US · ECPG
Encore Capital Group, Inc.
- Sector
- Financial Services · Financial - Mortgages
- Headquarters
- San Diego, CA 92108
- Website
- encorecapital.com
Price · as of 2025-12-31
$83.30
Market cap 1.52B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $260.34 | +212.53% |
| Intrinsic Value(DCF) | $29.71 | -64.33% |
| Graham-Dodd Method(GD) | $74.23 | -10.89% |
| Graham Formula(GF) | $447.26 | +436.93% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $22.35 | $50.61 | $88.15 | $26.87 | $75.22 |
| 2012 | $31.08 | $39.26 | $192.50 | $28.07 | $86.90 |
| 2013 | $48.69 | $107.96 | $616.00 | $18.01 | $138.74 |
| 2014 | $42.26 | $121.71 | $538.28 | $9.78 | $166.94 |
| 2015 | $26.55 | $133.30 | $574.12 | $0.00 | $28.03 |
| 2016 | $31.20 | $121.38 | $51.70 | $6.23 | $0.00 |
| 2017 | $45.70 | $155.84 | $49.75 | $2.66 | $73.26 |
| 2018 | $31.90 | $121.11 | $54.63 | $18.70 | $91.22 |
| 2019 | $38.64 | $105.24 | $40.44 | $31.32 | $57.11 |
| 2020 | $41.62 | $110.36 | $58.76 | $43.59 | $102.52 |
| 2021 | $62.04 | $137.01 | $85.98 | $67.75 | $179.30 |
| 2022 | $48.92 | $151.63 | $35.83 | $55.14 | $0.00 |
| 2023 | $50.15 | $120.14 | $9.29 | $0.00 | $34.21 |
| 2024 | $35.74 | $143.18 | $9.87 | $0.00 | $0.00 |
| 2025 | $70.92 | $260.34 | $44.84 | $74.23 | $447.26 |
AI valuation
Our deep-learning model estimates Encore Capital Group, Inc.'s (ECPG) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $260.34
- Current price
- $83.30
- AI upside
- +212.53%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$29.71
-64.33% upside
Graham-Dodd
$74.23
-10.89% upside
Graham Formula
$447.26
+436.93% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| ECPG | Encore Capital Group, Inc… | $83.30 | 1.52B | +213% | -64% | -11% | +437% | 6.42 | 1.69 | 0.93 | 8.62 | — | 3.74 | 68.98% | 35.38% | 14.57% | 29.45% | 10.37% | 5.07% | 4.23 | 2.17 | 14106.90 | 14106.90 | 6.09 | -28714.00% | 3389.00% | -18.00% | 7.70% | 477.26 | 2.76% | 0.00% | 0.00% | 5.49% | 9.02 | 44.30 | 3.19 | 2.25 |
| ABTC | American Bitcoin Corp | $1.02 | 946.16M | +2,662% | -3% | +235% | +719% | 2.48 | 1.05 | 14.86 | 1.88 | 0.25 | 1.11 | 44.77% | 676.71% | 599.60% | 57.62% | 59.04% | 52.15% | 0.01 | 138.75 | 3.04 | 1.84 | 0.01 | 97798.00% | 1009.00% | 5758.00% | -8.44% | -1.07 | -12.44% | 0.00% | 0.00% | 3.72% | 2.02 | -10.88 | 13.65 | 8.60 |
| BETR | Better Home & Finance Hol… | $32.90 | 500.15M | -88% | -88% | — | — | -0.73 | -2.57 | 1.25 | -4.22 | -0.07 | -1.46 | -35.42% | -156.61% | -171.83% | -640.35% | -52.94% | -22.69% | -13.20 | — | 1.98 | 0.68 | -3.60 | 107672.00% | 3565.00% | 13012.00% | -260.46% | -0.87 | -109.82% | 0.00% | 0.00% | 0.00% | -3.47 | -1.67 | 5.44 | -2.82 |
| GEMI | Gemini Space Station, Inc… | $6.03 | 256.44M | — | — | — | — | — | — | — | — | — | — | 8.21% | -116.64% | -111.52% | 85.49% | -29.63% | -11.30% | -4.56 | — | 1.03 | 0.08 | -8.66 | -5133.00% | 4486.00% | -4635.00% | — | -0.08 | -20.54% | — | 0.00% | — | — | — | — | — |
| GHLD | Guild Holdings Company | $20.01 | 1.25B | +88% | -27% | -12% | +439% | 8.08 | 0.62 | 0.67 | 23.59 | — | -2.48 | 90.65% | 10.13% | 8.27% | 7.95% | 2.66% | 2.30% | 2.42 | 1.08 | 0.05 | 0.09 | 1.16 | -34375.00% | 6280.00% | 58804.00% | -85.39% | -0.30 | -18.38% | 3.92% | 31.70% | 32.75% | 31.08 | -5.53 | 3.15 | 0.28 |
| IGIC | International General Ins… | $25.20 | 1.11B | +62% | +19% | -16% | +117% | 7.52 | 1.55 | 1.93 | 4.72 | 44.61 | 1.73 | 43.79% | 25.15% | 25.70% | 22.62% | 50.55% | 7.61% | 0.01 | — | 1.00 | 1.30 | -1.14 | 1686.00% | 1024.00% | 490.00% | 19.94% | 0.32 | 77.51% | 2.61% | 19.60% | 4.88% | 4.84 | 3.16 | 1.22 | 1.28 |
| JCAP | Jefferson Capital, Inc. C… | $20.63 | 1.2B | — | — | -74% | +258% | — | — | — | — | — | — | 71.17% | 50.84% | 24.30% | 39.22% | 13.07% | 9.31% | 3.12 | — | 20.16 | 20.13 | 7.33 | -524.00% | 3412.00% | 3614.00% | — | 2.18 | 12.59% | — | 27.90% | — | — | — | — | — |
| LDI | loanDepot, Inc. | $2.07 | 714.09M | +784% | -65% | — | — | -1.65 | 1.22 | 0.30 | -27.31 | — | -0.25 | 70.50% | -21.74% | -8.80% | -64.58% | -4.06% | -3.24% | 19.91 | -0.72 | 0.18 | 0.14 | -25.60 | -1587.00% | 704.00% | 35774.00% | -266.88% | -0.23 | -17.91% | 0.98% | -1.60% | 2.13% | -22.01 | -5.99 | 4.79 | -0.61 |
| NMFC | New Mountain Finance Corp… | $7.65 | 771.17M | +795% | -28% | +49% | -60% | 6.06 | 0.70 | 2.23 | 3.10 | — | 0.70 | 83.64% | 37.99% | 4.45% | 10.76% | 6.22% | 4.43% | 0.17 | 1.14 | 0.57 | 0.55 | 0.38 | -8641.00% | 1225.00% | 80236.00% | 45.83% | 1.74 | 17.20% | 0.47% | 2.80% | 205.19% | 6.70 | 2.49 | 2.55 | 0.63 |
| TRIN | Trinity Capital Inc. | $14.79 | 1.12B | +61% | -57% | +73% | -20% | 7.04 | 0.94 | 4.45 | 10.76 | — | 0.94 | 98.22% | 93.07% | 58.39% | 15.30% | 10.60% | 6.89% | 1.20 | 2.68 | 22.79 | 22.15 | 5.98 | -95.00% | -218.00% | 6900.00% | -51.91% | -310.98 | -26.30% | 0.00% | 0.00% | 0.00% | 10.76 | -4.34 | 10.01 | 0.84 |
| WRLD | World Acceptance Corporat… | $134.88 | 679.54M | +144% | -35% | +19% | -18% | 10.00 | 2.04 | 1.59 | 8.57 | 42.42 | 2.11 | 70.04% | 28.06% | 15.89% | 20.78% | 13.06% | 8.70% | 1.20 | 3.71 | 12.55 | 12.55 | 3.13 | 2358.00% | -146.00% | -361.00% | 27.91% | 3.88 | 25.75% | 0.00% | 0.00% | 11.64% | 8.92 | 5.64 | 2.50 | 3.17 |
About Encore Capital Group, Inc.
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 deep 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 early stage collection, business process outsourcing, and contingent collection services, as well as debt servicing and other portfolio management services to credit originator for non-performing loans. The company was incorporated in 1999 and is headquartered in San Diego, California.
- CEO
- Ashish Masih
- Employees
- 7.35K
- Beta
- 1.40
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($29.71 ÷ $83.30) − 1 = -64.33% (DCF, example).