Encore Capital Group Stock Today

ECPG Stock  USD 49.36  0.77  1.54%   

Performance

8 of 100

 
Weak
 
Strong
OK

Odds Of Distress

Less than 48

 
High
 
Low
About Average
Encore Capital is trading at 49.36 as of the 30th of January 2025. This is a 1.54 percent decrease since the beginning of the trading day. The stock's lowest day price was 48.84. Encore Capital has 48 percent odds of going through some form of financial distress in the next two years and did not have a very good performance for investor during the last 90 trading days. Note, on July 10, 2018, Representative Lamar Smith of US Congress acquired under $15k worth of Encore Capital Group's common stock.
Business Domain
Financial Services
IPO Date
30th of June 1999
Classification
Financials
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. The company has 23.69 M outstanding shares of which 1.5 M shares are currently shorted by private and institutional investors with about 10.96 trading days to cover. More on Encore Capital Group

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Follow Valuation Options Odds of Bankruptcy
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Encore Stock Highlights

ESG Sustainability
Environmental
Governance
Social
PresidentRyan Bell
Thematic IdeaBanks (View all Themes)
Business ConcentrationConsumer Finance, Financial Services, SP Small-Cap 600, NASDAQ Composite, NASDAQ Composite Total, Banks, Financials, Consumer Finance, Mortgage Finance, Financial Services (View all Sectors)
Average Analyst Recommendation
Financial Strength
Current ValueLast YearChange From Last Year 10 Year Trend
Asset Turnover0.530.3
Way Up
Slightly volatile
Gross Profit Margin0.70.54
Significantly Up
Slightly volatile
Net Debt3.8 B3.6 B
Sufficiently Up
Slightly volatile
Total Current Liabilities146.6 M252.1 M
Way Down
Pretty Stable
Non Current Liabilities Total4.2 BB
Sufficiently Up
Slightly volatile
Total Assets5.6 B5.3 B
Sufficiently Up
Slightly volatile
Total Current Assets234.4 M240.5 M
Fairly Down
Pretty Stable
Total Cash From Operating Activities107.4 M175.9 M
Way Down
Slightly volatile
Debt Levels
Encore Capital can leverage the use of borrowed funds to amplify returns from an investment. In general, analyzing the relationship between debt to total assets helps investors to understand Encore Capital's financial leverage. It provides some insight into what part of Encore Capital's total assets is financed by creditors.
Liquidity
Encore Capital Group currently holds 3.32 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.

Change In Working Capital

5.15 Million
Encore Capital Group (ECPG) is traded on NASDAQ Exchange in USA. It is located in 350 Camino De La Reina, San Diego, CA, United States, 92108 and employs 7,400 people. Encore Capital is listed under Consumer Finance category by Fama And French industry classification. The company currently falls under 'Mid-Cap' category with a current market capitalization of 1.17 B. Encore Capital Group conducts business under Consumer Finance sector and is part of Financials industry. The entity has 23.69 M outstanding shares of which 1.5 M shares are currently shorted by private and institutional investors with about 10.96 trading days to cover. Encore Capital Group currently holds about 172.95 M in cash with 152.99 M of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 7.24.
Check Encore Capital Probability Of Bankruptcy
Ownership Allocation
The majority of Encore Capital Group outstanding shares are owned by other corporate entities. These outside corporations are usually referred to as non-private investors looking to obtain positions in Encore Capital Group to benefit from reduced commissions. Consequently, institutional investors are subject to a different set of regulations than regular investors in Encore Capital. Please pay attention to any change in the institutional holdings of Encore Capital Group as this could imply that something significant has changed or is about to change at the company. On July 10, 2018, Representative Lamar Smith of US Congress acquired under $15k worth of Encore Capital Group's common stock.
Check Encore Ownership Details

Encore Stock Institutional Holders

InstituionRecorded OnShares
Fmr Inc2024-09-30
693.2 K
Geode Capital Management, Llc2024-09-30
570 K
No Street Gp Lp2024-09-30
500 K
Charles Schwab Investment Management Inc2024-09-30
481.5 K
Clearbridge Advisors, Llc2024-09-30
385.6 K
Ubs Group Ag2024-09-30
369.3 K
Northern Trust Corp2024-09-30
369.1 K
D. E. Shaw & Co Lp2024-09-30
303 K
Morgan Stanley - Brokerage Accounts2024-09-30
285.2 K
Blackrock Inc2024-09-30
3.8 M
Vanguard Group Inc2024-09-30
2.6 M
View Encore Capital Diagnostics

Encore Capital Historical Income Statement

At this time, Encore Capital's Cost Of Revenue is most likely to increase significantly in the upcoming years. The Encore Capital's current Total Operating Expenses is estimated to increase to about 669.8 M, while Total Revenue is projected to decrease to roughly 717.3 M. View More Fundamentals

Encore Stock Against Markets

Encore Capital Corporate Management

Craig BuickCEO GroupProfile
Faryar BorhaniSenior CommunicationsProfile
Andrew AschSr CounselProfile
Tracy TingSenior OfficerProfile
Peter ReckPrincipal OfficerProfile
Steve CarmichaelSenior OfficerProfile
When determining whether Encore Capital Group is a strong investment it is important to analyze Encore Capital's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Encore Capital's future performance. For an informed investment choice regarding Encore Stock, refer to the following important reports:
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 american community survey.
You can also try the Alpha Finder module to use alpha and beta coefficients to find investment opportunities after accounting for the risk.
Is Consumer Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Encore Capital. If investors know Encore will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Encore Capital listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.595
Earnings Share
(7.83)
Revenue Per Share
55.731
Quarterly Revenue Growth
0.186
Return On Assets
0.0425
The market value of Encore Capital Group is measured differently than its book value, which is the value of Encore that is recorded on the company's balance sheet. Investors also form their own opinion of Encore Capital's value that differs from its market value or its book value, called intrinsic value, which is Encore Capital's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Encore Capital's market value can be influenced by many factors that don't directly affect Encore Capital's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Encore Capital's value and its price as these two are different measures arrived at by different means. Investors typically determine if Encore Capital is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Encore Capital's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.