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ECPG

Encore Capital Group Inc

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 deep 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, as well as debt servicing and other portfolio management services to credit originator for non-performing loans. The company was incorporated in 1999 and is headquartered in San Diego, California.

Quantitative Factor Evaluation • Updated 2026-08-04

Overall Rating
3.2 / 5.0
B
Value
C+
Factor Score 2.6 / 5.0
Growth
C
Factor Score 2.4 / 5.0
Profitability
B
Factor Score 3.2 / 5.0
Momentum
A
Factor Score 4.4 / 5.0
Revisions
B
Factor Score 3.3 / 5.0

Underlying Financial Metrics

P/E Ratio 7.3
EV / EBITDA 8.3
Rev Growth YoY 21.0%
Gross Margin 100.0%
Price Return 3M 15.6%
Price Return 12M 161.1%
Analyst Up Revisions 4.0
Analyst Down Revisions 0.0

Historical Factor Score Progression

Date Value Growth Profitability Momentum Revisions Overall
2026-08-04 C+ (2.6) C (2.4) B (3.2) A (4.4) B (3.3) B (3.2)
2026-08-03 C+ (2.6) C (2.5) B (3.2) A (4.3) B (3.3) B (3.2)
2026-08-02 C+ (2.6) C (2.5) B (3.2) A (4.3) B (3.3) B (3.2)