Encore Capital Group Inc
Research Encore Capital Group Inc (ECPG) on Bullrun: valuation model: 13.2% undervalued, market cap USD 2.17B, P/E 7.7. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerECPG
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryCredit Services
- CurrencyUSD
- Valuation signal13.2% undervalued
- Market capUSD 2.17B
- P/E7.7
- Financial periodQ2 2026
- RevenueUSD 491.87M
- Net incomeUSD 64.00M
- Free cash flow-USD 37.77M
- Gross margin54.8%
Valuation Snapshot
Bullrun's latest valuation model marks Encore Capital Group Inc as 13.2% undervalued; latest market cap is USD 2.17B; P/E is 7.7.
Peer valuation comparison
Latest P/E is 7.75x versus a Financial Services sector median of 13.84x (44.0% below).
Latest P/E is 7.75x versus a United States median of 24.87x (68.8% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 88.39M | USD 257.00M | USD 126.93M | 1092.7% | 10.91 | USD 156.78M | USD 4.00B | USD 976.75M |
| FY2024 | USD 84.78M | -USD 139.00M | USD 127.16M | 711.9% | -5.83 | USD 199.87M | USD 3.67B | USD 767.33M |
| FY2023 | USD 83.14M | -USD 206.00M | USD 128.18M | n/a | -8.72 | USD 158.36M | USD 3.32B | USD 936.54M |
| FY2022 | USD 94.92M | USD 195.00M | USD 173.46M | n/a | 7.46 | USD 143.91M | USD 2.69B | USD 1.18B |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 2.17B | 7.7 | n/a | n/a |
| 2025 | 2025-12-31 | USD 1.18B | 5.0 | n/a | n/a |
| 2024 | 2024-12-31 | USD 1.13B | n/a | n/a | n/a |
| 2023 | 2023-12-29 | USD 1.19B | n/a | n/a | n/a |
| 2022 | 2022-12-30 | USD 1.12B | 3.9 | n/a | n/a |
| 2021 | 2021-12-31 | USD 1.52B | 5.5 | n/a | n/a |
About Encore Capital Group Inc
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.
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Frequently asked questions
Is Encore Capital Group Inc overvalued or undervalued?
Bullrun's valuation model currently marks Encore Capital Group Inc as 13.2% undervalued.
What is Encore Capital Group Inc's market cap?
Encore Capital Group Inc's market capitalization is USD 2.17B.
What is Encore Capital Group Inc's P/E ratio?
Encore Capital Group Inc's price-to-earnings (P/E) ratio is 7.7.
What does Encore Capital Group Inc do?
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 debt servicing, such as early stage collection, business process outsourcing, and contingent collection services.