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ECPG 
Encore Capital Group Inc (ECPG)
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Upturn Advisory Summary
12/09/2025: ECPG (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $60.25
1 Year Target Price $60.25
| 3 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -53.74% | Avg. Invested days 27 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/09/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.24B USD | Price to earnings Ratio - | 1Y Target Price 60.25 |
Price to earnings Ratio - | 1Y Target Price 60.25 | ||
Volume (30-day avg) 5 | Beta 1.48 | 52 Weeks Range 26.45 - 54.47 | Updated Date 12/8/2025 |
52 Weeks Range 26.45 - 54.47 | Updated Date 12/8/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -1.8 |
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 - | When - | Estimate - | Actual - |
Profitability
Profit Margin -2.89% | Operating Margin (TTM) 37.62% |
Management Effectiveness
Return on Assets (TTM) 5.34% | Return on Equity (TTM) -4.51% |
Valuation
Trailing PE - | Forward PE 5.54 | Enterprise Value 4961753842 | Price to Sales(TTM) 0.79 |
Enterprise Value 4961753842 | Price to Sales(TTM) 0.79 | ||
Enterprise Value to Revenue 3.17 | Enterprise Value to EBITDA 14.87 | Shares Outstanding 22303676 | Shares Floating 21659992 |
Shares Outstanding 22303676 | Shares Floating 21659992 | ||
Percent Insiders 3.68 | Percent Institutions 108.02 |
Upturn AI SWOT
Encore Capital Group Inc
Company Overview
History and Background
Encore Capital Group Inc. (NASDAQ: ECPG) was founded in 1997 and has since become a leading global provider of "credit-to-cash" solutions, specializing in the acquisition and servicing of performing and non-performing consumer debt. The company has evolved through strategic acquisitions and organic growth, expanding its operational footprint across North America and internationally. Key milestones include its IPO in 2005 and its expansion into Europe and Latin America.
Core Business Areas
- Consumer Debt Acquisition: Acquisition of portfolios of consumer receivables from banks, credit unions, and other originators. This is their primary business, focusing on purchasing debt at a discount.
- Consumer Debt Servicing: Collection and servicing of acquired debt portfolios. This involves working with consumers to resolve outstanding balances through various payment arrangements and self-pay options.
- Technology and Analytics: Leveraging advanced data analytics, machine learning, and digital communication channels to optimize collection strategies and enhance customer engagement.
Leadership and Structure
Encore Capital Group Inc. is led by a seasoned executive team, including the Chief Executive Officer, Chief Financial Officer, and various divisional heads overseeing operations, strategy, and legal affairs. The company operates through various subsidiaries and has a hierarchical organizational structure.
Top Products and Market Share
Key Offerings
- Performing Loan Servicing: Provides servicing solutions for performing consumer loans, including credit cards, auto loans, and student loans. Market share data for this specific niche is difficult to quantify individually due to the fragmented nature of loan servicing providers. Key competitors include specialized servicing firms and in-house servicing departments of large financial institutions.
- Non-Performing Debt Acquisition and Servicing: The core offering involves purchasing portfolios of non-performing consumer debt and then servicing these accounts to recover value. This segment's market share is determined by the overall size of the distressed debt market. Competitors include other debt buyers like Portfolio Recovery Associates (PRAA) and specialized debt collection agencies.
Market Dynamics
Industry Overview
The industry in which Encore Capital Group Inc. operates, the accounts receivable management (ARM) and debt buying sector, is influenced by economic cycles, consumer credit availability, and regulatory environments. There's a continuous demand for efficient debt resolution solutions, especially during economic downturns. The industry is also seeing increased adoption of technology for customer engagement and data analytics.
Positioning
Encore Capital Group Inc. is a significant player in the debt buying and recovery market, known for its data-driven approach and focus on compliant and consumer-centric collection practices. Its competitive advantages include its scale, sophisticated analytics capabilities, and diversified portfolio of acquired debt.
Total Addressable Market (TAM)
The total addressable market for debt buying and servicing is substantial, encompassing trillions of dollars in consumer debt globally. Encore Capital Group Inc. is strategically positioned to capture a meaningful portion of this market by acquiring diverse debt portfolios and employing efficient servicing technologies.
Upturn SWOT Analysis
Strengths
- Extensive experience and established infrastructure in debt acquisition and servicing.
- Advanced data analytics and technology for optimized recovery rates.
- Diversified portfolio of debt across various asset classes and geographies.
- Strong relationships with financial institutions as debt sellers.
- Focus on compliance and ethical collection practices.
Weaknesses
- Reliance on the acquisition of debt portfolios, which can fluctuate in availability and price.
- Exposure to regulatory changes and potential legal challenges within the ARM industry.
- Brand perception challenges associated with debt collection activities.
- Sensitivity to economic downturns that may impact consumer repayment capacity.
Opportunities
- Expansion into new geographic markets or debt types.
- Leveraging technology to further enhance customer engagement and digital payment options.
- Strategic partnerships and acquisitions to broaden service offerings.
- Growth in segments like performing loan servicing and specialized debt resolution.
- Increased demand for debt resolution services due to economic uncertainties.
Threats
- Increasing regulatory scrutiny and compliance costs (e.g., CFPB regulations).
- Intensifying competition from established players and new entrants.
- Economic recessions leading to higher consumer defaults and lower recovery rates.
- Data security breaches and cyber threats.
- Changes in consumer behavior and payment preferences.
Competitors and Market Share
Key Competitors
- Portfolio Recovery Associates Inc. (PRAA)
- LVNV Funding LLC (a subsidiary of Fidelity National Financial, Inc.)
- TransUnion (though primarily a credit bureau, it has ARM segments)
- Experian (similar to TransUnion, has related services)
Competitive Landscape
Encore Capital Group Inc. competes in a landscape characterized by intense competition, price sensitivity for debt portfolios, and a constant need for operational efficiency. Its advantages lie in its data analytics and sophisticated servicing capabilities. However, competitors like Portfolio Recovery Associates often have similar scale and established market presence. Regulatory compliance is a critical factor for all players, and missteps can lead to significant penalties.
Growth Trajectory and Initiatives
Historical Growth: Encore Capital Group Inc. has demonstrated growth through strategic acquisitions of debt portfolios and expansion into new markets. Its historical growth has been tied to the volume and value of debt purchased and the efficiency of its collection processes. Investments in technology have also played a role in improving operational efficiency and recovery rates.
Future Projections: Future growth projections for Encore Capital Group Inc. are typically based on analyst estimates that consider the outlook for consumer credit, regulatory stability, and the company's ability to execute its acquisition and servicing strategies. Analysts often project revenue growth driven by new portfolio acquisitions and consistent collection performance.
Recent Initiatives: Recent initiatives likely focus on enhancing digital engagement with consumers, expanding into adjacent service areas, and optimizing operational efficiency through further technology integration and data analytics. This could include investments in AI-powered collection tools and improved self-service payment portals.
Summary
Encore Capital Group Inc. is a well-established player in the debt buying and recovery industry, possessing strong analytical capabilities and a significant operational footprint. The company's core strength lies in its ability to acquire and effectively service diverse debt portfolios. However, it faces challenges from intense competition, evolving regulatory landscapes, and economic sensitivities. Continued investment in technology and a focus on compliant, consumer-friendly practices will be crucial for its sustained success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations (SEC Filings - 10-K, 10-Q)
- Financial News Outlets (e.g., Wall Street Journal, Bloomberg)
- Industry Analysis Reports
- Financial Data Providers (e.g., Yahoo Finance, Refinitiv)
Disclaimers:
This JSON output is generated based on publicly available information and AI analysis. It is for informational purposes only and should not be considered financial advice. Market share data is an estimation based on industry analysis and may not reflect exact figures. Past performance is not indicative of future results. Investors should conduct their own due diligence before making any 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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