Encore Capital Group, Inc. (ECPG)
ValueMarkers Composite Index
44% below intrinsic value ($134)
Encore Capital Group, Inc. (ECPG) — VMCI valuation read
Composite valuation read on ECPG: VMCI 57/100 against a Financial Services sector median of 50. The 7-point above-median print is the headline number for Encore Capital Group, Inc., and at the mid-cap tier it reflects how the five pillars combine into a single decision-grade score.
Trailing 30-day insider activity for ECPG: nothing material on SEC EDGAR. With the Form 4 channel quiet, the price-vs-DCF gap and the trailing margin trend carry more weight in the active read.
**Investor frame.** Value, quality, risk in three lines on ECPG: ECPG trades at 21.0x earnings, 17% above the Financial Services median of 18.0x; ROIC of 17.0% sits 7.0pp above the Financial Services median (10.0%); net debt to EBITDA of 1.3x leaves covenant headroom. EV/EBITDA at 14.0x versus 12.0x for Financial Services closes the value frame.
ECPG fell 3.4% over the trailing 7 days, with a -19.1% read on a 30-day basis.
Encore Capital Group, Inc., a specialty finance company, provides debt recovery solutions and other related services for consumers across financial assets worldwide. The company purchases portfolios of defaulted consumer receivables at deep discounts to face value, as well as manages them by working with individuals as they repay their obligations and works toward financial recovery. It is also involved in the provision of early stage collection, business process outsourcing, and contingent collection services, as well as debt servicing and other portfolio management services to credit originator for non-performing loans. The company was incorporated in 1999 and is headquartered in San Diego, California.
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