Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
ECPG
Strong BuyFull HouseFLAGEncore Capital Group, Inc. · Financial Services · United States · $2.1B · Avg Vol: $36M/d
Encore Capital buys and collects charged-off consumer debt, a model where reported earnings depend heavily on estimated future collections from purchased receivable portfolios, and it funds purchases with substantial debt that is costlier at current rates. That estimation-driven earnings quality is a real caveat the quant score cannot see. No accounting failure is known, so this is a flag.
COMPANY DESCRIPTION
Encore Capital Group, Inc. is a leading global debt management and recovery company that purchases portfolios of defaulted consumer receivables from financial institutions. The company leverages sophisticated data analytics and compliance-focused collection strategies to work with consumers to resolve their outstanding obligations. Encore's competitive advantage stems from its significant scale, global operational footprint, and expertise in navigating complex regulatory environments for debt recovery.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.4B | 1.2B | 1.3B | 1.8B | 8.1% | 1.9B | 1.9B | 1.9B | 4.6% |
| EPS | 8.06 | -8.72 | -5.83 | 11.05 | 11.1% | 13.16 | 13.69 | 14.81 | 15.8% |
| Shares | 23.3M | 23.5M | 23.7M | 21.7M | -7.0% | 21.2M | — | — | — |
| Debt | 2.9B | 3.3B | 3.7B | 4.0B | 11.3% | 4.2B | — | — | — |
| Equity | 1.2B | 936.5M | 767.3M | 976.8M | -6.1% | — | — | — | — |
| Op CF | 210.7M | 153.0M | 156.2M | 153.2M | -10.1% | 151.3M | — | — | — |
| Inv CF | -130.2M | -401.9M | -440.4M | -242.6M | — | — | — | — | — |
| Fin CF | -107.4M | 268.3M | 317.8M | 44.9M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of ECPG are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| ECPG | Encore Capital Group, Inc.(you) | $2.1B | 84 | Strong Buy |
| EZPW | EZCORP, Inc. | $2.0B | 77 | Buy |
| ATLC | Atlanticus Holdings Corporation | $1.4B | 78 | Buy |
| JCAP | Jefferson Capital, Inc. | $1.2B | 86 | Strong Buy |
| SEZL | Sezzle Inc. | $4.2B | 80 | Buy |
| BFH | Bread Financial Holdings, Inc. | $4.1B | 69 | Buy |
| WU | The Western Union Company | $2.3B | 54 | Hold |
| CACC | Credit Acceptance Corporation | $6.2B | 72 | Buy |
| WRLD | World Acceptance Corporation | $878M | 62 | Hold |
| ENVA | Enova International, Inc. | $5.8B | 61 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%