Encore Capital Group, Inc.
ECPGFinancial ServicesNASDAQCredit Services
Scan Results
Daily timeframeEncore Capital Group, Inc., a specialty finance company, provides debt recovery solutions and other related services for consumers across financial assets worldwide. With a market capitalization of $1.96B, 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
$1.96B
Beta
1.27
P/E (TTM)
7.19
P/E (Fwd)
6.84
EPS (TTM)
$12.71
EPS (Fwd)
$13.36
ROE
32.0%
ROA
8.2%
Cash
$227.2M
Total Debt
$4.04B
Free CF
-$229.5M
52W Change
135.9%
Annual Financials
Cash vs Debt
The company holds $227.2M in cash, though total debt stands at $4.04B. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. 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.
Encore Capital Group, Inc. carries a heavier debt load relative to its cash position, which introduces financial risk that investors should weigh. The company is burning cash at the operating level, which is not unusual for growth-phase companies but adds risk if it persists. No single metric tells the full story. Reviewing ECPG's risk profile alongside its fundamentals and technical indicators provides a more complete picture.