ECPG
Encore Capital Group Inc
NASDAQ: ECPG · FINANCIAL SERVICES · CREDIT SERVICES
$82.33
+1.07% today
Updated 2026-06-05
Market cap
$1.71B
P/E ratio
6.23
P/S ratio
0.93x
EPS (TTM)
$12.84
Dividend yield
—
52W range
$36 – $93
Volume
0.3M
WallStSmart proprietary scores
90
out of 100
Grade: A+
Strong Buy
Investment rating
8.0
Growth
A4.0
Quality
C9.0
Profitability
A+8.3
Valuation
A6/9
Piotroski F-Score
Moderate
1.2
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →202 stocks currently score above 75
Price targets
Analyst target
$104.33
+26.72%
12-Month target
$88.62
+7.64%
Intrinsic (DCF)
—
Margin of safety
—
1 Strong Buy2 Buy1 Hold0 Sell0 Strong Sell
Price chart
Stock snapshot
Strengths
+ ROE 28.63% — strong efficiency
+ Free cash flow $77.47M — positive
+ Revenue growth 21.00% QoQ
Risks
- Altman Z 1.18 — distress zone
- Debt/equity 3.90x — high leverage
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $1.40B | $1.22B | $1.32B | $1.76B | $1.85B |
| Net income | $194.56M | $-206.49M | $-139.24M | $256.83M | $86.24M |
| EPS | — | — | — | — | $12.84 |
| Free cash flow | $134.12M | $101.28M | $127.16M | $126.93M | $77.47M |
| Profit margin | 13.91% | -16.89% | -10.58% | 14.57% | 16.00% |
Peer comparison
Smart narrative
Encore Capital Group Inc trades at $82.33. representing a P/E of 6.23x trailing earnings. Our Smart Value Score of 90/100 indicates the stock is excellent. The company scores 6/9 on the Piotroski F-Score. With an Altman Z-Score of 1.18, it sits in the distress. TTM revenue stands at $1.85B. with profit margins at 16.00%.
Frequently asked questions
What is Encore Capital Group Inc's stock price?
Encore Capital Group Inc (ECPG) trades at $82.33, on a P/E of 6.2x and a P/S of 0.9x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is Encore Capital Group Inc overvalued?
Encore Capital Group Inc carries a Smart Value Score of 90/100 (Grade A+), which we rate Strong Buy. That score blends growth, quality, and valuation into one read.
What is the price target of Encore Capital Group Inc (ECPG)?
The 12-month analyst consensus target is $104.33, about 26.7% above the current $82.33. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is Encore Capital Group Inc's revenue?
Encore Capital Group Inc's trailing twelve-month revenue is $1.85B. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Altman Z-Score?
Encore Capital Group Inc's Altman Z-Score is 1.18, which places it in the distress. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.
Company info
SectorFINANCIAL SERVICES
IndustryCREDIT SERVICES
CountryUSA
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio0.93x
ROE28.63%
Beta1.33
50D MA$78.43
200D MA$57.94
Shares out0.02B
Float0.02B
Short ratio—
Avg volume0.3M
Performance
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