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Encore Capital price to free cash flow ECPG

Market value divided by free cash flow over the last twelve months, since 2012.

Today, Oct 23, 2026
16.6×
10-year median
7.7×
Against its 10-year history
98th
percentile: 0 is its lowest day, 100 its highest
10-year range
2.6× to 18.1×
Peer median
9.1×

Encore Capital's price to free cash flow is 16.6× as of Oct 23, 2026.

That is above its ten-year median of 7.7×, higher than on 98% of days in the last ten years.

Over that time it ranged from 2.6× in Apr 2020 to 18.1× in May 2018.

The median for 10 credit services stocks of a similar size is 9.1×.

Price to free cash flow 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 far16.6×9.3×17.6×
20259.4×5.5×10.8×
20248.0×6.8×9.2×
20238.6×5.5×8.6×
20225.2×4.9×7.0×
20215.3×3.5×5.5×
20204.6×2.6×5.9×
20195.5×5.5×8.9×
20186.2×5.8×18.1×
201711.9×6.8×13.8×
20166.8×5.7×12.0×
201514.5×8.3×19.2×
20149.9×9.0×34.3×
201320.5×6.8×22.3×
20128.6×7.3×9.3×

Against its peers

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

CompanyPrice to free cash flow
ECPGEncore Capital16.6×
AGMFederal Agricultural Mortgagen/m
WUWestern Union CO3.5×
UPSTUpstartn/m
FLYWFlywire14.8×
PAYOPayoneer Global13.4×
EEFTEuronet Worldwide9.1×
HAPNHappenn/m
PGYPagaya Technologies6.3×
CBZCBIZ10.9×
NUTXNutex Health5.2×
Peer median9.1×

What the price to free cash flow tells you

Market value divided by free cash flow: the cash left after running the business and paying for equipment. Cash is harder to manage than accounting earnings, so many investors trust this more than PE.

Lumpy: a big year of building factories drops cash flow and inflates the ratio without the business getting worse.

More on Encore Capital

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