ScoreComparison
Why is Encore Capital Group, Inc. ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 14.42%
2
With a growth in Net Sales of 3.27%, the company declared Very Positive results in Sep 25
- RAW MATERIAL COST(Y) Fallen by 0.04% (YoY)
- NET SALES(Q) Highest at USD 458.57 MM
- PRE-TAX PROFIT(Q) Highest at USD 100.03 MM
3
With ROE of 9.34%, it has a attractive valuation with a 1.49 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 100.65%, its profits have risen by 16.6% ; the PEG ratio of the company is 1
4
High Institutional Holdings at 100%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Market Beating Performance
- The stock has generated a return of 100.65% in the last 1 year, much higher than market (S&P 500) returns of 14.90%
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Encore Capital Group, Inc. should be less than 10%
- Overall Portfolio exposure to Finance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Encore Capital Group, Inc. for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Encore Capital Group, Inc.
101.67%
1.29
49.15%
S&P 500
16.12%
0.77
19.29%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
1.00%
EBIT Growth (5y)
-2.38%
EBIT to Interest (avg)
2.69
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
74.63%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
47.27%
ROE (avg)
14.42%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
16
Industry P/E
Price to Book Value
1.49
EV to EBIT
2.99
EV to EBITDA
2.78
EV to Capital Employed
1.60
EV to Sales
0.82
PEG Ratio
0.96
Dividend Yield
NA
ROCE (Latest)
53.65%
ROE (Latest)
9.34%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend21What is working for the Company
RAW MATERIAL COST(Y)
Fallen by 0.04% (YoY
NET SALES(Q)
Highest at USD 458.57 MM
PRE-TAX PROFIT(Q)
Highest at USD 100.03 MM
NET PROFIT(Q)
Highest at USD 74.78 MM
EPS(Q)
Highest at USD 3.17
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 159.92 MM
DEBTORS TURNOVER RATIO(HY)
Lowest at 64.68 times
Here's what is working for Encore Capital Group, Inc.
Pre-Tax Profit
At USD 100.03 MM has Grown at 285.57%
over average net sales of the previous four periods of USD 25.94 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 74.78 MM has Grown at 564.53%
over average net sales of the previous four periods of USD 11.25 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Net Sales
Highest at USD 458.57 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Net Sales
At USD 458.57 MM has Grown at 24.75%
over average net sales of the previous four periods of USD 367.59 MMMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Pre-Tax Profit
Highest at USD 100.03 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 74.78 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 3.17
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Raw Material Cost
Fallen by 0.04% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for Encore Capital Group, Inc.
Operating Cash Flow
Lowest at USD 159.92 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Debtors Turnover Ratio
Lowest at 64.68 times
in the last five Semi-Annual periodsMOJO Watch
Company's pace of selling Debtors has slowed
Debtors Turnover Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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