Encore Capital Group, Inc.
General ticker "ECPG" information:
- Sector: Financials
- Industry: Consumer Finance
- Capitalization: $990.5M (TTM average)
Encore Capital Group, Inc. follows the US Stock Market performance with the rate: 50.6%.
Estimated limits based on current volatility of 1.9%: low 52.13$, high 53.88$
Factors to consider:
- Total employees count: 7346 (-0.7%) as of 2024
- US accounted for 75.4% of revenue in the fiscal year ended 2024-12-31
- Top business risk factors: IT system failures, Receivable portfolio costs, Cybersecurity threats, Geopolitical risks, Regulatory and compliance
- Earnings for 9 months up through Q3 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 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [47.46$, 67.24$]
- 2025-12-31 to 2026-12-31 estimated range: [48.81$, 69.89$]
Financial Metrics affecting the ECPG estimates:
- Negative: with PPE of 9.4 at the end of fiscal year the price was very high
- Positive: 7.86 < Operating profit margin, % of 11.95
- Positive: Operating cash flow per share per price, % of 13.79 > 13.24
- Negative: Shareholder equity ratio, % of 16.02 <= 18.93
- Negative: negative Industry operating cash flow (median)
- Positive: Inventory ratio change, % of 0 <= 0
- Positive: Industry inventory ratio change (median), % of 0 <= 0
Short-term ECPG quotes
Long-term ECPG plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $1,398.35MM | $1,222.68MM | $1,316.36MM |
| Operating Expenses | $936.17MM | $1,206.14MM | $1,159.03MM |
| Operating Income | $462.17MM | $16.54MM | $157.33MM |
| Non-Operating Income | $-151.19MM | $-196.80MM | $-253.54MM |
| Interest Expense | $153.31MM | $201.88MM | $252.54MM |
| Income(Loss) | $310.99MM | $-180.26MM | $-96.22MM |
| Taxes | $116.42MM | $26.23MM | $43.03MM |
| Profit(Loss)* | $194.56MM | $-206.49MM | $-139.24MM |
| Stockholders Equity | $1,179.63MM | $936.54MM | $767.33MM |
| Assets | $4,508.36MM | $4,630.49MM | $4,789.73MM |
| Operating Cash Flow | $210.68MM | $152.99MM | $156.17MM |
| Capital expenditure | $76.56MM | $51.71MM | $29.01MM |
| Investing Cash Flow | $-130.24MM | $-401.94MM | $-440.43MM |
| Financing Cash Flow | $-107.44MM | $268.30MM | $317.77MM |
| Earnings Per Share** | $8.06 | $-8.72 | $-5.83 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.