Superworth

Encore Capital ECPG

Financial - Credit Services, Financial Services
$97.73
−2.62%
Market cap
$2.1B
PE
7.4×
10y median 7.2×
Forward PE
n/m
not a meaningful number
Price to sales
1.1×
EV/EBIT
9.4×
Revenue, 12 months
$1.9B
+30% on a year ago
Net margin
15.9%
Free cash flow yield
6.0%

Encore Capital trades at 7.4× trailing earnings, near its ten-year median. Revenue was $1.9B over the last twelve months, up 30% on a year earlier with a 16% net margin.

Charts

Financials

Income statement for ECPG, by quarter
Income statementQ3 FY23Q4 FY23Q1 FY24Q2 FY24Q3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26
$309.6M+1%$277.4M+19%$328.4M+5%$355.3M+10%$367.1M+19%$265.6M−4%$392.8M+20%$442.1M+24%$460.4M+25%$473.6M+78%$475.4M+21%$491.9M+11%
SG&A$35.6M−5%$36.8M−8%$36.2M−5%$36.8M+7%$38.8M+9%$52M+41%$41M+13%$41.3M+12%$39.2M+1%$44.4M−15%$39.6M−3%$38.7M−6%
$75.5M−6%−$217.2M+9323%$83.6M+19%$101.8M+16%$106.1M+41%−$134.2M−38%$129.3M+55%$150.7M+48%$173.2M+63%$173.4M$184M+42%$186.9M+24%
Interest expense$50.6M+29%$54.5M+29%$55.8M+19%$61.4M+23%$66.9M+32%$68.5M+26%$70.5M+27%$73.9M+21%$74.2M+11%$75.2M+10%$73M+4%$73.9M+0%
Pre-tax income$30.1M−29%−$271.7M+492%$30.5M+22%$42.5M+17%$40.8M+36%−$210M−23%$60.5M+98%$78M+84%$99.9M+145%$97.8M$111.7M+85%$82.8M+6%
$10.7M−2%−$934K$7.3M+13%$10.3M+3%$10.1M−6%$15.3M$13.7M+88%$19.3M+87%$25.2M+149%$21.2M+38%$25.5M+87%$18.8M−2%
Net income$19.3M−39%−$270.8M+270%$23.2M+25%$32.2M+22%$30.6M+59%−$225.3M−17%$46.8M+101%$58.7M+83%$74.7M+144%$76.7M$86.2M+84%$64M+9%
$0.79−35%−$11.40+267%$0.95+27%$1.34+24%$1.26+60%−$9.42−17%$1.93+103%$2.49+86%$3.17+152%$3.37$3.86+100%$2.81+13%
24.4M−6%23.7M+1%24.5M−2%24.1M−1%24.4M+0%23.9M+1%24.3M−1%23.6M−2%23.5M−4%22.8M−5%22.3M−8%22.8M−3%

EPS, diluted: 8 periods, Q4 FY10 to Q4 FY25: quarter's net income to common over its shares, to the cent.

Diluted shares: 12 periods, Q4 FY10 to Q4 FY25: share-days: the 12-month average less the 9-month, weighted by days. 4 periods, Q4 FY15 to Q4 FY24: a loss quarter: its basic count, share-days: the 12-month average less the 9-month, weighted by days.

From each company's 10-Q and 10-K filings, the newest version of each figure. Quarters are as filed (a fourth quarter is the year less its first nine months), fiscal years as the 10-K prints them, restated where a later 10-K restated them, and balance sheet lines as of the period's end. A quarter whose 10-Q isn't filed yet is from the company's results release. Growth is on the same period a year earlier. A dash is a period with no figure for the line: the filing doesn't print it, or it hasn't been read yet.

Peers

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

CompanyMarket capPEIts 10y median PEFwd PEP/SRevenue growthNet margin
ECPGEncore Capital$2.1B7.4×7.2×1.1×+30%15.9%
AGMFederal Agricultural Mortgage$2.2B10.9×10.3×4.9×+15%51.4%
WUWestern Union CO$2B5.2×7.9×0.5×−2%9.8%
UPSTUpstart$2.3B48.5×62.8×1.9×+46%4.8%
FLYWFlywire$2.4B74.6×134×3.3×+32%4.8%
PAYOPayoneer Global$2.4B47.7×28.4×2.2×+6%4.6%
EEFTEuronet Worldwide$2.5B10.4×25.6×0.6×+6%6.6%
HAPNHappen$1.6B8.5×20.6×1.6×+18%18.7%
PGYPagaya Technologies$1.6B13.9×14.2×1.1×+20%9.1%
CBZCBIZ$3B25.7×21.6×1.1×+14%4.7%
NUTXNutex Health$1.4B8.3×11.0×1.7×+7%21.2%
Peer median$2.2B12.4×21.1×1.6×+15%7.8%

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About

Industry
Financial - Credit Services
Sector
Financial Services

Valuation data, not investment advice. Prices as of .