Encore Capital Group, Inc.
General ticker "ECPG" information:
- Sector: Financials
- Industry: Financial - Mortgages
- Capitalization: $1.4B (TTM average)
Encore Capital Group, Inc. follows the US Stock Market performance with the rate: 57.7%.
Estimated limits based on current volatility of 1.7%: low 93.48$, high 96.76$
Factors to consider:
- Total employees count: 7350 (+0.1%) as of 2025
- US accounted for 75.4% of revenue in the fiscal year ended 2024-12-31
- Top business risk factors: Economic downturns and volatility, Regulatory and compliance, Litigation risks, Liquidity and credit risks, Third-party risks
- Current price 36.0% above estimated high
- Earnings for 6 months up through Q2 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [47.36$, 70.51$]
- 2026-12-31 to 2027-12-31 estimated range: [51.55$, 76.36$]
Financial Metrics affecting the ECPG estimates:
- Positive: with PPE of 5.0 at the end of fiscal year the price was neutral
- Positive: 11.37 < Operating cash flow per share per price, % of 11.99
- Positive: Operating profit margin, % of 35.38 > 33.79
- Positive: Industry operating cash flow per share per price (median), % of 20.98 > 16.44
- Positive: 3.48 < Return on assets ratio (scaled to [-100,100]) of 4.59
- Positive: Industry inventory ratio change (median), % of 0 <= 0
- Negative: 12.78 < Shareholder equity ratio, % of 18.29 <= 25.20
- Negative: -0.37 < Inventory ratio change, % of 0
- Positive: Industry operating profit margin (median), % of 57.41 > 26.54
Short-term ECPG quotes
Long-term ECPG plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $1,222.68MM | $1,316.36MM | $1,762.52MM |
| Operating Expenses | $1,206.14MM | $1,159.03MM | $1,138.95MM |
| Operating Income | $16.54MM | $157.33MM | $623.56MM |
| Non-Operating Income | $-196.80MM | $-253.54MM | $-287.40MM |
| Interest Expense | $201.88MM | $252.54MM | $287.63MM |
| Income(Loss) | $-180.26MM | $-96.22MM | $336.16MM |
| Taxes | $26.23MM | $43.03MM | $79.33MM |
| Net Income(Loss)* | $-206.49MM | $-139.24MM | $256.83MM |
| Stockholders Equity | $936.54MM | $767.33MM | $976.75MM |
| Assets | $4,630.49MM | $4,789.73MM | $5,339.80MM |
| Operating Cash Flow | $152.99MM | $156.17MM | $153.20MM |
| Capital expenditure | $51.71MM | $29.22MM | $26.27MM |
| Investing Cash Flow | $-401.94MM | $-440.43MM | $-242.59MM |
| Financing Cash Flow | $268.30MM | $317.77MM | $44.85MM |
| Earnings Per Share** | $-8.72 | $-5.83 | $11.05 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.