Encore Capital Group Stock Analysis
| ECPG Stock | USD 58.41 0.33 0.57% |
IPO Date 30th of June 1999 | 200 Day MA 45.0415 | 50 Day MA 55.4294 | Beta 1.399 |
Encore Capital Group holds a debt-to-equity ratio of 2.301. At this time, Encore Capital's Long Term Debt is most likely to increase significantly in the upcoming years. The Encore Capital's current Short and Long Term Debt is estimated to increase to about 497 M, while Long Term Debt Total is projected to decrease to roughly 3.6 B. Encore Capital's financial risk is the risk to Encore Capital stockholders that is caused by an increase in debt.
Asset vs Debt
Equity vs Debt
Encore Capital's liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. Encore Capital's cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps Encore Stock's retail investors understand whether an upcoming fall or rise in the market will negatively affect Encore Capital's stakeholders.
For many companies, including Encore Capital, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for Encore Capital Group, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, Encore Capital's management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
Price Book 1.3451 | Enterprise Value Ebitda 15.18 | Price Sales 0.8611 | Shares Float 21.7 M | Wall Street Target Price 62.6667 |
Encore Capital Group is undervalued with Real Value of 64.34 and Target Price of 62.67. The main objective of Encore Capital stock analysis is to determine its intrinsic value, which is an estimate of what Encore Capital Group is worth, separate from its market price. There are two main types of Encore Capital's stock analysis: fundamental analysis and technical analysis.
The Encore Capital stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and Encore Capital's ongoing operational relationships across important fundamental and technical indicators.
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in Encore Capital 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 employment. Encore Stock Analysis Notes
About 96.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.35. Some equities with similar Price to Book (P/B) outperform the market in the long run. Encore Capital Group has Price/Earnings To Growth (PEG) ratio of 0.17. The entity recorded a loss per share of 1.8. The firm had not issued any dividends in recent years. Encore Capital Group, Inc., a specialty finance company, provides debt recovery solutions and other related services for consumers across financial assets worldwide. The company was incorporated in 1999 and is headquartered in San Diego, California. Encore Capital operates under Mortgage Finance classification in the United States and is traded on NASDAQ Exchange. It employs 6604 people. To learn more about Encore Capital Group call Craig Buick at 877-345-3002 or check out https://www.encorecapital.com.Encore Capital Quarterly Total Revenue |
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Encore Capital Group Investment Alerts
| The company reported the previous year's revenue of 1.32 B. Net Loss for the year was (139.24 M) with profit before overhead, payroll, taxes, and interest of 1.56 B. | |
| Over 96.0% of the company shares are held by institutions such as insurance companies | |
| Latest headline from finance.yahoo.com: PROG Holdings Q4 Earnings Top Estimates |
Encore Largest EPS Surprises
Earnings surprises can significantly impact Encore Capital's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2007-08-08 | 2007-06-30 | -0.01 | -0.04 | -0.03 | 300 | ||
2007-05-08 | 2007-03-31 | 0.21 | 0.24 | 0.03 | 14 | ||
2006-11-02 | 2006-09-30 | 0.25 | 0.22 | -0.03 | 12 |
Encore Capital Environmental, Social, and Governance (ESG) Scores
Encore Capital's ESG score is a quantitative measure that evaluates Encore Capital's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Encore Capital's operations that may have significant financial implications and affect Encore Capital's stock price as well as guide investors towards more socially responsible investments.
Encore Stock Institutional Investors
Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Broad Run Investment Management, Llc | 2025-06-30 | 536.1 K | Charles Schwab Investment Management Inc | 2025-06-30 | 495.1 K | Bloombergsan Investment Partners | 2025-06-30 | 441.1 K | D. E. Shaw & Co Lp | 2025-06-30 | 430.7 K | Marshall Wace Asset Management Ltd | 2025-06-30 | 302.1 K | Barclays Plc | 2025-06-30 | 299.4 K | Heartland Advisors Inc | 2025-06-30 | 298.1 K | Northern Trust Corp | 2025-06-30 | 271.9 K | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 248 K | Blackrock Inc | 2025-06-30 | 4 M | Vanguard Group Inc | 2025-06-30 | 2.5 M |
Encore Market Capitalization
The company currently falls under 'Mid-Cap' category with a current market capitalization of 1.34 B.Encore Profitablity
The company has Profit Margin (PM) of (0.03) %, which may suggest that it does not properly executes on its current pricing strategies or is unable to control all of the operational costs. This is way below average. Similarly, it shows Operating Margin (OM) of 0.38 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.38.| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | (0.04) | (0.04) | |
| Return On Capital Employed | 0.03 | 0.04 | |
| Return On Assets | (0.03) | (0.03) | |
| Return On Equity | (0.21) | (0.20) |
Management Efficiency
Encore Capital Group has return on total asset (ROA) of 0.0534 % which means that it generated a profit of $0.0534 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of (0.0451) %, meaning that it created substantial loss on money invested by shareholders. Encore Capital's management efficiency ratios could be used to measure how well Encore Capital manages its routine affairs as well as how well it operates its assets and liabilities. The Encore Capital's current Return On Capital Employed is estimated to increase to 0.04, while Return On Tangible Assets are forecasted to increase to (0.04). At this time, Encore Capital's Other Assets are most likely to increase significantly in the upcoming years. The Encore Capital's current Net Tangible Assets is estimated to increase to about 432.8 M, while Total Current Assets are projected to decrease to roughly 244.8 M.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 28.93 | 14.70 | |
| Tangible Book Value Per Share | 9.78 | 10.27 | |
| Enterprise Value Over EBITDA | 23.86 | 25.05 | |
| Price Book Value Ratio | 1.71 | 1.69 | |
| Enterprise Value Multiple | 23.86 | 25.05 | |
| Price Fair Value | 1.71 | 1.69 | |
| Enterprise Value | 51.3 M | 47 M |
Effective leadership at Encore Capital drives its competitive edge in the market. Our analysis focuses on how this translates to financial performance and stock value.
Technical Drivers
As of the 20th of February, Encore Capital shows the Semi Deviation of 1.23, mean deviation of 1.18, and Downside Deviation of 1.48. Encore Capital Group technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices. Please confirm Encore Capital Group jensen alpha, and the relationship between the coefficient of variation and potential upside to decide if Encore Capital Group is priced favorably, providing market reflects its regular price of 58.41 per share. Given that Encore Capital has jensen alpha of 0.192, we urge you to verify Encore Capital Group's prevailing market performance to make sure the company can sustain itself at a future point.Encore Capital Group Price Movement Analysis
The output start index for this execution was nine with a total number of output elements of fifty-two. The Simple Moving Average indicator is calculated by adding the closing price of Encore Capital for a given number of time periods and then dividing this total by the number of time periods. It is used to smooth out Encore Capital Group short-term fluctuations and highlight longer-term trends or cycles.
Encore Capital Group Insider Trading Activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Encore Capital insiders, such as employees or executives, is commonly permitted as long as it does not rely on Encore Capital's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Encore Capital insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Encore Capital Outstanding Bonds
Encore Capital issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Encore Capital Group uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Encore bonds can be classified according to their maturity, which is the date when Encore Capital Group has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
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Encore Capital Predictive Daily Indicators
Encore Capital intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Encore Capital stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Encore Capital Corporate Filings
13A | 17th of February 2026 An amended filing to the original Schedule 13G | ViewVerify |
13A | 21st of January 2026 An amended filing to the original Schedule 13G | ViewVerify |
13A | 8th of January 2026 An amended filing to the original Schedule 13G | ViewVerify |
F4 | 11th of December 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
F4 | 4th of December 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
F4 | 2nd of December 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
F4 | 26th of November 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
F4 | 10th of November 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
Encore Capital Forecast Models
Encore Capital's time-series forecasting models are one of many Encore Capital's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Encore Capital's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.Encore Capital Bond Ratings
Encore Capital Group financial ratings play a critical role in determining how much Encore Capital have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for Encore Capital's borrowing costs.| Piotroski F Score | 6 | Healthy | View |
| Beneish M Score | (2.06) | Possible Manipulator | View |
Encore Capital Group Debt to Cash Allocation
Many companies such as Encore Capital, eventually find out that there is only so much market out there to be conquered, and adding the next product or service is only half as profitable per unit as their current endeavors. Eventually, the company will reach a point where cash flows are strong, and extra cash is available but not fully utilized. In this case, the company may start buying back its stock from the public or issue more dividends.
Encore Capital Group currently holds 3.67 B in liabilities with Debt to Equity (D/E) ratio of 2.3, implying the company greatly relies on financing operations through barrowing. Encore Capital Group has a current ratio of 13.09, suggesting that it is liquid enough and is able to pay its financial obligations when due. Note, when we think about Encore Capital's use of debt, we should always consider it together with its cash and equity.Encore Capital Total Assets Over Time
Encore Capital Assets Financed by Debt
The debt-to-assets ratio shows the degree to which Encore Capital uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.Encore Capital Debt Ratio | 49.0 |
Encore Capital Corporate Bonds Issued
Most Encore bonds can be classified according to their maturity, which is the date when Encore Capital Group has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
Encore Short Long Term Debt Total
Short Long Term Debt Total |
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About Encore Stock Analysis
Stock analysis is the technique used by a trader or investor to examine and evaluate how Encore Capital prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Encore shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Encore Capital. By using and applying Encore Stock analysis, traders can create a robust methodology for identifying Encore entry and exit points for their positions.
| Last Reported | Projected for Next Year | ||
| Pretax Profit Margin | (0.07) | (0.06) | |
| Operating Profit Margin | 0.11 | 0.18 | |
| Net Loss | (0.10) | (0.09) | |
| Gross Profit Margin | 0.53 | 0.66 |
Current Encore Analysis - Recommendations
We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Encore analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Encore analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
| Target Price | Consensus | # of Analysts | |
| 62.67 | Strong Buy | 5 | Odds |
Most Encore analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Encore stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Encore Capital Group, talking to its executives and customers, or listening to Encore conference calls.
Encore Stock Analysis Indicators
Encore Capital Group stock analysis indicators help investors evaluate how Encore Capital stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Encore Capital shares will generate the highest return on investment. By understating and applying Encore Capital stock analysis, traders can identify Encore Capital position entry and exit signals to maximize returns.
| Begin Period Cash Flow | 158.4 M | |
| Long Term Debt | 3.7 B | |
| Common Stock Shares Outstanding | 23.9 M | |
| Total Stockholder Equity | 767.3 M | |
| Total Cashflows From Investing Activities | -440.4 M | |
| Tax Provision | 43 M | |
| Quarterly Earnings Growth Y O Y | 1.516 | |
| Property Plant And Equipment Net | 138.7 M | |
| Cash And Short Term Investments | 199.9 M | |
| Cash | 199.9 M | |
| Accounts Payable | 212 M | |
| Net Debt | 3.5 B | |
| 50 Day M A | 55.4294 | |
| Total Current Liabilities | 233.5 M | |
| Other Operating Expenses | 1.2 B | |
| Non Current Assets Total | 4.5 B | |
| Forward Price Earnings | 5.5432 | |
| Non Currrent Assets Other | 112.6 M | |
| Stock Based Compensation | 14 M |
Complementary Tools for Encore Stock analysis
When running Encore Capital's price analysis, check to measure Encore Capital'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 Capital is operating at the current time. Most of Encore Capital's value examination focuses on studying past and present price action to predict the probability of Encore Capital'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 Capital's price. Additionally, you may evaluate how the addition of Encore Capital to your portfolios can decrease your overall portfolio volatility.
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