ECPG$68.29
$68.6
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Performance
Key Stats
AI ECPG Summary
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Powered by LiveAIOverall Analysis
HoldEncore Capital Group exhibits mixed signals, with strong fundamental performance in profitability and cash flow but a challenging market environment indicated by technicals and recent performance. Thematic relevance in specialty finance is present but not a dominant growth driver.
Thematic
Encore Capital Group operates within the specialty finance sector, focusing on debt recovery. While this segment has ongoing demand, it's not driven by hyper-growth secular themes like AI or clean energy. Its relevance is consistent but lacks significant expansionary momentum.
Fundamental
Encore Capital Group demonstrates strong profitability and solid cash flow generation. However, the recent negative net income and high debt levels relative to its market cap require careful consideration. The current valuation multiples appear somewhat stretched given recent performance.
Technical
The stock is trading below key moving averages, and momentum indicators suggest downward pressure. While some short-term oscillators indicate oversold conditions, the overall trend appears bearish, with resistance at higher price levels.
| Factor | Score |
|---|---|
| Specialty Finance Demand | 70 |
| Economic Sensitivity | 50 |
| Regulatory Landscape | 55 |
| Digital Transformation in Finance | 65 |
| Factor | Score |
|---|---|
| Valuation | 65 |
| Profitability | 30 |
| Growth | 70 |
| Balance Sheet Health | 40 |
| Cash Flow | 80 |
| Factor | Score |
|---|---|
| Trend Analysis | 30 |
| Momentum | 50 |
| Volume Confirmation | 60 |
| Support & Resistance | 40 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Positive EPS Surprises
The company has demonstrated a history of exceeding earnings per share (EPS) estimates in several recent quarters, including a significant positive surprise of 58.98% in Q2 2025 and 13.09% in Q4 2022, indicating operational efficiency and strong earnings generation.
Potentially Undervalued
The Price-to-Sales (PS) ratio for the trailing twelve months (TTM) is 0.9, and for the year 2024, it is 0.8. These values, combined with a negative P/E ratio (indicating losses), might suggest the company is undervalued based on its revenue generation, especially if future profitability improves.
Bearish Points (7)
Consistent Net Losses
The company has reported significant net losses in recent periods, with a net income of -$139.24 million in FY2024 and -$206.49 million in FY2023. The TTM net income is also negative (-$147.87 million), suggesting ongoing profitability challenges.
Negative Earnings & P/E Ratio
The company has a negative Price-to-Earnings (P/E) ratio of -6.1 TTM and -8.0 for 2024, indicating that it is currently not profitable. This makes traditional P/E-based valuation metrics unsuitable and highlights underlying business performance issues.
Calendar
August 2025
7
Next Earnings Date
H: $1.35
A: $1.21
L: $1.06
H: 388.20M
A: 383.42M
L: 376.79M
Profile
Encore Capital Group, Inc., a specialty finance company, provides debt recovery solutions and other related services for consumers across financial assets worldwide. The company purchases portfolios of defaulted consumer receivables at discounts to face value, as well as manages them by working with individuals as they repay their obligations and works toward financial recovery. It is also involved in the provision of early stage collection, business process outsourcing, and contingent collection services. In addition, the company engages in debt servicing and other portfolio management services to credit originator for non-performing loans. Further, it offers credit management services. Encore Capital Group, Inc. was incorporated in 1999 and is headquartered in San Diego, California.
Seasonals
Price Target
57.25 USD
The 39 analysts offering 1 year price forecasts for ECPG have a max estimate of 61.00 and a min estimate of 55.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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