ENCORE CAP Financials

ECP Stock

EUR 46.20 1.00 2.12%

Financial data analysis helps to check if markets are right now mispricing ENCORE CAP GROUP. We were able to interpolate twenty-seven available financial indicators for ENCORE CAP, which can be compared to its peers in the sector. The stock experiences an unexpected downward movement. The market is reacting to new fundamentals. Check odds of ENCORE CAP to be traded at €44.35 in 90 days.

ENCORE CAP Balance Sheet Chart

At this time, ENCORE CAP's Good Will is most likely to decrease significantly in the upcoming years. The ENCORE CAP's current Non Current Liabilities Other is estimated to increase to about 137.2 M, while Total Current Liabilities is projected to decrease to roughly 199.7 M.

Total Assets Total Current Liabilities Total Stockholder Equity Retained Earnings

Key indicators impacting ENCORE CAP's financial strength include:

Current Value

Last Year

Change From Last Year

10 Year Trend

Operating Income

392.9 M

248.8 M

Way Up

Slightly volatile

Understanding current and past ENCORE CAP Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of ENCORE CAP's financial statements are interrelated, with each one affecting the others. For example, an increase in ENCORE CAP's assets may result in an increase in income on the income statement.

ENCORE CAP Stock Summary

ENCORE CAP competes with Beta Systems, Alfa Financial, Harmony Gold, Upland Software, and Supermarket Income. ENCORE CAP is entity of Germany. It is traded as Stock on F exchange.

Foreign Associate	USA
Specialization	Financial Services, Credit Services
Instrument	Germany Stock View All
Exchange	Frankfurt Exchange
ISIN	US2925541029
Business Address	350 Camino De
Sector	Metals & Mining
Industry	Materials
Benchmark	Dow Jones Industrial
Website	www.encorecapital.com
Phone	877 345 3002
Currency	EUR - Euro

You should never invest in ENCORE CAP without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of ENCORE Stock, because this is throwing your money away. Analyzing the key information contained in ENCORE CAP's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

ENCORE CAP Key Financial Ratios

There are many critical financial ratios that ENCORE CAP's investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that ENCORE CAP GROUP reports annually and quarterly.

	Revenue	1.32 B
	Gross Profit	1.56 B
	EBITDA	469 M
	Net Income	(139.24 M)
	Total Asset	4.79 B

More Fundamentals

ENCORE CAP Key Balance Sheet Accounts

	2021	2022	2023	2024	2025	2026 (projected)
Total Assets	4.6B	4.5B	4.6B	4.8B	5.5B	5.0B
Retained Earnings	1.2B	1.3B	1.0B	909.9M	1.0B	1.0B
Cash	189.6M	143.9M	158.4M	199.9M	229.8M	194.7M
Long Term Debt	2.5B	2.8B	3.3B	3.7B	4.2B	2.9B
Good Will	897.8M	821.2M	606.5M	507.8M	457.0M	640.6M
Total Liab	3.4B	3.3B	3.7B	4.0B	4.6B	4.0B
Short Long Term Debt	627.6M	514.1M	68.4M	29.3M	26.4M	25.1M
Total Current Assets	258.5M	208.6M	200.0M	245.9M	221.3M	210.7M
Intangible Assets	45.0M	36.3M	22.1M	48K	43.2K	41.0K
Net Debt	2.8B	2.7B	3.2B	3.5B	3.1B	2.5B
Net Invested Capital	4.2B	4.1B	4.3B	4.4B	5.1B	4.7B
Net Working Capital	(485.2M)	(58.0M)	(19.2M)	12.3M	14.2M	14.9M
Capital Stock	245K	233K	235K	237K	213.3K	215.2K

ENCORE CAP Key Income Statement Accounts

An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket.

	2021	2022	2023	2024	2025	2026 (projected)
Tax Provision	85.3M	116.4M	26.2M	43.0M	49.5M	62.4M
Net Interest Income	(169.6M)	(153.3M)	(201.9M)	(252.5M)	(290.4M)	(304.9M)
Interest Expense	169.6M	153.3M	186.2M	237.8M	273.4M	168.3M
Total Revenue	1.6B	1.4B	1.2B	1.3B	1.5B	1.5B
Gross Profit	928.0M	769.7M	571.2M	603.6M	543.2M	635.5M
Operating Income	633.3M	466.2M	273.5M	276.5M	248.8M	392.9M
Cost Of Revenue	686.5M	628.6M	651.4M	712.8M	819.7M	596.5M
Income Before Tax	436.5M	311.0M	(180.3M)	(96.2M)	(86.6M)	(82.3M)
Net Income	350.8M	194.6M	(206.5M)	(139.2M)	(125.3M)	(119.1M)
Ebitda	448.3M	535.0M	656.3M	514.8M	592.0M	536.9M

ENCORE CAP Key Cash Accounts

Cash flow analysis captures how much money flows into and out of ENCORE CAP GROUP. It measures of how well ENCORE is doing because it can show the actual money that comes into and out of the Company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money ENCORE CAP brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money ENCORE had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what ENCORE CAP has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (capital allocation) and investing in non-business activities like paying off debt or making acquisitions.

	2021	2022	2023	2024	2025	2026 (projected)
Investments	362.3M	(81.4M)	(402.1M)	(476.5M)	(548.0M)	(520.6M)
Change In Cash	(12.7M)	(27.0M)	19.4M	33.5M	38.5M	40.5M
Depreciation	50.1M	46.4M	41.7M	32.4M	37.3M	45.3M
Capital Expenditures	50.5M	76.6M	51.7M	29.2M	33.6M	50.0M
Total Cash From Operating Activities	303.1M	210.7M	153.0M	156.2M	179.6M	222.6M
Net Income	350.8M	194.6M	(206.5M)	(139.2M)	(125.3M)	(119.1M)
Total Cash From Financing Activities	(655.7M)	(107.4M)	268.3M	317.8M	286.0M	300.3M
End Period Cash Flow	189.6M	143.9M	158.4M	199.9M	229.8M	194.7M
Free Cash Flow	252.6M	134.1M	101.3M	126.9M	114.3M	131.3M
Change In Working Capital	3.0M	(37.7M)	5.5M	28.2M	32.4M	34.0M
Begin Period Cash Flow	189.2M	189.6M	143.9M	158.4M	142.5M	139.3M
Other Non Cash Items	(154.9M)	(58.5M)	97.4M	123.9M	142.5M	149.7M
Stock Based Compensation	18.3M	15.4M	13.9M	14.0M	12.6M	12.1M

ENCORE Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining ENCORE CAP's current stock value. Our valuation model uses many indicators to compare ENCORE CAP value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across ENCORE CAP competition to find correlations between indicators driving ENCORE CAP's intrinsic value. More Info.

ENCORE CAP GROUP is rated # 4 in return on equity category among its peers. It also is rated # 4 in return on asset category among its peers . The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the ENCORE CAP's earnings, one of the primary drivers of an investment's value.

ENCORE CAP GROUP Total Assets Over Time

Most indicators from ENCORE CAP's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into ENCORE CAP GROUP current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in ENCORE CAP GROUP. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in state.

The ENCORE CAP's current Tax Provision is estimated to increase to about 62.4 M, while Selling General Administrative is projected to decrease to roughly 163.8 M.

	2023	2024	2025	2026 (projected)
Gross Profit	571.2M	603.6M	543.2M	635.5M
Total Revenue	1.2B	1.3B	1.5B	1.5B

Gross Profit Total Revenue

ENCORE CAP fundamental ratios Correlations

	Total Assets	Total Current Liabilities	Total Stockholder Equity	Retained Earnings	Accounts Payable	Cash	Non Current Assets Total	Non Currrent Assets Other	Long Term Debt	Good Will	Non Current Liabilities Total	Capital Lease Obligations	Total Liab	Long Term Investments	Short Long Term Debt	Total Current Assets	Non Current Liabilities Other	Intangible Assets	Net Debt	Common Stock Shares Outstanding	Net Invested Capital	Net Working Capital	Capital Stock	Property Plant And Equipment Net	Property Plant And Equipment Gross
Total Assets		-0.36	0.75	0.77	-0.27	0.81	1.0	0.62	0.78	-0.34	0.79	-0.23	0.93	0.96	-0.35	0.23	0.7	-0.16	-0.31	-0.11	0.87	0.58	-0.66	0.62	0.76
Total Current Liabilities	-0.36		-0.34	-0.57	0.71	-0.21	-0.4	-0.74	-0.75	0.76	-0.76	0.79	-0.3	-0.52	1.0	0.67	-0.57	0.88	0.48	0.82	-0.4	-0.96	0.87	-0.63	-0.82
Total Stockholder Equity	0.75	-0.34		0.94	-0.38	0.38	0.76	0.47	0.42	0.05	0.47	0.15	0.44	0.64	-0.32	0.04	0.92	-0.09	-0.59	0.05	0.52	0.51	-0.55	0.87	0.74
Retained Earnings	0.77	-0.57	0.94		-0.47	0.44	0.8	0.63	0.63	-0.19	0.67	-0.11	0.51	0.73	-0.56	-0.11	0.97	-0.3	-0.61	-0.25	0.54	0.73	-0.77	0.9	0.88
Accounts Payable	-0.27	0.71	-0.38	-0.47		-0.18	-0.3	-0.65	-0.46	0.56	-0.47	0.49	-0.14	-0.36	0.68	0.64	-0.53	0.79	0.42	0.49	-0.49	-0.63	0.57	-0.51	-0.62
Cash	0.81	-0.21	0.38	0.44	-0.18		0.79	0.47	0.67	-0.3	0.68	-0.28	0.88	0.78	-0.2	0.45	0.35	-0.02	-0.11	-0.16	0.76	0.4	-0.45	0.34	0.53
Non Current Assets Total	1.0	-0.4	0.76	0.8	-0.3	0.79		0.65	0.79	-0.37	0.81	-0.25	0.92	0.97	-0.39	0.18	0.72	-0.2	-0.32	-0.13	0.87	0.62	-0.69	0.64	0.79
Non Currrent Assets Other	0.62	-0.74	0.47	0.63	-0.65	0.47	0.65		0.82	-0.69	0.83	-0.58	0.57	0.74	-0.73	-0.33	0.67	-0.67	-0.19	-0.47	0.62	0.8	-0.73	0.58	0.78
Long Term Debt	0.78	-0.75	0.42	0.63	-0.46	0.67	0.79	0.82		-0.79	1.0	-0.68	0.81	0.91	-0.75	-0.2	0.57	-0.61	-0.15	-0.54	0.77	0.85	-0.83	0.51	0.82
Good Will	-0.34	0.76	0.05	-0.19	0.56	-0.3	-0.37	-0.69	-0.79		-0.76	0.93	-0.49	-0.57	0.76	0.57	-0.17	0.87	-0.03	0.69	-0.57	-0.71	0.69	-0.14	-0.54
Non Current Liabilities Total	0.79	-0.76	0.47	0.67	-0.47	0.68	0.81	0.83	1.0	-0.76		-0.66	0.81	0.92	-0.76	-0.18	0.62	-0.59	-0.19	-0.55	0.76	0.87	-0.85	0.56	0.85
Capital Lease Obligations	-0.23	0.79	0.15	-0.11	0.49	-0.28	-0.25	-0.58	-0.68	0.93	-0.66		-0.4	-0.43	0.79	0.56	-0.09	0.85	0.15	0.84	-0.43	-0.72	0.69	-0.13	-0.49
Total Liab	0.93	-0.3	0.44	0.51	-0.14	0.88	0.92	0.57	0.81	-0.49	0.81	-0.4		0.93	-0.3	0.28	0.42	-0.16	-0.09	-0.18	0.88	0.5	-0.58	0.34	0.61
Long Term Investments	0.96	-0.52	0.64	0.73	-0.36	0.78	0.97	0.74	0.91	-0.57	0.92	-0.43	0.93		-0.51	0.05	0.66	-0.37	-0.19	-0.26	0.89	0.7	-0.75	0.57	0.8
Short Long Term Debt	-0.35	1.0	-0.32	-0.56	0.68	-0.2	-0.39	-0.73	-0.75	0.76	-0.76	0.79	-0.3	-0.51		0.67	-0.56	0.87	0.47	0.82	-0.38	-0.96	0.87	-0.62	-0.81
Total Current Assets	0.23	0.67	0.04	-0.11	0.64	0.45	0.18	-0.33	-0.2	0.57	-0.18	0.56	0.28	0.05	0.67		-0.15	0.85	0.31	0.59	-0.02	-0.47	0.43	-0.22	-0.33
Non Current Liabilities Other	0.7	-0.57	0.92	0.97	-0.53	0.35	0.72	0.67	0.57	-0.17	0.62	-0.09	0.42	0.66	-0.56	-0.15		-0.33	-0.57	-0.24	0.46	0.71	-0.73	0.85	0.82
Intangible Assets	-0.16	0.88	-0.09	-0.3	0.79	-0.02	-0.2	-0.67	-0.61	0.87	-0.59	0.85	-0.16	-0.37	0.87	0.85	-0.33		0.26	0.74	-0.38	-0.77	0.71	-0.34	-0.6
Net Debt	-0.31	0.48	-0.59	-0.61	0.42	-0.11	-0.32	-0.19	-0.15	-0.03	-0.19	0.15	-0.09	-0.19	0.47	0.31	-0.57	0.26		0.45	-0.22	-0.51	0.57	-0.74	-0.62
Common Stock Shares Outstanding	-0.11	0.82	0.05	-0.25	0.49	-0.16	-0.13	-0.47	-0.54	0.69	-0.55	0.84	-0.18	-0.26	0.82	0.59	-0.24	0.74	0.45		-0.18	-0.73	0.75	-0.27	-0.55
Net Invested Capital	0.87	-0.4	0.52	0.54	-0.49	0.76	0.87	0.62	0.77	-0.57	0.76	-0.43	0.88	0.89	-0.38	-0.02	0.46	-0.38	-0.22	-0.18		0.53	-0.59	0.45	0.69
Net Working Capital	0.58	-0.96	0.51	0.73	-0.63	0.4	0.62	0.8	0.85	-0.71	0.87	-0.72	0.5	0.7	-0.96	-0.47	0.71	-0.77	-0.51	-0.73	0.53		-0.93	0.73	0.91
Capital Stock	-0.66	0.87	-0.55	-0.77	0.57	-0.45	-0.69	-0.73	-0.83	0.69	-0.85	0.69	-0.58	-0.75	0.87	0.43	-0.73	0.71	0.57	0.75	-0.59	-0.93		-0.67	-0.91
Property Plant And Equipment Net	0.62	-0.63	0.87	0.9	-0.51	0.34	0.64	0.58	0.51	-0.14	0.56	-0.13	0.34	0.57	-0.62	-0.22	0.85	-0.34	-0.74	-0.27	0.45	0.73	-0.67		0.89
Property Plant And Equipment Gross	0.76	-0.82	0.74	0.88	-0.62	0.53	0.79	0.78	0.82	-0.54	0.85	-0.49	0.61	0.8	-0.81	-0.33	0.82	-0.6	-0.62	-0.55	0.69	0.91	-0.91	0.89

Click cells to compare fundamentals

ENCORE CAP Account Relationship Matchups

ENCORE CAP fundamental ratios Accounts

	2021	2022	2023	2024	2025	2026 (projected)
Total Assets	4.6B	4.5B	4.6B	4.8B	5.5B	5.0B
Retained Earnings	1.2B	1.3B	1.0B	909.9M	1.0B	1.0B
Cash	189.6M	143.9M	158.4M	199.9M	229.8M	194.7M
Long Term Debt	2.5B	2.8B	3.3B	3.7B	4.2B	2.9B
Good Will	897.8M	821.2M	606.5M	507.8M	457.0M	640.6M
Total Liab	3.4B	3.3B	3.7B	4.0B	4.6B	4.0B
Short Long Term Debt	627.6M	514.1M	68.4M	29.3M	26.4M	25.1M
Total Current Assets	258.5M	208.6M	200.0M	245.9M	221.3M	210.7M
Intangible Assets	45.0M	36.3M	22.1M	48K	43.2K	41.0K
Net Debt	2.8B	2.7B	3.2B	3.5B	3.1B	2.5B
Net Invested Capital	4.2B	4.1B	4.3B	4.4B	5.1B	4.7B
Net Working Capital	(485.2M)	(58.0M)	(19.2M)	12.3M	14.2M	14.9M
Capital Stock	245K	233K	235K	237K	213.3K	215.2K

ENCORE CAP February 5, 2026 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of ENCORE CAP help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of ENCORE CAP GROUP. We use our internally-developed statistical techniques to arrive at the intrinsic value of ENCORE CAP GROUP based on widely used predictive technical indicators. In general, we focus on analyzing ENCORE Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build ENCORE CAP's daily price indicators and compare them against related drivers.

	Downside Deviation	2.28
	Information Ratio	0.1281
	Maximum Drawdown	12.22
	Value At Risk	(3.46)
	Potential Upside	4.42

Complementary Tools for ENCORE Stock analysis

When running ENCORE CAP's price analysis, check to measure ENCORE CAP's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy ENCORE CAP is operating at the current time. Most of ENCORE CAP's value examination focuses on studying past and present price action to predict the probability of ENCORE CAP's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move ENCORE CAP's price. Additionally, you may evaluate how the addition of ENCORE CAP to your portfolios can decrease your overall portfolio volatility.

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