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Upturn AI SWOT - About
ECPG 
Encore Capital Group Inc (ECPG)
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Upturn Advisory Summary
08/28/2025: 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 -57.38% | Avg. Invested days 25 | 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 960.74M 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 1.59 | 52 Weeks Range 26.45 - 51.77 | Updated Date 08/28/2025 |
52 Weeks Range 26.45 - 51.77 | Updated Date 08/28/2025 | ||
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 2025-08-06 | When - | Estimate 1.39 | Actual 2.49 |
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 4745716637 | Price to Sales(TTM) 0.65 |
Enterprise Value 4745716637 | Price to Sales(TTM) 0.65 | ||
Enterprise Value to Revenue 3.23 | Enterprise Value to EBITDA 17.81 | Shares Outstanding 23011800 | Shares Floating 22362381 |
Shares Outstanding 23011800 | Shares Floating 22362381 | ||
Percent Insiders 3.62 | Percent Institutions 110.84 |
Upturn AI SWOT
Encore Capital Group Inc
Company Overview
History and Background
Encore Capital Group, Inc. was founded in 1953 as Midland Management Corporation. It initially focused on various business services before transitioning to the debt buying and recovery industry in the 1990s. Over the years, it has grown through acquisitions and organic growth, establishing itself as a major player in the debt management sector.
Core Business Areas
- Debt Purchasing and Collection: Encore Capital Group purchases portfolios of defaulted consumer receivables from credit originators, such as banks, credit unions, and retailers. It then uses various strategies, including internal collection efforts and partnering with third-party collection agencies, to recover the debt.
- Debt Management Services: Through its subsidiaries, Encore offers debt management services to consumers, helping them manage and resolve their debt obligations.
Leadership and Structure
Ashish Masih is the Chief Executive Officer. The company has a Board of Directors that oversees the strategic direction and governance of the company. Encore operates with a functional organizational structure, with various departments responsible for different aspects of the business, such as debt purchasing, collections, finance, and compliance.
Top Products and Market Share
Key Offerings
- Purchased Debt Portfolios: Encore purchases portfolios of consumer debt, primarily from credit card issuers, banks, and other financial institutions. Revenue is generated from the collection of these debts. Competitors include PRA Group (PRAA), Portfolio Recovery Associates, and Resurgent Capital Services. Market share information is variable but Encore is a leading player with a significant portion of the defaulted debt purchasing market.
- Debt Recovery Services: The company provides debt recovery services for the portfolios it owns. This involves contacting debtors and negotiating repayment plans.Competitors include PRA Group (PRAA), Portfolio Recovery Associates, and Resurgent Capital Services.
Market Dynamics
Industry Overview
The debt purchasing industry is driven by consumer debt levels, credit availability, and regulatory changes. The industry faces scrutiny regarding collection practices and compliance. Consolidation has occurred over time among larger players.
Positioning
Encore Capital Group is one of the largest debt buyers in the United States, with a significant market share. Its competitive advantages include its scale, sophisticated data analytics capabilities, and strong relationships with debt sellers.
Total Addressable Market (TAM)
The TAM for debt purchasing is dependent on the amount of debt available for purchase. Given consistent consumer borrowing habits, the total addressable market is estimated in the tens of billions annually. Encore is positioned to address a portion of this TAM due to its market leadership and established presence.
Upturn SWOT Analysis
Strengths
- Scale and Market Position
- Sophisticated Data Analytics
- Strong Relationships with Debt Sellers
- Experienced Management Team
Weaknesses
- Regulatory Scrutiny
- Reputational Risks Associated with Debt Collection
- Dependence on Debt Supply
Opportunities
- Acquisitions of Smaller Debt Buyers
- Expansion into New Geographies
- Technological Advancements in Collection Processes
Threats
- Increased Regulatory Oversight
- Economic Downturn Leading to Lower Collection Rates
- Increased Competition
- Changes in consumer credit and spending habits
Competitors and Market Share
Key Competitors
- PRAA
- NFI
Competitive Landscape
Encore competes with other debt buyers, such as PRA Group. Encore's advantages include its scale, data analytics capabilities, and operational efficiencies. Disadvantages include the reputational risks associated with debt collection and dependence on debt supply.
Major Acquisitions
Asset Acceptance Capital Corp
- Year: 2013
- Acquisition Price (USD millions): 211
- Strategic Rationale: Increased scale and access to a larger debt portfolio.
Growth Trajectory and Initiatives
Historical Growth: Encore has grown through acquisitions and organic growth in its core debt purchasing business. The historical growth rate has varied depending on economic conditions and the availability of debt portfolios.
Future Projections: Future growth is projected to be driven by continued acquisitions, operational efficiencies, and expansion into new markets. Analyst estimates vary depending on macroeconomic factors.
Recent Initiatives: Recent initiatives include investing in technology to improve collection efficiency and focusing on compliance to mitigate regulatory risks.
Summary
Encore Capital Group is a major player in the debt purchasing industry, leveraging its scale and data analytics to achieve success. Regulatory scrutiny and reputational risks are ongoing challenges. Future growth depends on acquisitions, operational efficiencies, and successful navigation of the regulatory landscape. The company must manage these risks to maintain its market position and grow.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Reports
- Market Research Reports
- Analyst Estimates
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions and company performance are subject to change.
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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