Encore Capital Group, Inc. (ECPG) — Analysis Summary
Encore Capital Group, Inc. (ECPG) has a market cap of $2.16B with year-over-year revenue growth of +4.3%. Net margin stands at 290.6%. The stock trades at a P/E ratio of 7.2.
Key Takeaways
- Revenue changed +4.3% year-over-year
- Net margin of 290.6%
- P/E ratio of 7.2
Compared to other companies in the SHORT-TERM BUSINESS CREDIT INSTITUTIONS sector, ECPG posted revenue growth of +4.3% and trades at a P/E of 7.2.
Encore Capital Group, Inc. (ECPG)
UPDATED — ET · MARKET DATA POLYGON · FINANCIALS SEC EDGAR
Red Flags & WarningsHigh Risk Signals
Multiple material red flags are active and deserve closer underwriting before relying on any valuation output.
Debt/EBITDA at 5.6x — elevated leverage
Interest coverage at 2.4x — limited headroom for earnings decline
D/E at 3.9x — high financial leverage
Operating margin (870.6%) exceeds gross margin (0.0%) — check for other operating income or data classification issues
Encore Capital Group Inc is an international specialty finance company engaged in providing debt recovery solutions and other related services for consumers across a broad range of financial assets. It mainly purchases portfolios of defaulted consumer receivables at deep discounts to face value and manages them by working with individuals to repay their obligations and work toward financial recovery. The company also provides debt servicing and other portfolio management services to credit originators for non-performing loans in Europe. It has only one reportable segment, debt purchasing and recovery. Geographically, the company generates maximum revenue from its business in the United States, followed by the United Kingdom, Europe, and other regions.
Sector
SHORT-TERM BUSINESS CREDIT INSTITUTIONS
Employees
7,350
Headquarters
SAN DIEGO, CA
Exchange
XNAS
Systematic competitive advantage assessment based on 4yr data
This assessment is based on quantitative analysis of historical financial data and does not constitute investment advice. Moat ratings may change with industry and competitive dynamics.
First version surfaces recent SEC Forms 3, 4, and 5 activity. It does not yet parse individual buy/sell transactions.
Capital Structure
Cash Flow
Disclaimer: This is not financial advice. Data sourced from SEC EDGAR and Polygon.io. Past performance does not guarantee future results. Always conduct your own research before making investment decisions.