Encore Capital Group, Inc.

NasdaqGS:ECPG Stock Report

Market Cap: US$1.0b

Encore Capital Group Valuation

Is ECPG undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Sales vs Peers

  • Price-To-Sales vs Industry

  • Price-To-Sales vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of ECPG when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate ECPG's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate ECPG's fair value for valuation analysis.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for ECPG?

Key metric: As ECPG is unprofitable we use its Price-To-Sales Ratio for relative valuation analysis.

The above table shows the Price to Sales ratio for ECPG. This is calculated by dividing ECPG's market cap by their current revenue.
What is ECPG's PS Ratio?
PS Ratio0.7x
SalesUS$1.47b
Market CapUS$1.04b

Price to Sales Ratio vs Peers

How does ECPG's PS Ratio compare to its peers?

The above table shows the PS ratio for ECPG vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PSEstimated GrowthMarket Cap
Peer Average1.7x
JCAP Jefferson Capital
2x7.67%US$1.0b
TREE LendingTree
1x5.98%US$1.0b
ATLC Atlanticus Holdings
2.3x50.01%US$1.1b
WRLD World Acceptance
1.6x0.63%US$895.1m
ECPG Encore Capital Group
0.7x10.53%US$1.0b

Price-To-Sales vs Peers: ECPG is good value based on its Price-To-Sales Ratio (0.7x) compared to the peer average (1.7x).

Price to Sales Ratio vs Industry

How does ECPG's PS Ratio compare vs other companies in the US Consumer Finance Industry?

4 CompaniesPrice / SalesEstimated GrowthMarket Cap
ELVT Elevate Credit
0.1x1.02%US$58.83m
AIJT.Y Jianpu Technology
0.1xn/aUS$21.85m
CURO.Q CURO Group Holdings
0.007xn/aUS$1.69m
SUNL.Q Sunlight Financial Holdings
0.002xn/aUS$74.69k
No more companies available in this PS range
ECPG 0.7xIndustry Avg. 1.6xNo. of Companies10PS01.22.43.64.86+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Sales vs Industry: ECPG is good value based on its Price-To-Sales Ratio (0.7x) compared to the US Consumer Finance industry average (1.6x).

Price to Sales Ratio vs Fair Ratio

What is ECPG's PS Ratio compared to its Fair PS Ratio? This is the expected PS Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

ECPG PS Ratio vs Fair Ratio.
Fair Ratio
Current PS Ratio0.7x
Fair PS Ratio3x

Price-To-Sales vs Fair Ratio: ECPG is good value based on its Price-To-Sales Ratio (0.7x) compared to the estimated Fair Price-To-Sales Ratio (3x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst ECPG forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$45.15
US$57.25
+26.80%
3.98%US$61.00US$55.00n/a4
Sep ’26US$41.84
US$57.25
+36.83%
3.98%US$61.00US$55.00n/a4
Aug ’26US$35.97
US$57.25
+59.16%
3.98%US$61.00US$55.00n/a4
Jul ’26US$39.96
US$57.25
+43.27%
3.98%US$61.00US$55.00n/a4
Jun ’26US$37.90
US$57.25
+51.06%
3.98%US$61.00US$55.00n/a4
May ’26US$34.42
US$59.75
+73.59%
7.04%US$66.00US$55.00n/a4
Apr ’26US$35.16
US$59.75
+69.94%
7.04%US$66.00US$55.00n/a4
Mar ’26US$37.72
US$59.75
+58.43%
7.04%US$66.00US$55.00n/a4
Feb ’26US$49.50
US$64.25
+29.80%
2.30%US$66.00US$62.00n/a4
Jan ’26US$47.77
US$64.25
+34.50%
2.30%US$66.00US$62.00n/a4
Dec ’25US$49.19
US$62.25
+26.56%
4.31%US$65.00US$58.00n/a4
Nov ’25US$45.79
US$61.00
+33.22%
3.67%US$64.00US$58.00n/a4
Oct ’25US$46.09
US$60.25
+30.72%
5.55%US$64.00US$55.00n/a4
Sep ’25US$50.08
US$60.25
+20.31%
5.55%US$64.00US$55.00US$41.844
Aug ’25US$48.31
US$61.00
+26.27%
10.50%US$70.00US$52.00US$35.974
Jul ’25US$41.68
US$61.00
+46.35%
10.50%US$70.00US$52.00US$39.964
Jun ’25US$44.24
US$61.00
+37.88%
10.50%US$70.00US$52.00US$37.904
May ’25US$41.78
US$60.75
+45.40%
10.50%US$70.00US$52.00US$34.424
Apr ’25US$43.52
US$60.75
+39.59%
10.50%US$70.00US$52.00US$35.164
Mar ’25US$48.89
US$60.75
+24.26%
10.50%US$70.00US$52.00US$37.724
Feb ’25US$51.26
US$59.00
+15.10%
13.93%US$73.00US$52.00US$49.504
Jan ’25US$50.75
US$59.00
+16.26%
13.93%US$73.00US$52.00US$47.774
Dec ’24US$45.32
US$59.00
+30.19%
13.93%US$73.00US$52.00US$49.194
Nov ’24US$37.43
US$63.25
+68.98%
9.77%US$73.00US$56.00US$45.794
Oct ’24US$47.76
US$63.25
+32.43%
9.77%US$73.00US$56.00US$46.094
Sep ’24US$47.43
US$63.25
+33.35%
9.77%US$73.00US$56.00US$50.084
AnalystPriceTarget
Consensus Narrative from 4 Analysts
US$57.25
Fair Value
21.1% undervalued intrinsic discount
4
Number of Analysts

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

Discover undervalued companies

7D

1Y

7D

1Y

7D

1Y

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/09/21 01:10
End of Day Share Price 2025/09/19 00:00
Earnings2025/06/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Encore Capital Group, Inc. is covered by 15 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Iza RokickaBiuro maklerskie mBanku
Hugh MillerBuckingham Research Group Inc.
David ScharfCitizens JMP Securities, LLC