Encore Capital Group, Inc.

How big is Encore Capital Group, Inc.?

As of Jun 18, Encore Capital Group, Inc. has a market capitalization of 891.01 million and reported net sales of 1,381.84 million, with a net profit loss of 115.69 million. Shareholder's funds are at 767.33 million, and total assets amount to 4,789.73 million.

As of Jun 18, Encore Capital Group, Inc. has a market capitalization of 891.01 million, categorizing it as a Micro Cap company.<BR><BR>As of Jun 18, the company reported net sales of 1,381.84 million for the latest four quarters. However, it also experienced a net profit loss of 115.69 million during the same period.<BR><BR>As of Dec 24, the reporting period for the balance sheet shows shareholder's funds at 767.33 million and total assets amounting to 4,789.73 million.

What does Encore Capital Group, Inc. do?

Encore Capital Group, Inc. is a specialty finance company focused on debt recovery solutions, with a market cap of approximately $891 million. As of March 2025, it reported net sales of $392 million and a net profit of $47 million.

Overview: <BR>Encore Capital Group, Inc. is a specialty finance company providing debt recovery solutions for consumers and property owners, operating within the finance industry and classified as a micro-cap company.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 392 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 47 Million (Quarterly Results - Mar 2025) <BR>Market-cap: USD 891.01 Million (Micro Cap)<BR><BR>Key Metrics: <BR>P/E: 47.00 <BR>Dividend Yield: 0.00% <BR>Debt Equity: -999,999.00 <BR>Return on Equity: 2.33% <BR>Price to Book: 1.09<BR><BR>Contact Details: <BR>Address: 350 Camino De La Reina, Suite 100, SAN DIEGO CA: 92108 <BR>Tel: ['1 877 4454581', '1 858 3096442'] <BR>Fax: 1 302 6365454 <BR>Website: https://www.encorecapital.com/

Should I buy, sell or hold Encore Capital Group, Inc.?

Who are in the management team of Encore Capital Group, Inc.?

As of March 2022, the management team of Encore Capital Group, Inc. includes Non-Executive Independent Chairman Michael Monaco, President and CEO Ashish Masih, and Independent Directors Ashwini Gupta, Wendy Hannam, Jeffrey Hilzinger, and Angela Knight. They oversee the company's operations and strategic direction.

As of March 2022, the management team of Encore Capital Group, Inc. includes the following individuals:<BR><BR>- Mr. Michael Monaco, who serves as the Non-Executive Independent Chairman of the Board.<BR>- Mr. Ashish Masih, who is the President, Chief Executive Officer, and a Director.<BR>- Mr. Ashwini Gupta, who is an Independent Director.<BR>- Ms. Wendy Hannam, who is also an Independent Director.<BR>- Mr. Jeffrey Hilzinger, serving as an Independent Director.<BR>- Ms. Angela Knight, who holds the position of Independent Director.<BR><BR>This team is responsible for overseeing the company's operations and strategic direction.

Is Encore Capital Group, Inc. overvalued or undervalued?

As of November 1, 2023, Encore Capital Group is considered overvalued and risky due to its high P/E ratio of 47 compared to peers, significant premium in EV to EBITDA, and underperformance against the S&P 500 with a year-to-date return of -3.52%.

As of 1 November 2023, Encore Capital Group, Inc. has moved from an expensive to a risky valuation grade. The company appears to be overvalued, given its high P/E ratio of 47 compared to peers like Nelnet, Inc. at 11.39 and Enova International, Inc. at 14.65. Additionally, Encore's EV to EBITDA stands at 1.95, which is significantly higher than the industry average, indicating a premium valuation that may not be justified by its financial performance.<BR><BR>In terms of returns, Encore Capital Group has underperformed against the S&P 500 over multiple periods, with a year-to-date return of -3.52% compared to the S&P 500's 12.22%. This trend continues over longer periods, with a 3-year return of -7.69% versus the S&P 500's 70.41%. These figures suggest that the market may be pricing in risks that are not adequately reflected in the company's current valuation ratios.

Is Encore Capital Group, Inc. technically bullish or bearish?

As of October 3, 2025, Encore Capital Group, Inc. shows a mildly bullish trend with mixed technical indicators, underperforming the S&P 500 with year-to-date and one-year returns of -14.95% and -10.53%, respectively.

As of 3 October 2025, the technical trend for Encore Capital Group, Inc. has changed from bullish to mildly bullish. The weekly MACD is bullish, while the monthly MACD is mildly bullish. The daily moving averages also indicate a mildly bullish stance. However, the Bollinger Bands show a mixed signal with a mildly bullish weekly outlook and a bearish monthly outlook. The Dow Theory presents a mildly bearish weekly perspective alongside a mildly bullish monthly view. Overall, the strength of the bullish signal is tempered by mixed indicators.<BR><BR>In terms of performance, Encore Capital has underperformed the S&P 500 across multiple periods, with a year-to-date return of -14.95% compared to the S&P's 14.18%, and a 1-year return of -10.53% against the S&P's 17.82%.