% | 27.3% |
| — | +17.5% | +172.5% | +30.2% | +18.9% | +29.4% | +35.5% | +18.5% | +5.1% | +13.5% | -7848.4% | -6.8% | -18.2% | |
| Net Margin | 14.6% | 18.1% | 16.2% | 16.2% | 13.3% | 11.9% | -84.8% | 8.3% | 9.1% | 7.1% | -97.6% | 6.2% | 8.1% |
| — | +52.3% | +119.1% | +94.3% | +46.6% | +68.4% | +13.1% | +33.7% | +11.2% | +18.8% | -212.4% | -39.0% | -51.9% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 29.5% | 8.6% | 7.9% | 8.1% | 6.8% | 5.9% | -24.8% | 3.0% | 3.3% | 2.5% | -25.4% | 1.6% | 2.2% |
| — | +45.3% | +132.0% | +168.3% | +106.6% | +140.0% | +2.1% | +89.3% | +52.3% | +56.0% | -311.5% | -38.8% | -55.4% | |
| ROA | 5.1% | 1.6% | 1.4% | 1.4% | 1.2% | 1.0% | -4.6% | 0.6% | 0.7% | 0.5% | -5.8% | 0.4% | 0.6% |
| — | +66.7% | +131.4% | +128.7% | +70.7% | +92.3% | +20.1% | +55.6% | +23.1% | +23.1% | -248.4% | -44.0% | -58.7% | |
| ROIC | 9.8% | 4.5% | 2.6% | 2.7% | 2.4% | 2.1% | -2.2% | 1.8% | 1.7% | 1.5% | -3.8% | 1.3% | 1.5% |
| — | +109.5% | +216.8% | +51.4% | +36.9% | +46.6% | +41.4% | +35.9% | +14.9% | +16.0% | -8661.8% | -15.2% | -30.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 4.23 | — | 4.23 | 4.13 | 4.43 | 4.63 | 4.79 | 3.39 | 3.50 | 3.53 | 3.54 | 2.60 | 2.60 |
| — | — | -11.6% | +21.9% | +26.6% | +31.2% | +35.1% | +30.4% | +34.7% | +35.5% | +44.2% | +15.2% | +14.5% | |
| Debt / EBITDA | 6.33 | — | 22.91 | 21.81 | 25.09 | 27.73 | — | 31.08 | 31.61 | 36.79 | — | 35.91 | 32.43 |
| — | — | — | -29.8% | -20.6% | -24.6% | — | -13.5% | -2.5% | -3.3% | — | +23.1% | +51.6% | |
| Current Ratio | 595.09 | — | 595.09 | 0.21 | 0.20 | 0.21 | 1.05 | 1.22 | 1.59 | 0.41 | 0.95 | 0.22 | 0.25 |
| — | — | +56426.9% | -82.7% | -87.1% | -49.0% | +10.4% | +458.6% | +531.0% | +76.2% | +21.9% | +2.1% | +7.6% | |
| Quick Ratio | 595.09 | — | 595.09 | 0.21 | 0.20 | 0.21 | 1.05 | 1.22 | 1.59 | 0.41 | 0.95 | 0.22 | 0.25 |
| — | — | +56426.9% | -82.7% | -87.1% | -49.0% | +10.4% | +458.6% | +531.0% | +76.2% | +21.9% | +2.1% | +7.6% | |
| Interest Coverage | 2.17 | 2.52 | 2.30 | 2.42 | 2.14 | 1.90 | -1.82 | 1.69 | 1.63 | 1.58 | -4.06 | 1.64 | 1.65 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorDCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare business quality, growth, and profitability against top sector peers.
Start ComparisonQuick answers to the most common questions about buying ECPG stock.
Encore Capital Group, Inc.'s current P/E is 7.5x. The average P/E over the last 4 quarters is 3.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Encore Capital Group, Inc.'s current operating margin is 35.4%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Encore Capital Group, Inc.'s business trajectory between earnings reports.