What sector does Encore Capital Group, Inc. belong to?

Encore Capital Group, Inc. operates in the Financials sector, specifically the Consumer Finance industry, and is listed on the US markets.

What is the current share price of ECPG?

As of the latest available quote, ECPG traded at $98.56. This price is delayed and cached for about 15 minutes.

What is the P/E ratio of ECPG?

Encore Capital Group, Inc. has a price-to-earnings (P/E) ratio of about 7.49. The P/E ratio compares the share price to earnings per share and is most useful when compared with sector peers and the company's own history.

What is the market capitalisation of ECPG?

The market capitalisation of Encore Capital Group, Inc. is approximately $2.32B.

Is Encore Capital Group, Inc. profitable?

For its latest reported financial year, Encore Capital Group, Inc. recorded a net profit margin of about 290.58%.

Does ECPG pay a dividend?

Encore Capital Group, Inc. does not currently show a dividend yield in our data.

What is the return on equity (ROE) of ECPG?

Encore Capital Group, Inc. has a return on equity (ROE) of about 25.99%. ROE measures how much profit a company generates relative to shareholders' equity.

What is the 52-week high and low of ECPG?

Over the past 52 weeks, ECPG has traded between a low of $39.95 and a high of $104.98.

Encore Capital Group, Inc.

ECPG US Financials Consumer Finance

S&P 600

$98.56

+0.63%

Delayed · cached 15 min

Fair value analysis

ECPG

Encore Capital Group, Inc.

$98.56

Close used for this calculation

$152.68Fair value

Financial DNA Score

Profitability · Returns · Balance Sheet · Efficiency · Growth

81/100

Profitability21/25

Returns25/25

Balance Sheet17/25

Efficiency18/25

Growth14/25

Exceptional

Quality radar

Consensus fair value

$152.68

Below FV

▲ +54.9% against the close used

Model range $103.24 – $452.83

The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear$103.24Fair value$152.68Bull$452.83

FairClose

52-week traded range

52W low $40.5352W high $103.74

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading below the consensus fair value

Encore Capital Group, Inc. closed at $98.56, 35.4% below the consensus fair value of $152.68 drawn from 8 valuation models.

Financial DNA score 81/100 — Exceptional. P/E of 9.0x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation

$107.02

+8.6%

Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10

g=9%, r=10%, tg=3%, n=10yr

Graham Number

$103.24

+4.7%

√(22.5 × EPS × BVPS)

EPS=10.91, BVPS=43.42

P/E Fair Value

$218.20

+121.4%

EPS × 20x (sector P/E)

EPS=10.91, Sector P/E=20x

Peter Lynch (PEG)

$136.70

+38.7%

EPS × Growth% (PEG = 1 is fair)

EPS=10.91, g=12.5%

EV/EBITDA

$452.83

+359.4%

(EBITDA × 16.3x − Net Debt) ÷ Shares

EBITDA=655.41M

Book Value (P/B)

$216.98

+120.2%

BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]

BVPS=43.42, ROE=26%, g=6%, r=10%

Reverse DCF

$98.56

+0.0%

Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV

Implied: -3.7% | Historical: 12.5%

Margin of Safety

$107.12

+8.7%

Avg(DCF, Graham, P/E) × 75% (25% safety buffer)

Avg fair value=142.82, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Fair value analysis

Consensus fair value

Price target range & 52-week position

Valuation summary

All valuation models

Equity Timer