Encore Capital Group, Inc. (ECPG) Stock Score, Valuation & Financial Research
Encore Capital Group, Inc. is in the Financial Services sector and Financial - Credit Services industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 56/100.
Quick answer for ECPG
Encore Capital Group, Inc. currently has a Wall Street Score of 56/100. The stored market price is $98.8. Its financial score is 16/100. Its valuation score is 100/100. The latest WSS change is -0.1 points. These figures are a research snapshot, not a buy or sell recommendation.
What Encore Capital Group, Inc. does
Encore Capital Group, Inc. operates as a specialized financial institution, offering global solutions for debt resolution and associated support services to individual consumers holding diverse financial assets. The company acquires portfolios of consumer debts that are in default, often at substantial discounts from their original value. It then oversees these accounts by engaging with individuals to assist them in fulfilling their repayment responsibilities and working towards their financial recovery. Additionally, Encore Capital Group provides a range of services including initial collection efforts, business process outsourcing, performance-based collection, loan servicing, and various other portfolio administration services to lenders grappling with non-performing loans. The enterprise was established in 1999 and its main offices are situated in San Diego, California.
ECPG financial snapshot
- Wall Street Score:
- 56/100
- Current price:
- $98.8
- Market capitalization:
- $2.12B
- Revenue:
- $1.90B
- Net income:
- $301.6M
- Free cash flow:
- $126.9M
- Cash:
- $182.9M
- Total debt:
- $4.87B
- EPS:
- 13.59
- P/E ratio:
- 7.3x
- Financial score:
- 16/100
- Valuation score:
- 100/100
- Revenue score:
- 54/100
What stands out
- Reported year-over-year revenue growth is +0.1%.
- Free cash flow is $126.9M, showing positive cash generation.
- The balance sheet shows $182.9M of cash versus $4.87B of total debt, so leverage deserves attention.
- The latest Wall Street Score change is -0.1 points: ECPG decreased 0.1 points because some fundamentals weakened.
What the numbers mean
Its current valuation score is 100/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 16/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-07.
How to research ECPG
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.