Last 48 quarters of trend data · Financial Services · Financial - Mortgages
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 9.01 | 8.30 | 4.54 | 4.03 | 3.29 | 3.89 | 4.44 | — | 9.38 | 7.79 | 14.43 | — | 15.11 | 11.25 | 16.82 | — | 9.32 | 6.31 | 2.45 | 6.14 | 4.63 |
| — | +113.6% | +2.3% | — | -64.9% | -50.1% | -69.2% | — | -37.9% | -30.8% | -14.2% | — | +62.2% | +78.5% | +586.3% | — | +101.3% | +63.4% | -27.6% | -26.3% | -17.4% | |
| P/S Ratio | 1.43 | 1.27 | 0.97 | 0.78 | 0.63 | 0.61 | 0.64 | 1.53 | 0.95 | 0.86 | 1.01 | 1.35 | 1.11 | 1.08 | 1.18 | 1.45 | 1.10 | 1.19 | 0.93 | 1.46 | 1.04 |
| — | +107.1% | +52.2% | -49.3% | -33.6% | -28.2% | -36.8% | +13.4% | -14.5% | -20.9% | -14.6% | -6.5% | +1.0% | -9.4% | +27.7% | -1.1% | +5.6% | +22.9% | +7.2% | +56.2% | +18.7% | |
| P/B Ratio | 2.37 | 1.97 | 1.51 | 1.27 | 1.03 | 1.02 | 1.02 | 1.49 | 1.10 | 1.02 | 1.17 | 1.29 | 0.97 | 0.96 | 1.06 | 0.96 | 0.99 | 1.24 | 1.38 | 1.57 | 1.10 |
| — | +93.5% | +48.9% | -14.7% | -6.4% | +0.1% | -13.2% | +15.5% | +13.3% | +6.4% | +10.1% | +34.5% | -1.7% | -22.8% | -23.2% | -39.2% | -10.5% | +12.7% | +38.1% | +54.9% | +1.4% | |
| P/FCF | 16.60 | — | 5.05 | 31.33 | 3.25 | 71.44 | 5.43 | 19.30 | 7.26 | 8.88 | 6.32 | 163.97 | 6.28 | 13.36 | 10.14 | 7.12 | 6.24 | 9.75 | 9.08 | 5.70 | 7.85 |
| — | — | -7.0% | +62.4% | -55.3% | +704.9% | -14.1% | -88.2% | +15.5% | -33.6% | -37.6% | +2204.0% | +0.7% | +37.1% | +11.6% | +24.9% | -20.5% | +91.9% | +85.3% | -6.3% | -21.7% | |
| EV / EBITDA | 9.32 | 7.89 | 7.07 | 7.23 | 6.57 | 7.44 | 8.11 | — | 9.75 | 9.63 | 11.78 | — | 11.92 | 10.63 | 12.90 | 74.37 | 10.09 | 7.97 | 4.06 | 8.57 | 5.78 |
| — | +6.0% | -12.8% | — | -32.6% | -22.7% | -31.1% | — | -18.2% | -9.4% | -8.7% | — | +18.1% | +33.3% | +217.7% | +768.3% | +74.5% | +38.5% | -31.2% | +7.2% | -17.8% | |
| EV / EBIT | 9.75 | 9.76 | 7.37 | 7.53 | 6.96 | 7.92 | 8.69 | — | 10.75 | 10.51 | 12.98 | — | 13.40 | 12.71 | 15.46 | — | 11.90 | 8.89 | 4.30 | 9.78 | 7.20 |
| — | +23.3% | -15.2% | — | -35.3% | -24.7% | -33.1% | — | -19.8% | -17.3% | -16.0% | — | +12.6% | +43.0% | +259.6% | — | +65.2% | +33.8% | -33.7% | -24.0% | -18.6% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 69.0% | 38.0% | 69.5% | 93.5% | 55.7% | 73.4% | 73.0% | 31.5% | 62.0% | 49.8% | 48.1% | 41.4% | 48.5% | 49.4% | 46.9% | 34.9% | 51.3% | 54.1% | 67.5% | 55.0% | 58.6% |
| — | -48.2% | -4.8% | +196.6% | -10.2% | +47.3% | +51.7% | -23.9% | +27.9% | +0.8% | +2.7% | +18.7% | -5.3% | -8.6% | -30.6% | -36.5% | -12.5% | -7.3% | +17.1% | +7.2% | +0.8% | |
| Operating Margin | 35.4% | 38.0% | 38.7% | 36.6% | 37.6% | 34.1% | 32.9% | -50.5% | 28.9% | 28.7% | 25.5% | -78.3% | 24.4% | 27.3% | 22.4% | -1.0% | 26.2% | 33.3% | 53.0% | 34.7% | 40.4% |
| — | +11.5% | +17.5% | +172.5% | +30.2% | +18.9% | +29.4% | +35.5% | +18.5% | +5.1% | +13.5% | -7848.4% | -6.8% | -18.2% | -57.7% | -102.8% | -35.2% | -18.2% | +31.3% | +6.9% | +14.4% | |
| Net Margin | 14.6% | 13.0% | 18.2% | 16.2% | 16.2% | 13.3% | 11.9% | -84.8% | 8.3% | 9.1% | 7.1% | -97.6% | 6.2% | 8.1% | 6.0% | -31.2% | 10.2% | 16.9% | 35.2% | 21.3% | 20.3% |
| — | -2.0% | +53.1% | +119.1% | +94.3% | +46.6% | +68.4% | +13.1% | +33.7% | +11.2% | +18.8% | -212.4% | -39.0% | -51.9% | -83.1% | -246.7% | -49.5% | -24.9% | +54.9% | +118.3% | +49.6% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 29.5% | 6.1% | 8.6% | 7.9% | 8.1% | 6.8% | 5.9% | -24.8% | 3.0% | 3.3% | 2.5% | -25.4% | 1.6% | 2.2% | 1.6% | -6.2% | 2.6% | 4.9% | 14.5% | 5.9% | 6.1% |
| — | -11.6% | +45.3% | +132.0% | +168.3% | +106.6% | +140.0% | +2.1% | +89.3% | +52.3% | +56.0% | -311.5% | -38.8% | -55.4% | -89.1% | -204.7% | -57.2% | -33.4% | +90.9% | +85.2% | +20.5% | |
| ROA | 5.1% | 1.2% | 1.6% | 1.4% | 1.4% | 1.2% | 1.0% | -4.6% | 0.6% | 0.7% | 0.5% | -5.8% | 0.4% | 0.6% | 0.4% | -1.7% | 0.7% | 1.3% | 3.8% | 1.7% | 1.8% |
| — | +0.5% | +66.7% | +131.4% | +128.7% | +70.7% | +92.3% | +20.1% | +55.6% | +23.1% | +23.1% | -248.4% | -44.0% | -58.7% | -89.4% | -199.6% | -60.4% | -34.8% | +94.0% | +113.6% | +56.9% | |
| ROIC | 9.8% | 2.7% | 2.7% | 2.6% | 2.7% | 2.4% | 2.1% | -2.2% | 1.8% | 1.7% | 1.5% | -3.8% | 1.3% | 1.5% | 1.3% | -0.0% | 1.5% | 2.2% | 4.8% | 2.2% | 2.9% |
| — | +13.7% | +25.8% | +216.8% | +51.4% | +36.9% | +46.6% | +41.4% | +35.9% | +14.9% | +16.0% | -8661.8% | -15.2% | -30.2% | -73.5% | -102.0% | -47.8% | -26.9% | +68.2% | +5.8% | +20.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 4.23 | 3.87 | 3.90 | 4.23 | 4.13 | 4.43 | 4.63 | 4.79 | 3.39 | 3.50 | 3.53 | 3.54 | 2.60 | 2.60 | 2.60 | 2.46 | 2.26 | 2.27 | 2.35 | 2.53 | 2.00 |
| — | -12.5% | -15.8% | -11.6% | +21.9% | +26.6% | +31.2% | +35.1% | +30.4% | +34.7% | +35.5% | +44.2% | +15.2% | +14.5% | +10.6% | -2.8% | +12.8% | +2.4% | -4.5% | -6.0% | -30.7% | |
| Debt / EBITDA | 6.33 | 21.54 | 21.25 | 22.91 | 21.81 | 25.09 | 27.73 | — | 31.08 | 31.61 | 36.79 | — | 35.91 | 32.43 | 38.04 | 222.05 | 29.19 | 21.39 | 10.60 | 21.97 | 15.47 |
| — | -14.1% | -23.4% | — | -29.8% | -20.6% | -24.6% | — | -13.5% | -2.5% | -3.3% | — | +23.1% | +51.6% | +259.0% | +910.5% | +88.7% | +32.9% | -39.5% | -9.2% | -27.2% | |
| Current Ratio | 595.09 | 25.12 | 0.33 | 595.09 | 0.21 | 0.20 | 0.21 | 1.18 | 1.22 | 1.59 | 0.41 | 0.95 | 0.22 | 0.25 | 0.23 | 0.78 | 0.21 | 0.23 | 0.24 | 0.35 | 0.41 |
| — | +12197.3% | +57.9% | +50304.2% | -82.7% | -87.1% | -49.0% | +23.8% | +458.6% | +531.0% | +76.2% | +21.9% | +2.1% | +7.6% | -4.1% | +125.1% | -47.5% | -40.2% | -22.3% | +5.4% | +35.4% | |
| Quick Ratio | 595.09 | 25.12 | 0.33 | 595.09 | 0.21 | 0.20 | 0.21 | 1.18 | 1.22 | 1.59 | 0.41 | 0.95 | 0.22 | 0.25 | 0.23 | 0.78 | 0.21 | 0.23 | 0.24 | 0.35 | 0.41 |
| — | +12197.3% | +57.9% | +50304.2% | -82.7% | -87.1% | -49.0% | +23.8% | +458.6% | +531.0% | +76.2% | +21.9% | +2.1% | +7.6% | -4.1% | +125.1% | -47.5% | -40.2% | -22.3% | +5.4% | +35.4% | |
| Interest Coverage | 2.17 | 2.12 | 2.58 | 2.30 | 2.42 | 2.11 | 1.90 | -1.82 | 1.65 | 1.63 | 1.58 | -4.06 | 1.64 | 1.65 | 1.44 | -0.18 | 1.99 | 3.16 | 7.55 | 3.14 | 3.55 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying ECPG stock.
Encore Capital Group, Inc.'s current P/E is 9.0x. The average P/E over the last 4 quarters is 5.0x. 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.