Encore Capital Group, Inc. (ECPG) — Stock Score Summary

Encore Capital Group, Inc. (ECPG) has a MoatMap StockRank of 94/100 based on Quality (67/100), Value (48/100), and Momentum (68/100) factor scores. The current signal is STRONG BUY. Encore Capital is a debt purchaser and collector. While it has a solid market position, it is highly leveraged, sensitive to interest rate cycles, and operates in a highly regulated, consumer-unfriendly industry that lacks a structural growth runway.

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.

Key Financial Metrics

Price$80.62
Market Cap$1.7B
P/E (TTM)6.28
P/E (Forward)6.04
Price/Book1.67
Return on Equity32.0%
Return on Invested Capital12.1%
Debt/Equity390.51
Gross Margin100.0%
Operating Margin38.7%
Revenue Growth21.0%
Free Cash Flow$-229M

Encore Capital Group, Inc. operates in the Credit Services industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Encore Capital Group, Inc.’s (ECPG) StockRank?
MoatMap’s StockRank for Encore Capital Group, Inc. (ECPG) is 94/100, with a Strong Buy signal. It is a composite of Quality (67), Value (48), and Momentum (68) factor ranks across MoatMap’s 19,000+ stock universe.
Does Encore Capital Group, Inc. have an economic moat?
Encore Capital Group, Inc. (ECPG) has a Quality factor score of 67/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Encore Capital Group, Inc. a buy, hold, or sell?
MoatMap’s current signal for Encore Capital Group, Inc. (ECPG) is Strong Buy, based on a StockRank of 94/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Encore Capital Group, Inc. in?
Encore Capital Group, Inc. (ECPG) operates in the Financial Services sector, specifically the Credit Services industry (United States).
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