Encore Capital Group, Inc.
ECPGFinancial ServicesNASDAQCredit Services
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Daily timeframePart of the financial services sector, Encore Capital Group, Inc. (ECPG) is listed under Credit Services. With a market capitalization of $1.71B, it sits in small-cap territory. The company purchases portfolios of defaulted consumer receivables at discounts to face value, as well as manages them by working with individuals as they repay their obligations and works toward financial recovery.
Market Cap
$1.71B
Beta
1.33
P/E (TTM)
6.23
P/E (Fwd)
5.99
EPS (TTM)
$12.84
EPS (Fwd)
$13.36
ROE
32.0%
ROA
8.2%
Cash
$227.2M
Total Debt
$4.04B
Free CF
-$229.5M
52W Change
112.8%
Annual Financials
Cash vs Debt
Encore Capital Group, Inc. carries $4.04B in total debt against $227.2M in cash reserves — debt is roughly 17.8x the cash position. Managing this leverage effectively will be important for long-term financial stability. The company is burning cash, with free cash flow at -$229.5M. This typically occurs when a company is investing aggressively in growth, but sustained cash burn can strain the balance sheet. Return on equity stands at 32.0%, which is exceptionally high for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. An ROA of 8.2% suggests reasonable efficiency in deploying the company's asset base. Revenue has grown from $1.40B (2022) to $1.77B (2025), reflecting a 26% increase over the period.
Debt significantly exceeds cash reserves, which means the company's financial flexibility could be constrained during economic downturns. Negative free cash flow means the company is currently spending more than it generates, which may require future fundraising or debt if the trend continues. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Encore Capital Group, Inc.'s trajectory.