ECPG:NSD-Encore Capital Group Inc (USD)

COMMON STOCK | Mortgage Finance |

Last Closing

USD 49.05

Change

-0.12 (-0.24)%

Market Cap

USD 1.14B

Volume

0.15M

Analyst Target

USD 51.50
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

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. In addition, the company engages in debt servicing and other portfolio management services to credit originator for non-performing loans. Further, it offers credit management services. Encore Capital Group, Inc. was incorporated in 1999 and is headquartered in San Diego, California.

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2024-09-18 )

Largest Industry Peers for Mortgage Finance

Symbol Name Price(Change) Market Cap
COOP Mr. Cooper Group Inc

-0.87 (-0.92%)

USD 6.10B
SNFCA Security National Financial

-0.02 (-0.23%)

USD 0.21B
BETRW Better Home & Finance Holding ..

+0.02 (+37.70%)

N/A

ETFs Containing ECPG

N/A

Market Performance

  Market Performance vs. Industry/Classification (Mortgage Finance) Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -3.35% 50% F 44% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -3.35% 50% F 43% F
Trailing 12 Months  
Capital Gain 3.83% 50% F 50% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 3.83% 50% F 47% F
Trailing 5 Years  
Capital Gain 43.88% 33% F 71% C-
Dividend Return N/A N/A N/A N/A N/A
Total Return 43.88% 33% F 68% D+
Average Annual (5 Year Horizon)  
Capital Gain 12.30% 50% F 70% C-
Dividend Return 12.30% 50% F 68% D+
Total Return N/A N/A N/A N/A N/A
Risk Return Profile  
Volatility (Standard Deviation) 33.84% 50% F 55% F
Risk Adjusted Return 36.34% 50% F 68% D+
Market Capitalization 1.14B 67% D+ 73% C

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Positive free cash flow

The company had positive total free cash flow in the most recent four quarters.

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector