Encore Capital Group, Inc. (ECPG) is a Financial - Mortgages company in the Financial Services sector, currently trading at $79.71. It has a SharesGrow Score of 62/100, indicating a above average investment profile with 3 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of ECPG = $44.46 (-44.2% from the current price, the stock appears overvalued). Analyst consensus target is ECPG = $70 (-12.2% upside).
Valuation: ECPG trades at a trailing Price-to-Earnings (P/E) of 6.5 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 0.75.
Financials: revenue is $1.8B, +9.7%/yr average growth. Net income is $257M, growing at +37%/yr. Net profit margin is 14.6% (healthy). Gross margin is 69% (+14 pp trend).
Balance sheet: total debt is $4.1B against $977M equity (Debt-to-Equity (D/E) ratio 4.23, leveraged). Current ratio is 595.09 (strong liquidity). Debt-to-assets is 77.4%. Total assets: $5.3B.
Analyst outlook: 12 / 15 analysts rate ECPG as buy (80%) — strong consensus.
SharesGrow 7-Criteria breakdown: Value 80/100 (Pass), Growth 83/100 (Pass), Past 50/100 (Partial), Health 33/100 (Fail), Moat 74/100 (Pass), Future 58/100 (Partial), Income 55/100 (Partial).
