# Encore Capital Group Inc (ECPG) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Consumer Lending. Price $99.83, market value $2.1 billion.

## Valuation
- **P/E (trailing): 7.6×** (5-yr avg 5.6×, 3-yr avg 5.0×). Encore Capital Group Inc trades at 7.6× trailing earnings, well above its own five-year average of 5.6×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 7.5×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.03**. A PEG of 0.03 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 25.7×**. Each dollar of revenue is priced at 25.7×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 2.0×**. The shares trade at 2.0× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 8.0×**. Enterprise value is 8.0× operating earnings before depreciation, the multiple that ignores how the company is financed.
- **Free-cash-flow yield: 5.9%** (5-yr avg 11.9%). Free cash flow equals 5.9% of the market value, below its five-year average of 11.9%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 13.2%**. The inverse of the P/E: 13.2% of the price is earned each year.

## Profitability
- **Net margin: 290.6%**. 290.6% of each dollar of sales reaches the bottom line.
- **Return on equity: 26.3%**. 26.3% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on invested capital: 11.7%**. Return on all capital, debt included, is 11.7%.
- **Return on assets: 5.6%**. Each dollar of assets produces 5.6% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 4.3%** (3-yr -2.3%/yr, 5-yr -5.1%/yr). Revenue grew 4.3% over the last year, against -5.1% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 287.1%** (3-yr 13.5%/yr, 5-yr 10.3%/yr). Earnings per share rose 287.1%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): -9.9%/yr**. Free cash flow has compounded at -9.9% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $157 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. Encore Capital Group Inc does not currently pay a dividend.

## Price and momentum
- **Total return (1 yr): 141.1%** (YTD 84.4%, 3-mo 4.1%). The shares are up 141.1% over twelve months including dividends.
- **From 52-week high: -5.8%** (143.1% above the low). Trading 6% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 50**. An RSI of 50 is neutral.
- **Beta (1 yr): 0.86** (volatility 35%). Beta of 0.86 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=ECPG · Page: https://foliofundamentals.com/stocks/ecpg

Not investment advice.