Stock Scorecard
Stock Summary for Encore Capital Group Inc (ECPG) - $40.77 as of 5/9/2025 3:10:48 PM EST
Total Score
9 out of 30
Safety Score
39 out of 100
Currently on the following lists
None
Tim's Recommendation
Avoid
Growth List Algorithm Criteria for ECPG
| Positive earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for ECPG
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for ECPG
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for ECPG
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for ECPG (39 out of 100)
| Stock Price Rating (Max of 10) | 8 |
| Historical Stock Price Rating (Max of 10) | 9 |
| Stock Price Trend (Max of 10) | 2 |
| Book Value (Max of 10) | 8 |
| Book Value to Price (Max of 10) | 1 |
| Analyst Buy Ratings (Max of 5) | 3 |
| Analyst Strong Buy Ratings (Max of 5) | 3 |
| Dividend Yield Percentage (Max of 10) | 0 |
| Operating Margin (Max of 10) | 0 |
| Trading Volume (Max of 10) | 5 |
| Price to Earnings (Max of 10) | 0 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for ECPG
Financial Details for ECPG
Company Overview |
|
|---|---|
| Ticker | ECPG |
| Company Name | Encore Capital Group Inc |
| Country | USA |
| Description | Encore Capital Group, Inc., a specialty finance company, offers debt recovery solutions and other related services to consumers in a variety of financial assets worldwide. The company is headquartered in San Diego, California. |
| Sector Name | FINANCE |
| Industry Name | SHORT-TERM BUSINESS CREDIT INSTITUTIONS |
| Most Recent Quarter | 12/31/2024 |
| Next Earnings Date | N/A |
Stock Price History |
|
| Last Day Price | 40.77 |
| Price 4 Years Ago | 62.11 |
| Last Day Price Updated | 5/9/2025 3:10:48 PM EST |
| Last Day Volume | 398,792 |
| Average Daily Volume | 364,970 |
| 52-Week High | 51.77 |
| 52-Week Low | 26.45 |
| Last Price to 52 Week Low | 54.14% |
Valuation Measures |
|
| Trailing PE | N/A |
| Industry PE | 12.46 |
| Sector PE | 18.79 |
| 5-Year Average PE | -2.39 |
| Free Cash Flow Ratio | 4.79 |
| Industry Free Cash Flow Ratio | 4.98 |
| Sector Free Cash Flow Ratio | 25.54 |
| Current Ratio Most Recent Quarter | 1.05 |
| Total Cash Per Share | 8.52 |
| Book Value Per Share Most Recent Quarter | 32.39 |
| Price to Book Ratio | 1.25 |
| Industry Price to Book Ratio | 0.69 |
| Sector Price to Book Ratio | 2.06 |
| Price to Sales Ratio Twelve Trailing Months | 0.72 |
| Industry Price to Sales Ratio Twelve Trailing Months | 1.86 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.16 |
| Analyst Buy Ratings | 3 |
| Analyst Strong Buy Ratings | 1 |
Share Statistics |
|
| Total Shares Outstanding | 23,448,200 |
| Market Capitalization | 955,983,114 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | N/A |
| Previous Dividend Amount | 0.0000 |
| Current Dividend Amount | 0.0000 |
| Total Years Dividend Increasing | N/A |
| Trailing Annual Dividend Rate | 0.00 |
| Trailing Annual Dividend Yield | 2.42% |
| Forward Annual Dividend Rate | 0.00 |
| Forward Annual Dividend Yield | 0.00% |
| 5-Year Dividend Payments Count | 0 |
| 3-Year Average Dividend Yield | 0.00% |
| 5-Year Average Dividend Yield | 0.00% |
| 1-Year Dividend Growth Rate Percentage | 0.00% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | 0.00% |
| All-Time Dividend Growth Rate Percentage | 0.00% |
| Dividend Payout Ratio | N/A |
Income Statement |
|
| Quarterly Earnings Growth YOY | 59.50% |
| Annual Earnings Growth | 32.57% |
| Reported EPS 12 Trailing Months | -5.83 |
| Reported EPS Past Year | 1.94 |
| Reported EPS Prior Year | -0.71 |
| Net Income Twelve Trailing Months | -139,244,000 |
| Net Income Past Year | -139,244,000 |
| Net Income Prior Year | -206,492,000 |
| Quarterly Revenue Growth YOY | -4.20% |
| 5-Year Revenue Growth | -1.19% |
| Operating Margin Twelve Trailing Months | -5.66% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 199,865,000 |
| Total Cash Past Year | 199,865,000 |
| Total Cash Prior Year | 158,364,000 |
| Net Cash Position Most Recent Quarter | -3,471,832,000 |
| Net Cash Position Past Year | -3,471,832,000 |
| Long Term Debt Past Year | 3,671,697,000 |
| Long Term Debt Prior Year | 2,815,567,000 |
| Total Debt Most Recent Quarter | 3,671,697,000 |
| Equity to Debt Ratio Past Year | 0.17 |
| Equity to Debt Ratio Most Recent Quarter | 0.17 |
| Total Stockholder Equity Past Year | 767,331,000 |
| Total Stockholder Equity Prior Year | 936,538,000 |
| Total Stockholder Equity Most Recent Quarter | 767,331,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 126,949,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 5.41 |
| Free Cash Flow Past Year | 127,161,000 |
| Free Cash Flow Prior Year | 101,283,000 |
Options |
|
| Put/Call Ratio | 0.57 |
| Has Options | Options Chain |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.57 |
| MACD Signal | -0.15 |
| 20-Day Bollinger Lower Band | 25.75 |
| 20-Day Bollinger Middle Band | 40.86 |
| 20-Day Bollinger Upper Band | 55.98 |
| Beta | 1.65 |
| RSI | 67.16 |
| 50-Day SMA | 44.43 |
| 150-Day SMA | 47.95 |
| 200-Day SMA | 50.24 |
System |
|
| Modified | 5/9/2025 10:40:06 PM EST |