- ISIN
- US2925541029
- CUSIP
- 292554102
- Sector
- Financial Services
- Industry
- Mortgage Finance
- IPO Date
- Jun 30, 1999
Highlights
- Market Cap
- $1.87B
- Enterprise Value
- $1.65B
- EPS (TTM)
- $12.85
- PE Ratio
- 6.53
- PEG Ratio
- 0.25
- Total Revenue (TTM)
- $1.85B
- Gross Profit (TTM)
- $1.38B
- EBITDA (TTM)
- $510.14M
- Year Range
- $35.68 - $92.64
- Target Price
- $85.00
- ROA (TTM)
- 5.44%
- ROE (TTM)
- 28.63%
Share Price Chart
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Performance
ECPG Performance Chart
Encore Capital Group, Inc. (ECPG) is up 54.5% since the beginning of the year. At $84 per share, ECPG is trading 9.4% below its 52-week high of $93. Investors who bought $1,000 worth of ECPG shares 5 years ago would now be looking at an investment worth $1,756.
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Returns By Period
Encore Capital Group, Inc. (ECPG) has returned 54.46% so far this year and 117.49% over the past 12 months. Over the last ten years, ECPG has had an annualized return of 13.70%, just under the S&P 500 Index benchmark’s 13.88%.
Encore Capital Group, Inc.
- 1D
- 1.08%
- 1M
- 4.68%
- YTD
- 54.46%
- 6M
- 51.97%
- 1Y
- 117.49%
- 3Y*
- 21.41%
- 5Y*
- 11.92%
- 10Y*
- 13.70%
Benchmark (S&P 500 Index)
- 1D
- -0.37%
- 1M
- -0.01%
- YTD
- 9.16%
- 6M
- 8.64%
- 1Y
- 25.22%
- 3Y*
- 19.78%
- 5Y*
- 11.99%
- 10Y*
- 13.88%
ECPG Monthly Returns History
Based on dividend-adjusted daily data since Jul 9, 1999, ECPG's average daily return is +0.13%, while the average monthly return is +2.57%. At this rate, an investment would double in approximately 2.3 years.
Historically, 51% of months were positive and 49% were negative. The best month was Apr 2003 with a return of +205.9%, while the worst month was May 2000 at -44.8%. The longest winning streak lasted 9 consecutive months, and the longest losing streak was 8 months.
On a daily basis, ECPG closed higher 46% of trading days. The best single day was Apr 5, 2001 with a return of +84.1%, while the worst single day was Mar 18, 2020 at -38.7%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 1.56% | 23.71% | 2.68% | 18.04% | -3.43% | 5.03% | 54.46% | ||||||
| 2025 | 3.62% | -23.81% | -9.11% | 0.35% | 10.17% | 2.14% | -4.73% | 13.45% | -0.24% | -0.38% | 24.80% | 4.74% | 13.77% |
| 2024 | -1.32% | -4.15% | -4.98% | -9.91% | 7.67% | -5.67% | 21.14% | -0.93% | -5.61% | -3.36% | 7.68% | -2.89% | -5.87% |
| 2023 | 16.23% | -7.25% | -2.38% | 1.84% | -16.17% | 12.89% | 10.04% | -12.41% | 1.92% | -21.11% | 18.90% | 13.28% | 5.86% |
| 2022 | 3.85% | 2.31% | -4.94% | -7.84% | 5.71% | -5.47% | 25.38% | -24.51% | -16.83% | 11.96% | -1.02% | -4.88% | -22.81% |
| 2021 | -23.75% | 12.53% | 20.38% | -2.21% | 17.67% | 2.38% | -0.11% | 3.95% | 0.12% | 9.64% | 8.00% | 6.46% | 59.46% |
Benchmark Metrics
Encore Capital Group, Inc. has an annualized alpha of 29.79%, beta of 0.97, and R2 of 0.07 versus S&P 500 Index. Calculated based on daily prices since July 09, 1999.
- This stock captured 171.80% of S&P 500 Index gains and 142.10% of its losses - amplifying both gains and losses, but participating more in upside than downside.
- R2 of 0.07 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- 29.79%
- Beta
- 0.97
- R²
- 0.07
- Upside Capture
- 171.80%
- Downside Capture
- 142.10%
Return for Risk
Risk / Return Rank
ECPG ranks 96 for risk / return — in the top 96% of stocks on our site. This means strong returns relative to risk — exactly what professional investors look for. Well-suited for investors who want to maximize return per unit of risk.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for Encore Capital Group, Inc. (ECPG) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| ECPG | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.42 | ||
| Sortino ratioReturn per unit of downside risk | +1.31 | ||
| Omega ratioGain probability vs. loss probability | 1.52 | 1.37 | +0.15 |
| Calmar ratioReturn relative to maximum drawdown | 9.36 | 2.78 | +6.57 |
| Martin ratioReturn relative to average drawdown | 26.20 | 12.44 | +13.76 |
Dividends
Dividend History
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the Encore Capital Group, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Encore Capital Group, Inc. was 97.86%, occurring on Dec 14, 2000. Recovery took 624 trading sessions.
The current Encore Capital Group, Inc. drawdown is 0.54%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
Dot-com crash2000–2002 | -97.86%Dec 2000 | 1y 5mo | 2y 6mo | 3y 11moJul 1999 - Jun 2003 |
Financial crisis2007–2009 | -88.48%Mar 2009 | 4y 3mo | 1y 11mo | 6y 2moDec 2004 - Feb 2011 |
2016 bear market2016 | -67.51%Jan 2016 | 1y 11mo | 5y 8mo | 7y 7moFeb 2014 - Oct 2021 |
2025 selloff2025 | -62.54%Apr 2025 | 2y 8mo | 11mo | 3y 7moAug 2022 - Mar 2026 |
2011 bear market2011 | -41.61%Aug 2011 | 2mo 22d | 1y 8mo | 1y 11moJun 2011 - May 2013 |
Drawdown Indicators
| ECPG | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -97.86% | -56.78% | -41.08% |
Max Drawdown (1Y)Largest decline over 1 year | -12.63% | -9.10% | -3.53% |
Max Drawdown (3Y)Largest decline over 3 years | -49.94% | -18.90% | -31.04% |
Max Drawdown (5Y)Largest decline over 5 years | -62.54% | -25.43% | -37.11% |
Max Drawdown (10Y)Largest decline over 10 years | -65.70% | -33.92% | -31.78% |
Current DrawdownCurrent decline from peak | -0.54% | -1.80% | +1.26% |
Average DrawdownAverage peak-to-trough decline | -37.51% | -10.71% | -26.80% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 4.50% | 2.03% | +2.47% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of Encore Capital Group, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Valuation
The Valuation section provides an overview of how Encore Capital Group, Inc. is priced in the market compared to other companies in the Mortgage Finance industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for ECPG, comparing it with other companies in the Mortgage Finance industry. Currently, ECPG has a P/E ratio of 6.5. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for ECPG compared to other companies in the Mortgage Finance industry. ECPG currently has a PEG ratio of 0.3. This PEG ratio is close to the industry average, suggesting the stock’s valuation is balanced against its growth outlook.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for ECPG relative to other companies in the Mortgage Finance industry. Currently, ECPG has a P/S ratio of 1.0. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for ECPG in comparison with other companies in the Mortgage Finance industry. Currently, ECPG has a P/B value of 1.8. This P/B ratio is higher than most companies in the industry. It may suggest the stock is overvalued or that investors expect the company to generate high returns on its assets.
Income Statement
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Total Revenue | — |
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Income | — |
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Operating Income | — |
EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
Other Items | — |
Interest Income | — |
Interest Expense | — |
Net Interest Income | — |
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