What is ECPG's P/E ratio?

ENCORE CAPITAL GROUP INC (ECPG) currently trades at a P/E ratio of 6.81.

ENCORE CAPITAL GROUP INC reports a Return on Equity (ROE) of 28.63%.

What is ECPG's dividend yield?

ENCORE CAPITAL GROUP INC offers a dividend yield of 0.00%.

What is ECPG's Quality Score?

Our AI rates ECPG's overall financial quality at 54 out of 100, based on profitability, growth, debt and earnings stability.

Is now a good time to buy ECPG?

Our AI Timing Score for ECPG is 89 out of 100, indicating the relative attractiveness of buying at the current price using technical and momentum signals.

Which sector does ECPG belong to?

ENCORE CAPITAL GROUP INC is classified under the Financial Services >> Credit Services sector on the NASDAQ exchange

ECPG (NASDAQ) Stock Analysis | ENCORE CAPITAL GROUP INC

Stock Check Daily update data at 8:30 AM
(Price: 2026-07-31 | FS: 2026-03-31)

ECPG AI Analysis Summary

Our AI summary for ECPG: ENCORE CAPITAL GROUP INC (NASDAQ), Financial Services >> Credit Services sector. The stock currently trades at a P/E of 6.81, ROE of 28.63%, a dividend yield of 0.00%. Its financial Quality Score stands at 54/100 — mid-range fundamentals relative to the market. The AI Timing Score is 89/100 — multiple technical signals currently support price momentum. All scores are recomputed automatically after each market close from official exchange data. This is systematically generated analysis, not personalized investment advice.

ECPG

ENCORE CAPITAL GROUP INC

USD 94.08

-0.01 (-0.01%) Day Change

Watchlist Portfolio Compare Chart

6.81

P/E

3.90

D/E

28.6%

ROE

5.4%

ROA

0.00%

Div Yield

-0.04

PEG

ENCORE CAPITAL GROUP INC
TYPE: STOCK
MARKET: NASDAQ

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USD 94.08 Price -0.01 (-0.01%) Day Change	NEWS SCORE: 98

ECPG, the overall quality is not quite good ( Quality = 54) but the timing to buy is ...(Sign In to See)...

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54 QUALITY

Signal: UNDERPERFORM

Signal Description: Company financial health is Not Good

Reason: Acceleration of ROE growth rate is below our criteria.
Historical ROE is relatively low
ROA is too relatively low compare to ROE
Acceleration of ROA growth rate is below our criteria.
Acceleration of net profit margin growth rate is below our criteria
Historical net profit margin is relatively low.

88 Sign in

TIMING

Signal: OUTPERFORM

Signal Descri...: Good

Reason: Momentum indicators aligned on the daily timeframe

Unlock timing signals and detailed reasons

In details, quality factors are not good , financial health is not quite good , and ability to make profit is good , ...

Quality Factors

48%

In Recommendations?	Not in any sections
Select Rate	0.00 From 30 days period
Watch Rate	0.00 From 30 days period
News Score	98
Magic Formula Rank by ROA	579
Magic Formula Rank by ROE	579
Magic Formula Rank by ROIC	542
Price	94.08
PBV / Sector	1.95 / 4.67
Earning Per Share	13.82

PE / Sector	6.81 / 13.71 GREAT
PEG or PE/Growth / Sector	-0.04 / 0.12
Average 1M Daily Value	31.23 M GREAT
Average 1W Daily Value	32.09 M GREAT

Timing Factors

71%

MACD	SIGN IN
MACD Signal	SIGN IN
MACD Divergence	SIGN IN
RSI	SIGN IN
Stochastic Oscillator K	SIGN IN
Stochastic Oscillator D	SIGN IN
ADX	SIGN IN
Avg 5 day Timing Score	SIGN IN

Financial Health

50%

DE / Sector	SIGN IN
DE Average / Sector	SIGN IN
DE Change Average (%) / Sector	SIGN IN
Current Ratio / Sector	SIGN IN
Current Ratio Average / Sector	SIGN IN
Current Ratio Change Average (%) / Sector	SIGN IN
Quick Ratio / Sector	SIGN IN
Quick Ratio Average / Sector	SIGN IN
Quick Ratio Change Average (%) / Sector	SIGN IN
FCF/Share / Sector	SIGN IN
FCF/Share Average / Sector	SIGN IN
FCF/Share Change Average (%) / Sector	SIGN IN

Ability to Make Profit

70%

GPM (%) / Sector	SIGN IN
GPM Average (%) / Sector	SIGN IN
GPM Change Average (%) / Sector	SIGN IN
OPM (%) / Sector	SIGN IN
OPM Average (%) / Sector	SIGN IN
OPM Change Average (%) / Sector	SIGN IN
NPM (%) / Sector	16.02 / 69.56 GOOD
NPM Average (%) / Sector	3.41 / 32.21
NPM Change Average (%) / Sector	-121.63 / 23.87
Asset Turnover / Sector	SIGN IN
Asset Turnover Average / Sector	SIGN IN
Asset Turnover Change Average (%) / Sector	SIGN IN
ROA (%) / Sector	5.44 / 5.73
ROA Average (%) / Sector	1.44 / 4.78
ROA Change Average (%) / Sector	-122.64 / 8.81
ROE (%) / Sector	28.63 / 25.41 GOOD
ROE Average (%) / Sector	6.25 / 10.57
ROE Change Average (%) / Sector	-121.85 / 8.94
ROIC (%) / Sector	SIGN IN
ROIC Average (%) / Sector	SIGN IN
ROIC Change Average (%) / Sector	SIGN IN

Return to Investors

Dividend (%) / Sector	N/A / 2.40
Dividend Average (%) / Sector	N/A / 4.16
Dividend Change Average (%) / Sector	N/A / 18.70

Registration Details

Analyze Date	2026-08-01 07:59:45
Symbol	ECPG
Name	ENCORE CAPITAL GROUP INC
Sector	Financial Services >> Credit Services
Market	NASDAQ
Listed Shares	21.44 M
Par Value	N/A
Calculated From	Quarter
Sign	N/A
Market Cap (M.USD) / Sector Average	2,017.33 / 43,886.28

News, Concensus, ...

Estimation Consensus	See at WSJ.com
Full details	See at WSJ.com
Chart	See in Chart feature
News	See at Yahoo Finance

Address: 350 Camino De La Reina, San Diego, CA, United States, 92108

Phone: 877 345 3002

Website: https://www.encorecapital.com

Employees: 7,350

Sector: Financial Services >> Credit Services

Description: 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 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 debt servicing, such as early stage collection, business process outsourcing, and contingent collection services. In addition, the company engages in debt servicing and other portfolio management services to credit originator for non-performing loans. Further, it offers credit management services. Encore Capital Group, Inc. was incorporated in 1999 and is headquartered in San Diego, California.