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Encore Capital price to book ratio ECPG

Market value divided by the book value of the company's net assets, since 2011.

Today, Oct 23, 2026
1.9×
10-year median
1.2×
Against its 10-year history
93rd
percentile: 0 is its lowest day, 100 its highest
10-year range
0.5× to 2.2×
Peer median
2.4×

Encore Capital's price to book ratio is 1.9× as of Oct 23, 2026.

That is above its ten-year median of 1.2×, higher than on 93% of days in the last ten years.

Over that time it ranged from 0.5× in Apr 2020 to 2.2× in Nov 2017.

The median for 10 credit services stocks of a similar size is 2.4×.

Price to book ratio over time

The dashed line is the 10-year median and the shaded band the middle half of its days.

Open the interactive chart, with overlays and comparisons

Year by year

YearEnd of yearLowHigh
2026 so far1.9×1.3×2.0×
20251.3×0.9×1.3×
20241.1×1.0×1.3×
20231.0×0.8×1.1×
20220.9×0.9×1.5×
20211.3×0.8×1.3×
20201.1×0.5×1.4×
20191.2×1.0×1.4×
20180.9×0.9×2.0×
20171.9×1.3×2.2×
20161.3×0.7×1.3×
20151.2×1.2×1.9×
20141.9×1.7×2.4×
20132.3×1.6×2.5×
20121.7×1.4×1.9×
20111.5×1.4×1.9×

Against its peers

Companies in Financial - Credit Services nearest Encore Capital's size, closest first, today.

CompanyPrice to book ratio
ECPGEncore Capital1.9×
AGMFederal Agricultural Mortgage1.2×
WUWestern Union CO2.2×
UPSTUpstart2.9×
FLYWFlywire2.9×
PAYOPayoneer Global3.7×
EEFTEuronet Worldwide2.0×
HAPNHappen1.0×
PGYPagaya Technologies2.7×
CBZCBIZ1.6×
NUTXNutex Health3.6×
Peer median2.4×

What the price to book ratio tells you

Market value divided by the accounting value of the company's net assets. Below 1 means the market values the business at less than what it owns on paper.

Book value misses brands, software and people, so asset-light companies always look expensive on it. Most useful for banks and industrials.

More on Encore Capital

Valuation data, not investment advice. Prices as of . Reported figures come from the company's filings with the SEC.