Encore Capital Group, Inc. (ECPG) P/E Ratio History
Historical price-to-earnings valuation from 2002 to 2025
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ECPG Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
As of May 6, 2026, Encore Capital Group, Inc. (ECPG) trades at a price-to-earnings ratio of 7.7x, with a stock price of $84.24 and trailing twelve-month earnings per share of $11.28.
The current P/E is roughly in line with its 5-year average of 7.7x. Over the past five years, ECPG's P/E has ranged from a low of 3.7x to a high of 43.9x, placing the current valuation at the 90th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.4x, ECPG trades at a 42% discount to its sector peers. The sector includes 779 companies with P/E ratios ranging from 0.0x to 195.8x.
The PEG ratio of 0.75 (P/E divided by 287% EPS growth) suggests the stock may be undervalued relative to its earnings growth. Peter Lynch popularized the rule that a PEG below 1.0 indicates an attractive entry point.
Relative to the broader market, ECPG trades at a notable discount to the S&P 500 median P/E of 25.2x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our ECPG DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
ECPG P/E vs Peers
P/E ratio compared to closely matched public peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $1B | 24.8 | - | -4% | |
| $10B | 30.5 | 1.28 | +29% | |
| $329M | 7.9 | 0.60 | +7% | |
| $4B | 6.5Lowest | 0.72 | +29% | |
| $6B | 14.4 | 1.42 | +89%Best | |
| $14B | 18.7 | - | +32% | |
| $120B | 48.0 | - | -65% | |
| $26B | 8.1 | 0.24Best | +9% | |
| $25B | 40.2 | 1.46 | +30% |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
ECPG Historical P/E Data (2002–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q4 | Wed Dec 31 2025 00:00:00 GM | $54.35 | $10.96 | 5.0x | -57% |
| FY2023 Q1 | Fri Mar 31 2023 00:00:00 GM | $50.45 | $1.15 | 43.9x | +284% |
| FY2022 Q4 | Sat Dec 31 2022 00:00:00 GM | $47.94 | $6.80 | 7.0x | -38% |
| FY2022 Q3 | Fri Sep 30 2022 00:00:00 GM | $45.48 | $12.44 | 3.7x | -68% |
| FY2022 Q2 | $57.77 | $13.88 | 4.2x | -64% | |
| FY2022 Q1 | $62.73 | $14.66 | 4.3x | -63% | |
| FY2021 Q4 | Fri Dec 31 2021 00:00:00 GM | $62.11 | $11.23 | 5.5x | -52% |
| FY2021 Q3 | $49.27 | $9.87 | 5.0x | -56% | |
| FY2021 Q2 | Wed Jun 30 2021 00:00:00 GM | $47.39 | $8.93 | 5.3x | -53% |
| FY2021 Q1 | Wed Mar 31 2021 00:00:00 GM | $40.23 | $9.99 | 4.0x | -65% |
| FY2020 Q4 | $38.95 | $6.69 | 5.8x | -49% | |
| FY2020 Q3 | Wed Sep 30 2020 00:00:00 GM | $38.59 | $6.88 | 5.6x | -51% |
Average P/E for displayed period: 11.4x
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Start ComparisonECPG — Frequently Asked Questions
Quick answers to the most common questions about buying ECPG stock.
Is ECPG stock overvalued or undervalued?
ECPG trades at 7.7x P/E, near its 5-year average of 7.7x. The 90th percentile ranking places valuation within normal historical bounds.
How does ECPG's valuation compare to peers?
Encore Capital Group, Inc. P/E of 7.7x compares to sector median of 13.4x. The discount suggests lower growth expectations or higher risk.
What is ECPG's PEG ratio?
ECPG PEG ratio is 0.75. Below 1.0 indicates valuation is supported by earnings growth rate. Historical P/E data spans 2002-2025.