Encore Capital Group Inc
ECPG Small CapFinancial Services · Credit Services
Mis à jour: Jun 18, 2026, 22:21 UTC
Price Chart
Indicateurs clés
Valuation Analysis
About the Company
Encore Capital Group Inc en bref
Encore Capital Group Inc (ECPG) is currently trading at 72,48 € with a market capitalization of 1,6 Md €. The trailing P/E ratio stands at 6.47x, with a forward P/E of 6.22x. The 52-week range spans from 31,13 € to 80,84 €; the current price is 10.4% below the yearly high. Year-over-year revenue growth stands at +21.0%. The net profit margin stands at 16%.
💰 Dividende
Encore Capital Group Inc currently does not pay a dividend. The company typically reinvests its earnings into growth initiatives and product development.
📊 Avis des analystes
3 analystes évaluent Encore Capital Group Inc (ECPG) au consensus : Acheter. L'objectif de cours moyen est de 96,87 €, soit un potentiel de +33.65% par rapport au cours actuel. La fourchette des objectifs de cours des analystes va de 91,63 € à 104,72 €.
Encore Capital Group Inc : la thèse d'investissement en détail
Encore Capital Group Inc (ECPG) operates in the Financial Services — specifically Credit Services — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.
Le scénario haussier
Revenue is growing at a healthy 21% pace year-over-year, suggesting the business model continues to find new customers and pricing power. Earnings growth of 100% is outpacing revenue, a sign of operational leverage — fixed costs are being absorbed across a larger base. With a gross margin near 100%, the company sits in the top tier of its industry — these are the kinds of structural margins that protect earnings during downturns.
Le scénario baissier
The debt-to-equity ratio of 390.51% is elevated, meaning the company relies heavily on creditors — refinancing terms will become more important than operational performance in the next economic downturn.
Valorisation en contexte
With a PEG ratio of 0.17, the price-to-earnings multiple is actually below the company's growth rate — classic value-meets-growth territory that Peter Lynch would have called a 'GARP' opportunity. The EV/EBITDA multiple of 7.88x is below the historical equity-market average — strategic acquirers would find the cash-flow profile attractive at this level.
À surveiller
- The analyst consensus price target implies 33.65% upside — if the next two quarters confirm the underlying thesis, target hikes typically follow.
Thèse d'investissement : forces et faiblesses
- Forte croissance du CA de 21% sur un an
- Rentabilité élevée des capitaux propres (31.96% ROE)
- Marge brute élevée de 100% — signe d'un pouvoir de fixation des prix
- Consensus des analystes : Buy
- Actuellement jugée sous-évaluée
- –Endettement élevé (D/E 390.51)
- –Free cash flow négatif
Aperçu technique
Price trades above both the 50- and 200-day moving averages, with 50d above 200d — a classic bullish setup (golden-cross alignment).
Profil de risque
The data points to market-like volatility, elevated short interest (8.23%), higher leverage relative to equity.
Trading Data
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