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Upturn AI SWOT - About
ECPG 
Encore Capital Group Inc (ECPG)
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Upturn Advisory Summary
09/17/2025: 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 -54.06% | 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 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.03B 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 1.53 | 52 Weeks Range 26.45 - 51.77 | Updated Date 09/16/2025 |
52 Weeks Range 26.45 - 51.77 | Updated Date 09/16/2025 | ||
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 - | When - | Estimate - | 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 4817973604 | Price to Sales(TTM) 0.7 |
Enterprise Value 4817973604 | Price to Sales(TTM) 0.7 | ||
Enterprise Value to Revenue 3.28 | Enterprise Value to EBITDA 18.08 | Shares Outstanding 23011800 | Shares Floating 22362381 |
Shares Outstanding 23011800 | Shares Floating 22362381 | ||
Percent Insiders 3.62 | Percent Institutions 111.02 |
Upturn AI SWOT
Encore Capital Group Inc
Company Overview
History and Background
Encore Capital Group, Inc. was founded in 1953 as a collection agency. It has since evolved into a leading specialty finance company focused on debt recovery and consumer financial services. They primarily purchase portfolios of defaulted consumer receivables.
Core Business Areas
- Debt Purchasing and Collection: Encore's primary business involves purchasing portfolios of defaulted consumer receivables (credit cards, personal loans, etc.) at a discount and then attempting to recover payments from consumers.
- Consumer Lending: While debt purchasing is their core operation, they also participate in some consumer lending activities (especially in international markets) through their subsidiaries.
Leadership and Structure
Ashish Masih is the current President and CEO. The company operates with a typical corporate structure, including a Board of Directors and various executive leadership positions overseeing finance, operations, and legal functions.
Top Products and Market Share
Key Offerings
- Debt Portfolio Purchasing: Encore purchases portfolios of defaulted debt across various asset classes, including credit cards, personal loans, and telecommunications accounts. Market share data is difficult to pinpoint exactly, but Encore is one of the largest players in this fragmented market. Competitors include PRA Group (PRAA), Portfolio Recovery Associates, and Resurgent Capital Services.
Market Dynamics
Industry Overview
The debt buying industry is driven by the availability of defaulted consumer debt, which is influenced by macroeconomic conditions, consumer spending habits, and lending practices. The industry is also subject to significant regulatory scrutiny.
Positioning
Encore is positioned as a major player in the US and international debt buying markets. Its competitive advantages include its scale, sophisticated analytics for debt valuation and collection, and established relationships with debt sellers.
Total Addressable Market (TAM)
The TAM for debt purchasing is estimated to be in the tens of billions of dollars annually, depending on economic cycles and the amount of debt being charged off. Encore is well-positioned to capture a significant portion of this TAM, with estimated receivables of around 25 Billion.
Upturn SWOT Analysis
Strengths
- Scale and experience in debt purchasing
- Sophisticated analytics for debt valuation and collection
- Diversified portfolio of debt
- Strong relationships with debt sellers
- Global reach
Weaknesses
- Reputational risk associated with debt collection practices
- Exposure to regulatory changes
- Dependence on the availability of defaulted debt
- Potential for negative publicity
Opportunities
- Expansion into new geographic markets
- Acquisition of smaller debt buyers
- Development of new debt collection technologies
- Increased demand for debt purchasing due to economic downturns
- Strategic partnerships to boost revenue
Threats
- Increased regulatory scrutiny
- Economic downturns leading to lower debt recovery rates
- Competition from other debt buyers
- Changes in consumer behavior
- Higher interest rates
Competitors and Market Share
Key Competitors
- PRAA
- OCFS
Competitive Landscape
Encore benefits from its scale and analytics, but faces intense competition and regulatory pressures. Smaller competitors may focus on niche markets or specific types of debt.
Major Acquisitions
AGI Holdco S.A.R.L.
- Year: 2017
- Acquisition Price (USD millions): 270
- Strategic Rationale: Expanded Encore's European operations and diversified its debt purchasing portfolio.
Growth Trajectory and Initiatives
Historical Growth: Encore's historical growth has been driven by acquisitions and organic growth in its debt purchasing business. Growth rates have varied depending on market conditions.
Future Projections: Future projections are best derived from analyst reports and company guidance. These are dynamically updating financial data and unavailable at this time
Recent Initiatives: Recent initiatives may include strategic acquisitions, investments in technology, and expansion into new markets. Refer to recent press releases and investor presentations for details.
Summary
Encore Capital Group is a major player in the debt purchasing market, leveraging its size and analytical capabilities. Regulatory scrutiny and economic cycles present ongoing challenges. The lack of dividends might deter some investors, but potential growth in expanding markets is a key opportunity. Future success depends on effective risk management and compliance.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports (where available)
- Industry Publications
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market conditions and company performance can change rapidly.
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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