Encore Capital Group, Inc. Logo

Encore Capital Group, Inc.

ECPG

(0.5)
Stock Price

49,68 USD

-0.23% ROA

-18.14% ROE

-133.46x PER

Market Cap.

1.171.724.280,00 USD

259.78% DER

0% Yield

-16.89% NPM

Encore Capital Group, Inc. Stock Analysis

Encore Capital Group, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Encore Capital Group, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.84x), the stock offers substantial upside potential at a bargain price.

2 ROE

The stock's ROE indicates a negative return (-0.74%) on shareholders' equity, suggesting poor financial performance.

3 ROA

The stock's ROA (-0.23%) suggests that it's struggling to generate profits from its assets, making it a risky choice for investment.

4 DER

The stock is burdened with a heavy load of debt (260%), making it financially unstable and potentially risky for investors.

5 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

6 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

7 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

8 Graham Number

The company's Graham number indicates that it is overvalued compared to its stock price, suggesting a potentially unfavorable investment opportunity.

9 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

10 Dividend

The company has not distributed any dividends in the past three years, which may raise concerns for investors looking for regular income from their investments.

11 Buffet Intrinsic Value

The company's stock shows signs of being overvalued (-5.796) according to Warren Buffett's formula, indicating a potential downside as its market price exceeds its estimated intrinsic value.

Encore Capital Group, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Encore Capital Group, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Encore Capital Group, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Encore Capital Group, Inc. Revenue
Year Revenue Growth
1998 26.900.000
1999 28.200.000 4.61%
2000 36.560.000 22.87%
2001 47.845.000 23.59%
2002 90.380.000 47.06%
2003 117.502.000 23.08%
2004 178.475.000 34.16%
2005 221.835.000 19.55%
2006 255.140.000 13.05%
2007 254.011.000 -0.44%
2008 255.889.000 0.73%
2009 316.419.000 19.13%
2010 381.308.000 17.02%
2011 467.371.000 18.41%
2012 555.872.000 15.92%
2013 773.364.000 28.12%
2014 1.072.789.000 27.91%
2015 1.161.572.000 7.64%
2016 1.029.258.000 -12.86%
2017 1.187.038.000 13.29%
2018 1.362.030.000 12.85%
2019 1.397.681.000 2.55%
2020 1.501.400.000 6.91%
2021 1.614.499.000 7.01%
2022 1.398.347.000 -15.46%
2023 1.238.476.000 -12.91%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Encore Capital Group, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Encore Capital Group, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1998 0
1999 0 0%
2000 0 0%
2001 0 0%
2002 6.314.000 100%
2003 6.509.000 3%
2004 9.212.000 29.34%
2005 13.375.000 31.13%
2006 17.310.000 22.73%
2007 17.478.000 0.96%
2008 19.445.000 10.12%
2009 201.899.000 90.37%
2010 224.306.000 9.99%
2011 287.998.000 22.12%
2012 61.798.000 -366.03%
2013 109.713.000 43.67%
2014 146.286.000 25%
2015 196.827.000 25.68%
2016 134.046.000 -46.84%
2017 158.080.000 15.2%
2018 158.352.000 0.17%
2019 148.256.000 -6.81%
2020 149.113.000 0.57%
2021 137.695.000 -8.29%
2022 145.798.000 5.56%
2023 142.236.000 -2.5%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Encore Capital Group, Inc. EBITDA
Year EBITDA Growth
1998 16.100.000
1999 700.000 -2200%
2000 9.136.000 92.34%
2001 4.897.000 -86.56%
2002 31.575.000 84.49%
2003 38.638.000 18.28%
2004 74.932.000 48.44%
2005 86.679.000 13.55%
2006 76.236.000 -13.7%
2007 67.394.000 -13.12%
2008 34.726.000 -94.07%
2009 69.229.000 49.84%
2010 100.230.000 30.93%
2011 127.268.000 21.24%
2012 159.440.000 20.18%
2013 207.684.000 23.23%
2014 347.506.000 40.24%
2015 330.759.000 -5.06%
2016 290.610.000 -13.82%
2017 375.364.000 22.58%
2018 437.764.000 14.25%
2019 479.749.000 8.75%
2020 575.985.000 16.71%
2021 665.567.000 13.46%
2022 514.791.000 -29.29%
2023 353.256.000 -45.73%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Encore Capital Group, Inc. Gross Profit
Year Gross Profit Growth
1998 25.000.000
1999 22.700.000 -10.13%
2000 36.560.000 37.91%
2001 47.845.000 23.59%
2002 71.418.000 33.01%
2003 90.340.000 20.95%
2004 150.273.000 39.88%
2005 152.485.000 1.45%
2006 203.061.000 24.91%
2007 153.842.000 -31.99%
2008 136.050.000 -13.08%
2009 232.381.000 41.45%
2010 279.154.000 16.76%
2011 346.086.000 19.34%
2012 270.753.000 -27.82%
2013 388.268.000 30.27%
2014 587.538.000 33.92%
2015 623.533.000 5.77%
2016 511.165.000 -21.98%
2017 627.535.000 18.54%
2018 739.814.000 15.18%
2019 754.781.000 1.98%
2020 834.399.000 9.54%
2021 927.984.000 10.08%
2022 769.700.000 -20.56%
2023 600.928.000 -28.09%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Encore Capital Group, Inc. Net Profit
Year Net Profit Growth
1998 7.300.000
1999 -100.000 7400%
2000 -23.730.000 99.58%
2001 -10.865.000 -118.41%
2002 13.789.000 178.79%
2003 18.420.000 25.14%
2004 23.176.000 20.52%
2005 31.091.000 25.46%
2006 24.008.000 -29.5%
2007 15.042.000 -59.61%
2008 18.834.000 20.13%
2009 33.047.000 43.01%
2010 49.052.000 32.63%
2011 60.958.000 19.53%
2012 69.477.000 12.26%
2013 75.299.000 7.73%
2014 103.726.000 27.41%
2015 45.135.000 -129.81%
2016 76.570.000 41.05%
2017 83.228.000 8%
2018 115.886.000 28.18%
2019 167.869.000 30.97%
2020 211.848.000 20.76%
2021 350.782.000 39.61%
2022 194.564.000 -80.29%
2023 77.356.000 -151.52%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Encore Capital Group, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1998 1
1999 0 0%
2000 -3 100%
2001 -2 -200%
2002 2 200%
2003 2 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 1 100%
2010 2 50%
2011 2 0%
2012 3 0%
2013 3 33.33%
2014 4 25%
2015 2 -300%
2016 3 50%
2017 3 33.33%
2018 4 25%
2019 5 20%
2020 7 16.67%
2021 12 45.45%
2022 8 -37.5%
2023 3 -166.67%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Encore Capital Group, Inc. Free Cashflow
Year Free Cashflow Growth
1998 600.000
1999 -7.500.000 108%
2000 -13.223.000 43.28%
2001 8.425.000 256.95%
2002 23.941.000 64.81%
2003 32.956.000 27.35%
2004 33.887.000 2.75%
2005 28.363.000 -19.48%
2006 35.597.000 20.32%
2007 14.412.000 -147%
2008 60.795.000 76.29%
2009 71.484.000 14.95%
2010 70.729.000 -1.07%
2011 79.015.000 10.49%
2012 92.255.000 14.35%
2013 61.352.000 -50.37%
2014 88.306.000 30.52%
2015 85.778.000 -2.95%
2016 98.664.000 13.06%
2017 95.692.000 -3.11%
2018 119.316.000 19.8%
2019 205.131.000 41.83%
2020 278.264.000 26.28%
2021 269.681.000 -3.18%
2022 173.457.000 -55.47%
2023 46.326.000 -274.43%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Encore Capital Group, Inc. Operating Cashflow
Year Operating Cashflow Growth
1998 3.400.000
1999 -3.400.000 200%
2000 -12.437.000 72.66%
2001 8.853.000 240.48%
2002 24.690.000 64.14%
2003 33.971.000 27.32%
2004 36.412.000 6.7%
2005 31.226.000 -16.61%
2006 38.027.000 17.88%
2007 15.834.000 -140.16%
2008 63.071.000 74.89%
2009 76.116.000 17.14%
2010 73.451.000 -3.63%
2011 84.579.000 13.16%
2012 98.520.000 14.15%
2013 74.775.000 -31.76%
2014 111.544.000 32.96%
2015 114.425.000 2.52%
2016 130.332.000 12.2%
2017 123.818.000 -5.26%
2018 186.791.000 33.71%
2019 244.733.000 23.68%
2020 312.864.000 21.78%
2021 303.053.000 -3.24%
2022 210.681.000 -43.84%
2023 53.588.000 -293.15%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Encore Capital Group, Inc. Capital Expenditure
Year Capital Expenditure Growth
1998 2.800.000
1999 4.100.000 31.71%
2000 786.000 -421.63%
2001 428.000 -83.64%
2002 749.000 42.86%
2003 1.015.000 26.21%
2004 2.525.000 59.8%
2005 2.863.000 11.81%
2006 2.430.000 -17.82%
2007 1.422.000 -70.89%
2008 2.276.000 37.52%
2009 4.632.000 50.86%
2010 2.722.000 -70.17%
2011 5.564.000 51.08%
2012 6.265.000 11.19%
2013 13.423.000 53.33%
2014 23.238.000 42.24%
2015 28.647.000 18.88%
2016 31.668.000 9.54%
2017 28.126.000 -12.59%
2018 67.475.000 58.32%
2019 39.602.000 -70.38%
2020 34.600.000 -14.46%
2021 33.372.000 -3.68%
2022 37.224.000 10.35%
2023 7.262.000 -412.59%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Encore Capital Group, Inc. Equity
Year Equity Growth
1998 13.900.000
1999 33.000.000 57.88%
2000 10.079.000 -227.41%
2001 -2.358.000 527.44%
2002 19.542.000 112.07%
2003 71.371.000 72.62%
2004 96.015.000 25.67%
2005 118.352.000 18.87%
2006 151.136.000 21.69%
2007 171.520.000 11.88%
2008 195.890.000 12.44%
2009 243.091.000 19.42%
2010 302.697.000 19.69%
2011 371.535.000 18.53%
2012 405.816.000 8.45%
2013 571.897.000 29.04%
2014 632.073.000 9.52%
2015 602.579.000 -4.89%
2016 562.299.000 -7.16%
2017 581.862.000 3.36%
2018 819.688.000 29.01%
2019 1.025.406.000 20.06%
2020 1.220.076.000 15.96%
2021 1.185.261.000 -2.94%
2022 1.179.627.000 -0.48%
2023 1.198.783.000 1.6%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Encore Capital Group, Inc. Assets
Year Assets Growth
1998 34.800.000
1999 101.500.000 65.71%
2000 71.101.000 -42.75%
2001 77.711.000 8.51%
2002 89.974.000 13.63%
2003 138.285.000 34.94%
2004 201.142.000 31.25%
2005 361.204.000 44.31%
2006 395.338.000 8.63%
2007 483.495.000 18.23%
2008 549.298.000 11.98%
2009 595.159.000 7.71%
2010 736.468.000 19.19%
2011 812.483.000 9.36%
2012 1.171.340.000 30.64%
2013 2.685.274.000 56.38%
2014 3.750.135.000 28.4%
2015 4.219.852.000 11.13%
2016 3.670.497.000 -14.97%
2017 4.490.712.000 18.26%
2018 4.631.875.000 3.05%
2019 4.909.950.000 5.66%
2020 4.864.523.000 -0.93%
2021 4.608.125.000 -5.56%
2022 4.508.360.000 -2.21%
2023 4.760.288.000 5.29%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Encore Capital Group, Inc. Liabilities
Year Liabilities Growth
1998 20.900.000
1999 68.500.000 69.49%
2000 61.022.000 -12.25%
2001 80.069.000 23.79%
2002 70.432.000 -13.68%
2003 66.914.000 -5.26%
2004 105.127.000 36.35%
2005 242.852.000 56.71%
2006 244.202.000 0.55%
2007 311.975.000 21.72%
2008 353.408.000 11.72%
2009 352.068.000 -0.38%
2010 433.771.000 18.84%
2011 440.948.000 1.63%
2012 765.524.000 42.4%
2013 2.082.803.000 63.25%
2014 3.085.196.000 32.49%
2015 3.571.364.000 13.61%
2016 3.069.982.000 -16.33%
2017 3.766.801.000 18.5%
2018 3.812.187.000 1.19%
2019 3.884.544.000 1.86%
2020 3.644.447.000 -6.59%
2021 3.422.864.000 -6.47%
2022 3.328.733.000 -2.83%
2023 3.561.505.000 6.54%

Encore Capital Group, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
49.73
Net Income per Share
-0.37
Price to Earning Ratio
-133.46x
Price To Sales Ratio
0.99x
POCF Ratio
6.86
PFCF Ratio
8.42
Price to Book Ratio
0.99
EV to Sales
3.51
EV Over EBITDA
15
EV to Operating CashFlow
24.07
EV to FreeCashFlow
29.77
Earnings Yield
-0.01
FreeCashFlow Yield
0.12
Market Cap
1,17 Bil.
Enterprise Value
4,14 Bil.
Graham Number
20.6
Graham NetNet
-143.77

Income Statement Metrics

Net Income per Share
-0.37
Income Quality
-19.44
ROE
-0.01
Return On Assets
-0.04
Return On Capital Employed
0
Net Income per EBT
1.15
EBT Per Ebit
-10.9
Ebit per Revenue
0.01
Effective Tax Rate
-0.15

Margins

Sales, General, & Administrative to Revenue
0.13
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
0.47
Operating Profit Margin
0.01
Pretax Profit Margin
-0.15
Net Profit Margin
-0.17

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
7.25
Free CashFlow per Share
5.87
Capex to Operating CashFlow
-0.19
Capex to Revenue
-0.03
Capex to Depreciation
-0.68
Return on Invested Capital
-0.01
Return on Tangible Assets
-0
Days Sales Outstanding
3.17
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
115.18
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-1.39

Balance Sheet

Cash per Share
6,10
Book Value per Share
50,56
Tangible Book Value per Share
14.93
Shareholders Equity per Share
50.56
Interest Debt per Share
139.03
Debt to Equity
2.6
Debt to Assets
0.65
Net Debt to EBITDA
10.75
Current Ratio
0.16
Tangible Asset Value
0,35 Bil.
Net Current Asset Value
-3,32 Bil.
Invested Capital
2.6
Working Capital
-1,22 Bil.
Intangibles to Total Assets
0.18
Average Receivables
0,01 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
2.66

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Encore Capital Group, Inc. Dividends
Year Dividends Growth

Encore Capital Group, Inc. Profile

About 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.

CEO
Mr. Ashish Masih
Employee
7.400
Address
350 Camino De La Reina
San Diego, 92108

Encore Capital Group, Inc. Executives & BODs

Encore Capital Group, Inc. Executives & BODs
# Name Age
1 Mr. Steve Carmichael
Senior Vice President and Chief Risk, Strategy & Compliance Officer
70
2 Faryar Borhani
Vice President & Chief Communications Officer
70
3 Mr. Ryan B. Bell
President of Midland Credit Management, Inc.
70
4 Mr. Bruce Thomas
Vice President of Global Investor Relations
70
5 Mr. Ashish Masih
President, Chief Executive Officer & Director
70
6 Ms. Sheryl Wright
Senior Vice President of Corporate & Government Affairs
70
7 Mr. Andrew E. Asch
Senior Vice President, General Counsel & Corporate Secretary
70
8 Ms. Tracy Ting
Senior Vice President & Chief Human Resources Officer
70
9 Mr. Jonathan C. Clark
Executive Vice President, Principal Accounting Officer, Chief Financial Officer & Treasurer
70
10 Ms. Monique Dumais-Chrisope
Senior Vice President & Chief Information Officer
70

Encore Capital Group, Inc. Competitors