Encore Capital Financials
| ECPG Stock | USD 34.79 0.28 0.81% |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Debt Equity Ratio | 5.03 | 4.7864 |
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| Operating Income | 195.9 M | 157.3 M |
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| Current Ratio | 1.0 | 1.0528 |
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Investors should never underestimate Encore Capital's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Encore Capital's cash flow, debt, and profitability to make informed and accurate decisions about investing in Encore Capital Group.
Net Income |
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Encore | Select Account or Indicator |
Understanding current and past Encore Capital Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Encore Capital's financial statements are interrelated, with each one affecting the others. For example, an increase in Encore Capital's assets may result in an increase in income on the income statement.
Encore Capital Group Earnings Geography
Encore Capital Stock Summary
Encore Capital competes with Guild Holdings, Mr Cooper, CNFinance Holdings, Security National, and PennyMac Finl. 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.Specialization | Financial Services, Financial Services |
| Instrument | USA Stock View All |
| Exchange | NASDAQ Exchange |
| ISIN | US2925541029 |
| CUSIP | 292554102 55269B105 |
| Location | California; U.S.A |
| Business Address | 350 Camino De |
| Sector | Consumer Finance |
| Industry | Financials |
| Benchmark | Dow Jones Industrial |
| Website | www.encorecapital.com |
| Phone | (858) 309 1679 |
| Currency | USD - US Dollar |
Encore Capital Key Financial Ratios
| Return On Equity | -0.16 | ||||
| Profit Margin | (0.11) % | ||||
| Operating Margin | (0.06) % | ||||
| Price To Sales | 0.63 X | ||||
| Revenue | 1.32 B |
Encore Capital Key Balance Sheet Accounts
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
| Total Assets | 4.9B | 4.6B | 4.5B | 4.6B | 4.8B | 5.0B | |
| Other Current Liab | (191.9M) | 34.5M | (1.1B) | 16M | 233.5M | 245.2M | |
| Net Debt | 3.1B | 2.8B | 3.8B | 3.2B | 3.5B | 3.6B | |
| Retained Earnings | 1.1B | 1.2B | 1.3B | 1.0B | 909.9M | 955.4M | |
| Accounts Payable | 192.7M | 195.1M | 180.4M | 173.9M | 200.0M | 114.8M | |
| Cash | 189.2M | 189.6M | 143.9M | 158.4M | 199.9M | 209.9M | |
| Net Receivables | 38.8M | 22.6M | 16.1M | 9.1M | 10.4M | 9.9M | |
| Total Liab | 3.6B | 3.4B | 3.3B | 3.7B | 4.0B | 4.2B | |
| Total Current Assets | 189.2M | 189.6M | 143.9M | 209.1M | 245.9M | 235.8M | |
| Other Current Assets | 62.6M | 46.3M | 48.6M | 41.6M | 46.0M | 48.3M | |
| Other Liab | 44.5M | 146.9M | 195.9M | 111.2M | 127.9M | 134.2M | |
| Other Assets | 349.2M | 335.3M | 341.1M | 3.7B | 4.0B | 4.2B | |
| Long Term Debt | 2.3B | 2.1B | 1.8B | 2.8B | 3.7B | 3.9B | |
| Short Term Debt | 215.2M | 880.1M | 1.1B | 29.3M | 33.7M | 32.0M | |
| Good Will | 907.0M | 897.8M | 821.2M | 606.5M | 507.8M | 533.3M | |
| Intangible Assets | 45.0M | 36.3M | 22.1M | 48K | 55.2K | 52.4K | |
| Inventory | 42.2M | (3.5M) | (64.7M) | (17.3M) | (15.6M) | (14.8M) | |
| Net Tangible Assets | 138.0M | 310.6M | 287.5M | 358.4M | 412.2M | 432.8M |
Encore Capital Key Income Statement Accounts
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
| Interest Expense | 209.4M | 169.6M | 153.3M | 201.9M | 252.5M | 265.2M | |
| Total Revenue | 1.5B | 1.6B | 1.4B | 1.2B | 1.3B | 744.4M | |
| Gross Profit | 834.4M | 928.0M | 769.7M | 571.2M | 893.5M | 938.1M | |
| Operating Income | 533.6M | 633.3M | 462.2M | 16.5M | 157.3M | 195.9M | |
| Ebit | (385.0M) | (297.9M) | (424.2M) | 21.6M | 156.3M | 88.1M | |
| Ebitda | 579.3M | 683.4M | 510.7M | 63.4M | 188.8M | 219.7M | |
| Cost Of Revenue | 667.0M | 686.5M | 628.6M | 651.4M | 422.9M | 321.5M | |
| Income Before Tax | 282.9M | 436.5M | 311.0M | (180.3M) | (96.2M) | (91.4M) | |
| Net Income | 211.8M | 350.8M | 194.6M | (206.5M) | (139.2M) | (132.3M) | |
| Income Tax Expense | 70.4M | 85.3M | 116.4M | 26.2M | 43.0M | 34.4M | |
| Non Recurring | 213.4M | 239.1M | 254.3M | 217.9M | 250.6M | 231.8M | |
| Tax Provision | 70.4M | 85.3M | 116.4M | 26.2M | 43.0M | 59.2M | |
| Net Interest Income | (209.4M) | (169.6M) | (153.3M) | (201.9M) | (252.5M) | (265.2M) |
Encore Capital Key Cash Accounts
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
| Change In Cash | (3.2M) | 461K | (45.7M) | 14.5M | 41.5M | 43.6M | |
| Free Cash Flow | 278.3M | 269.7M | 173.5M | 101.3M | 127.2M | 91.1M | |
| Depreciation | 42.8M | 50.1M | 50.5M | 41.7M | 32.4M | 20.4M | |
| Other Non Cash Items | 83.8M | (154.9M) | (58.5M) | 354.4M | 243.1M | 255.2M | |
| Capital Expenditures | 34.6M | 33.4M | 37.2M | 51.7M | 29.0M | 18.7M | |
| Net Income | 212.5M | 351.2M | 194.6M | (206.5M) | (139.2M) | (132.3M) | |
| End Period Cash Flow | 189.2M | 189.6M | 143.9M | 158.4M | 199.9M | 209.9M | |
| Investments | 93.1M | 362.3M | (81.4M) | (360.3M) | (440.4M) | (418.4M) | |
| Net Borrowings | 23.2M | (362.4M) | (252.9M) | 1.9M | 1.7M | 1.6M | |
| Change To Netincome | 53.9M | 119.5M | 97.9M | 96.5M | 111.0M | 116.5M |
Encore Financial Ratios Relationships
Comparative valuation techniques use various fundamental indicators to help in determining Encore Capital's current stock value. Our valuation model uses many indicators to compare Encore Capital value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Encore Capital competition to find correlations between indicators driving Encore Capital's intrinsic value. More Info.Encore Capital Group is rated below average in return on equity category among its peers. It is one of the top stocks in return on asset category among its peers . At this time, Encore Capital's Return On Equity is most likely to slightly decrease in the upcoming years. Comparative valuation analysis is a catch-all technique that is used if you cannot value Encore Capital by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.Encore Capital Group Systematic Risk
Encore Capital's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Encore Capital volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty-four with a total number of output elements of thirty-seven. The Beta measures systematic risk based on how returns on Encore Capital Group correlated with the market. If Beta is less than 0 Encore Capital generally moves in the opposite direction as compared to the market. If Encore Capital Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Encore Capital Group is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Encore Capital is generally in the same direction as the market. If Beta > 1 Encore Capital moves generally in the same direction as, but more than the movement of the benchmark.
Encore Capital Thematic Clasifications
Encore Capital Group is part of Banks investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. All money banks and credit services. Large and small money and credit banks and credit services
This theme covers All money banks and credit services. Large and small money and credit banks and credit services. Get More Thematic Ideas
| Banks | View |
Today, most investors in Encore Capital Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Encore Capital's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Encore Capital growth as a starting point in their analysis.
Price Earnings To Growth Ratio |
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Encore Capital March 23, 2025 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of Encore Capital help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Encore Capital Group. We use our internally-developed statistical techniques to arrive at the intrinsic value of Encore Capital 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 Capital's daily price indicators and compare them against related drivers.
| Information Ratio | (0.12) | |||
| Maximum Drawdown | 25.24 | |||
| Value At Risk | (3.16) | |||
| Potential Upside | 2.78 |
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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