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Upturn AI SWOT - About
ECPG 
Encore Capital Group Inc (ECPG)
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Upturn Advisory Summary
07/10/2025: 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 $57.25
1 Year Target Price $57.25
| 3 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -52.91% | Avg. Invested days 26 | 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 07/10/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 957.32M USD | Price to earnings Ratio - | 1Y Target Price 57.25 |
Price to earnings Ratio - | 1Y Target Price 57.25 | ||
Volume (30-day avg) 5 | Beta 1.61 | 52 Weeks Range 26.45 - 51.77 | Updated Date 07/9/2025 |
52 Weeks Range 26.45 - 51.77 | Updated Date 07/9/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -4.9 |
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 -8.38% | Operating Margin (TTM) 32.93% |
Management Effectiveness
Return on Assets (TTM) 4.17% | Return on Equity (TTM) -13.05% |
Valuation
Trailing PE - | Forward PE 5.54 | Enterprise Value 4560898200 | Price to Sales(TTM) 0.69 |
Enterprise Value 4560898200 | Price to Sales(TTM) 0.69 | ||
Enterprise Value to Revenue 3.3 | Enterprise Value to EBITDA 20.9 | Shares Outstanding 23349200 | Shares Floating 22712701 |
Shares Outstanding 23349200 | Shares Floating 22712701 | ||
Percent Insiders 3.56 | Percent Institutions 111.96 |
Upturn AI SWOT
Encore Capital Group Inc
Company Overview
History and Background
Encore Capital Group, Inc. (ECPG) was founded in 1953 as Midland Management Corporation. It later became Encore Capital Group, focusing on debt management and recovery services. It has evolved through strategic acquisitions and internal growth to become a major player in the debt purchasing and recovery industry.
Core Business Areas
- Debt Purchasing and Collection: Encore acquires portfolios of defaulted consumer receivables, primarily from credit card companies, banks, and other financial institutions. They then attempt to recover on these debts through various collection strategies.
- Servicing: Encore provides servicing solutions to help consumers manage their debt obligations.
- International: Operates internationally with debt purchases in Australia, Canada, and other countries.
Leadership and Structure
Ashish Masih is the President and Chief Executive Officer. The company has a board of directors and operates through various departments responsible for debt purchasing, collections, finance, and legal matters.
Top Products and Market Share
Key Offerings
- Debt Portfolio Acquisition: Encore purchases defaulted debt portfolios at a discount and then attempts to collect on the debt. Market share is dependent on the size of portfolios purchased and collections achieved. Competitors include PRA Group (PRAA), Portfolio Recovery Associates, and others. Revenue directly tied to debt collected; not readily available as a separate product line.
- Collection Services: Encore provides collection services on the portfolios it owns, utilizing a variety of collection methods. Market share information specific to this service is not readily available; intertwined with its debt purchasing business. Competitors include various collection agencies and debt buyers. Revenue is directly tied to debt collected; not readily available as a separate product line.
Market Dynamics
Industry Overview
The debt purchasing industry is influenced by economic conditions, consumer credit trends, and regulatory environments. The market experiences cyclical ups and downs depending on consumer debt defaults.
Positioning
Encore is positioned as one of the largest debt buyers globally, with a focus on compliance and ethical collection practices. Its competitive advantage lies in its scale, data analytics capabilities, and experience in the industry.
Total Addressable Market (TAM)
The TAM is significant, estimated to be in the tens of billions of dollars annually in the U.S. and globally. Encore is positioned to capture a share through debt purchases and collection effectiveness.
Upturn SWOT Analysis
Strengths
- Scale and experience in debt purchasing
- Data analytics and collection expertise
- Strong financial resources
- Global operations
Weaknesses
- Reputational risk associated with debt collection practices
- Sensitivity to regulatory changes
- Dependence on economic conditions and consumer credit trends
- Fluctuations in debt purchasing prices
Opportunities
- Expansion into new geographic markets
- Increased focus on compliance and ethical collection practices
- Technological advancements in collection methods
- Potential for partnerships with financial institutions
Threats
- Increased regulatory scrutiny
- Economic downturns leading to lower consumer repayment rates
- Competition from other debt buyers
- Negative publicity and legal challenges related to collection practices
Competitors and Market Share
Key Competitors
- PRAA
- LVNV
- CACH
Competitive Landscape
Encore has a competitive advantage due to its size and experience. PRAA also possesses significant resources in the debt purchasing arena. Competitive pressure is driven by the cost of debt portfolios and collection effectiveness.
Major Acquisitions
MCM
- Year: 2013
- Acquisition Price (USD millions): 920
- Strategic Rationale: Expanded European presence and diversified debt purchasing operations.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by debt purchasing activity and collection performance. Growth rates have varied depending on market conditions and the company's strategic initiatives.
Future Projections: Future projections depend on analyst estimates, which are subject to change. Factors influencing growth include debt purchasing volumes, collection rates, and economic conditions.
Recent Initiatives: Recent initiatives may include investments in technology, expansion into new markets, and efforts to enhance compliance and collection practices.
Summary
Encore Capital Group is a major player in the debt purchasing and collection industry, leveraging its scale and data analytics capabilities. Regulatory scrutiny and economic cycles pose challenges, but opportunities exist through strategic initiatives. While they do not issue dividends at this time, the company's financials are fair and they should look to take advantage of favorable market conditions and opportunities to expand into new markets.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, Market research reports, Industry publications.
Disclaimers:
Data is based on available information and may be subject to change. Market share data is estimated. Financial data requires current source access.
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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