Encore Capital Group ECPG Ratios & Valuation
| Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | ||
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Operating margin | 36.8%— | 35.4%— | —— | —— | —— | |
| Net margin | 16%+24.4pp | 14.5%+25.1pp | -2.9%+11.0pp | -6.1%+9.4pp | -8.4%+7.9pp | |
| EBITDA margin | 38.3%+21.8pp | 37.1%+23.2pp | 21.9%+13.9pp | 18.8%+12.6pp | 16.5%+10.9pp | |
| Free cash flow margin | 9%+0.2pp | 7.2%-2.5pp | 8.5%-2.2pp | 6.6%-5.1pp | 8.8%-2.6pp | |
| Returns | ||||||
| Return on equity | 32%+45.0pp | 29.5%+45.8pp | -4.5%+11.9pp | -9.5%+8.2pp | -13.1%+5.8pp | |
| Return on assets | 5.7%+8.1pp | 5.1%+8.0pp | -0.9%+2.9pp | -1.8%+2.3pp | -2.4%+1.9pp | |
| Return on invested capital | 11.2%+6.7pp | 10.3%+6.8pp | 3.4%+1.7pp | 5.5%+4.5pp | 4.6%+3.8pp | |
| Efficiency | ||||||
| Asset turnover | 0.4×+0.1× | 0.3×+0.1× | 0.3×0.0× | 0.3×0.0× | 0.3×0.0× | |
| Leverage | ||||||
| Debt-to-equity | 3.9×-0.7× | 4.2×-0.8× | 4.1×+0.7× | 4.4×+0.9× | 4.6×+1.1× | |
| Debt-to-assets | 0.7×0.0× | 0.8×0.0× | 0.7×0.0× | 0.8×0.0× | 0.8×0.0× | |
| Net debt / EBITDA | 5.4×-10.5× | 6×-14.1× | 11×-20.0× | 13.7×-26.7× | 15.8×-30.7× | |
| Interest coverage | 2.3×+1.6× | 2.1×+1.5× | 1.1×+0.8× | 0.9×+0.7× | 0.7×+0.6× | |
| Per Share | ||||||
| Book value per share | $46.36+37.4% | $41.50+29.1% | $40.52-5.7% | $38.00-7.3% | $33.75-13.4% | |
| Valuation | ||||||
| Market capitalization | $1.5B+84.9% | $1.21B+7.1% | $960.51M-14.2% | $922.99M-6.6% | $812.14M-24.4% | |
| Enterprise value | $5.31B+20.2% | $5.14B+7.4% | $4.72B+6.7% | $4.72B+12.4% | $4.42B+3.5% | |
| Price / earnings | 5.1×— | 4.7×— | —— | —— | —— | |
| Price / sales | 0.8×+0.2× | 0.7×-0.2× | 0.6×-0.2× | 0.6×-0.1× | 0.6×-0.3× | |
| Price / book | 1.5×+0.5× | 1.2×-0.2× | 1×-0.1× | 1×0.0× | 1×-0.1× | |
| EV / EBITDA | 7.5×-11.9× | 7.8×-18.4× | 13.8×-27.7× | 17.1×-35.9× | 19.4×-42.7× | |
| EV / sales | 2.9×-0.3× | 2.9×-0.7× | 3×-0.3× | 3.2×-0.1× | 3.2×-0.2× | |
| Free cash flow yield | 11.1%-3.9pp | 10.5%-0.8pp | 13.7%+1.2pp | 10.4%-4.5pp | 14.9%+1.8pp | |
| Earnings yield | 19.7%+34.0pp | 21.2%+33.5pp | -4.7%+11.8pp | -9.7%+10.2pp | -14.2%+4.6pp |
Chart any of these lines over time, or line them up against competitors.
Compare these in charts →Questions, answered.
- Where do Encore Capital Group's ratios come from?
- Every ratio is computed from Encore Capital Group's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.
