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ECPG 
Encore Capital Group Inc (ECPG)
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Upturn Advisory Summary
11/04/2025: ECPG (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $58
1 Year Target Price $58
| 3 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -57.47% | Avg. Invested days 27 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/04/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 995.26M USD | Price to earnings Ratio - | 1Y Target Price 58 |
Price to earnings Ratio - | 1Y Target Price 58 | ||
Volume (30-day avg) 5 | Beta 1.48 | 52 Weeks Range 26.45 - 51.77 | Updated Date 11/3/2025 |
52 Weeks Range 26.45 - 51.77 | Updated Date 11/3/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -3.71 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-11-05 | When - | Estimate 1.84 | Actual - |
Profitability
Profit Margin -6.07% | Operating Margin (TTM) 34.09% |
Management Effectiveness
Return on Assets (TTM) 4.64% | Return on Equity (TTM) -9.46% |
Valuation
Trailing PE - | Forward PE 5.54 | Enterprise Value 4743875695 | Price to Sales(TTM) 0.68 |
Enterprise Value 4743875695 | Price to Sales(TTM) 0.68 | ||
Enterprise Value to Revenue 3.23 | Enterprise Value to EBITDA 17.8 | Shares Outstanding 23011773 | Shares Floating 22362381 |
Shares Outstanding 23011773 | Shares Floating 22362381 | ||
Percent Insiders 3.62 | Percent Institutions 109.5 |
Upturn AI SWOT
Encore Capital Group Inc
Company Overview
History and Background
Encore Capital Group, Inc. was founded in 1953. It has grown to become a leading provider of debt management and recovery solutions, focusing on consumer debt portfolios.
Core Business Areas
- Debt Purchasing and Collection: Acquires portfolios of defaulted consumer receivables at deep discounts and manages their collection.
- Forward Flow Agreements: Enters into agreements to purchase debt from originators on a recurring basis.
- Servicing: Provides debt servicing and collection solutions to other companies.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure includes various departments focused on debt purchasing, collection, finance, and operations. The board of directors provides oversight and strategic guidance.
Top Products and Market Share
Key Offerings
- Unsecured Consumer Debt Purchasing: Acquires defaulted credit card debt, personal loans, and other unsecured consumer debt. Market share information is not publicly and readily available, competition includes PRA Group (PRAA), Portfolio Recovery Associates, and others. Encore Capital is a major player with focus in North America and Europe.
- Debt Collection Services: Provides debt collection services on behalf of debt owners. Market share information is not publicly available, similar competitors as above.
Market Dynamics
Industry Overview
The debt buying and collection industry is influenced by economic conditions, consumer borrowing habits, and regulatory changes. Increased consumer debt levels typically lead to more debt available for purchase.
Positioning
Encore Capital Group is a major player in the debt buying and collection industry with a global presence. Its competitive advantages include its scale, experience, and proprietary collection strategies.
Total Addressable Market (TAM)
The TAM is influenced by the overall consumer debt outstanding. Estimates vary, but it is a multi-billion dollar market. Encore Capital is well-positioned to capture a portion of this market through debt purchasing and servicing.
Upturn SWOT Analysis
Strengths
- Scale and experience in debt purchasing
- Proprietary collection strategies
- Strong financial performance
- Global presence
Weaknesses
- Regulatory scrutiny
- Reputational risk associated with debt collection practices
- Dependence on economic conditions
- High capital requirements
Opportunities
- Expansion into new geographic markets
- Increased demand for debt purchasing due to economic downturns
- Technological advancements in collection methods
- Strategic acquisitions
Threats
- Increased regulatory restrictions
- Competition from other debt buyers
- Changes in consumer behavior
- Economic recession leading to lower collections
Competitors and Market Share
Key Competitors
- PRAA
- Portfolio Recovery Associates (private)
- Radius Global Solutions (private)
Competitive Landscape
Encore Capital Group competes with other debt buyers and collection agencies. Its advantages include its size, experience, and proprietary technology. Its disadvantages include regulatory scrutiny and reputational risk.
Major Acquisitions
Asset Acceptance Capital Corp.
- Year: 2013
- Acquisition Price (USD millions): 820
- Strategic Rationale: Expanded Encore's portfolio and increased its scale in the debt purchasing market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth depends on factors such as acquisitions and growth in debt buying and collection. Actual numerical data is unavailable without live financials.
Future Projections: Future growth depends on analyst estimates which needs current financial data.
Recent Initiatives: Recent strategic initiatives would involve acquisitions, technology upgrades or expansions into new markets, which need to be referenced with recent releases by the company.
Summary
Encore Capital Group is a leading player in the debt purchasing industry, benefiting from its scale and experience. Regulatory scrutiny and economic conditions pose ongoing risks. Opportunities exist to expand into new markets and leverage technological advancements. The company's financial performance and shareholder returns are tied to its ability to manage its debt portfolio and navigate the evolving regulatory landscape.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings, industry reports, analyst estimates
Disclaimers:
This analysis is based on available information and is subject to change. Market share estimates are approximate. Consult with a financial advisor before making investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Encore Capital Group Inc
Exchange NASDAQ | Headquaters San Diego, CA, United States | ||
IPO Launch date 1999-06-30 | President, CEO & Director Mr. Ashish Masih | ||
Sector Financial Services | Industry Credit Services | Full time employees 7350 | Website https://www.encorecapital.com |
Full time employees 7350 | Website https://www.encorecapital.com | ||
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 early stage collection, business process outsourcing, and contingent collection services. In addition, the company engages in debt servicing and other portfolio management services to credit originator for non-performing loans. Further, it offers credit management services. Encore Capital Group, Inc. was incorporated in 1999 and is headquartered in San Diego, California.
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