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About the company
Encore Capital Group, Inc. is an international specialty finance company. The Company provides debt recovery solutions and other related services for consumers across a range of financial assets. Through its subsidiaries, the Company purchases portfolios of consumer receivables from banks, credit unions, and utility providers. It primarily purchases portfolios of defaulted consumer receivables at deep discounts to face value and manage them by working with individuals as they repay their obligations and work toward financial recovery. The Company also provide debt servicing and other portfolio management services to credit originators for non-performing loans in Europe. The Company’s debt servicing operations include early-stage collections, business process outsourcing and contingent collections for credit originators. The Company mainly provides debt servicing for consumer accounts, but also provides services for business-to-business accounts.
- Revenue in USD (TTM)1.33bn
- Net income in USD-184.70m
- Incorporated1999
- Employees7.40k
- LocationEncore Capital Group IncSuite 1300, 3111 Camino Del Rio NorthSAN DIEGO 92108United StatesUSA
- Phone+1 (877) 445-4581
- Fax+1 (302) 636-5454
- Websitehttps://www.encorecapital.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| First Community Bankshares Inc | 145.71m | 50.35m | 836.99m | 578.00 | 16.40 | 1.61 | 14.74 | 5.02 | 2.79 | 2.79 | 9.03 | 28.47 | -- | -- | -- | -- | 1.55 | 1.48 | -- | -- | -- | -- | 30.20 | 31.23 | -- | -- | -- | 41.07 | 19.98 | 6.89 | 2.91 | 6.73 | 1.66 | 8.26 |
| Carlyle Secured Lending Inc | 238.92m | 93.71m | 848.61m | 0.00 | 10.03 | 0.9895 | -- | 3.55 | 1.66 | 1.66 | 4.24 | 17.83 | 0.1266 | -- | 7.33 | -- | 5.15 | 3.99 | 5.31 | 4.08 | 48.78 | 50.84 | 40.69 | 39.71 | -- | 9.03 | 0.4835 | 115.32 | 16.58 | 3.09 | 8.09 | 17.81 | -- | -1.60 |
| Central Pacific Financial Corp. | 302.25m | 56.93m | 849.01m | 696.00 | 14.94 | 1.56 | 13.15 | 3.29 | 2.10 | 2.10 | 9.53 | 20.09 | -- | -- | -- | -- | 0.7564 | 0.9013 | -- | -- | -- | -- | 22.04 | 24.79 | -- | -- | -- | 43.89 | 21.49 | 7.35 | -20.64 | 0.249 | 31.44 | 4.87 |
| Copper Property CTL Pass Through Trust | 101.14m | 67.58m | 855.00m | -- | 12.65 | 0.8189 | 9.90 | 8.45 | 0.901 | 0.901 | 1.35 | 13.92 | 0.0836 | -- | 2.65 | -- | 5.58 | -- | 5.77 | -- | 93.70 | -- | 66.81 | -- | -- | -- | 0.00 | -- | -6.29 | -- | -20.97 | -- | -- | -- |
| NB Bancorp Inc | 278.55m | 12.92m | 861.80m | 330.00 | 54.38 | 1.15 | 54.90 | 3.09 | 0.3711 | 0.3711 | 6.82 | 17.50 | 0.0603 | -- | 16.14 | -- | 0.2798 | -- | 1.63 | -- | -- | -- | 4.64 | -- | -- | 1.18 | 0.8477 | -- | 82.84 | -- | -67.32 | -- | -- | -- |
| Eagle Bancorp Inc | 686.57m | -42.10m | 868.29m | 452.00 | -- | 0.7079 | -- | 2.80 | -1.39 | -1.39 | 10.28 | 40.61 | -- | -- | -- | -- | -0.3751 | 1.30 | -- | -- | -- | -- | -13.60 | 39.61 | -- | -- | -- | 29.63 | 47.27 | 9.72 | -28.66 | -7.97 | -45.69 | -- |
| Univest Financial Corp | 406.11m | 73.24m | 898.01m | 979.00 | 12.44 | 1.03 | 11.29 | 3.06 | 2.49 | 2.49 | 9.97 | 30.16 | -- | -- | -- | -- | 0.9136 | 1.12 | -- | -- | -- | -- | 24.93 | 26.79 | -- | -- | -- | 31.39 | 47.40 | 14.31 | -8.98 | 7.33 | 16.61 | 0.9806 |
| Firstsun Capital Bancorp | 453.48m | 83.29m | 1.02bn | 1.15k | 12.09 | 0.9899 | 10.88 | 2.71 | 3.06 | 3.06 | 13.80 | 37.38 | -- | -- | -- | -- | 1.05 | -- | -- | -- | -- | -- | 22.08 | -- | -- | -- | -- | -- | 55.04 | -- | 74.94 | -- | -- | -- |
| Amerant Bancorp Inc | 588.24m | -49.76m | 1.05bn | 682.00 | -- | 1.16 | -- | 3.22 | -1.48 | -1.48 | 9.67 | 21.44 | -- | -- | -- | -- | -0.5135 | 0.6097 | -- | -- | -- | -- | -15.52 | 15.72 | -- | -- | -- | 10.24 | 61.93 | 12.14 | -48.68 | -6.65 | 1.71 | -- |
| Bank First Corp | 201.31m | 82.47m | 1.05bn | 379.00 | 12.95 | 1.67 | 11.50 | 5.43 | 8.10 | 8.10 | 19.06 | 62.82 | -- | -- | -- | -- | 1.98 | 1.58 | -- | -- | -- | -- | 42.89 | 36.98 | -- | -- | -- | 17.56 | 56.59 | 18.55 | 65.07 | 23.82 | 11.21 | 11.08 |
| Encore Capital Group Inc | 1.33bn | -184.70m | 1.14bn | 7.40k | -- | 1.09 | -- | 0.8569 | -7.86 | -7.86 | 54.93 | 44.24 | 0.2723 | -- | 124.98 | 179,476.90 | -3.79 | 3.06 | -3.95 | 3.27 | 79.04 | 80.80 | -13.91 | 10.10 | -- | 1.41 | 0.7721 | -- | -12.56 | -2.14 | -206.13 | -- | -18.14 | -- |
| Foreign Trade Bank of Latin America Inc | 781.57m | 200.77m | 1.24bn | 268.00 | 6.15 | 0.9329 | 6.06 | 4.08 | 5.47 | 5.47 | 8.26 | 36.06 | -- | -- | -- | -- | 1.87 | 1.18 | -- | -- | -- | -- | 66.26 | 61.69 | -- | -- | -- | 46.25 | 104.21 | 21.32 | 80.53 | 71.69 | 25.96 | -8.27 |
| Berkshire Hills Bancorp Inc | 613.92m | 39.90m | 1.31bn | 1.34k | 32.24 | 1.22 | 25.11 | 3.53 | 0.943 | 0.943 | 8.67 | 24.90 | -- | -- | -- | -- | 0.3361 | -0.2125 | -- | -- | -- | -- | 10.79 | -6.25 | -- | -- | -- | -- | 48.82 | 4.35 | -24.79 | -8.46 | -28.48 | -9.31 |
| German American Bancorp Inc | 281.50m | 82.11m | 1.34bn | 840.00 | 16.27 | 1.80 | 14.64 | 5.37 | 2.77 | 2.77 | 8.41 | 25.09 | -- | -- | -- | -- | 1.34 | 1.43 | -- | -- | -- | -- | 32.93 | 33.00 | -- | -- | -- | 31.17 | 17.23 | 13.92 | 4.97 | 13.04 | -17.67 | 10.76 |
| Byline Bancorp Inc | 561.94m | 120.04m | 1.39bn | 1.05k | 11.41 | 1.27 | 10.55 | 3.45 | 2.75 | 2.75 | 9.22 | 24.70 | -- | -- | -- | -- | 1.31 | 1.16 | -- | -- | -- | -- | 29.79 | 24.41 | -- | -- | -- | 11.62 | 59.00 | 18.30 | 22.93 | 22.61 | 8.41 | -- |
Data as of Nov 22 2024. Currency figures normalised to Encore Capital Group Inc's reporting currency: US Dollar USD
65.80%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| BlackRock Fund Advisorsas of 30 Sep 2024 | 3.52m | 14.84% |
| The Vanguard Group, Inc.as of 30 Sep 2024 | 2.53m | 10.68% |
| Turtle Creek Asset Management, Inc.as of 30 Sep 2024 | 2.09m | 8.83% |
| Dimensional Fund Advisors LPas of 30 Sep 2024 | 1.62m | 6.84% |
| Stephens Investment Management Group LLCas of 30 Sep 2024 | 1.14m | 4.80% |
| T. Rowe Price Investment Management, Inc.as of 30 Sep 2024 | 1.09m | 4.60% |
| Broad Run Investment Management LLCas of 30 Sep 2024 | 1.06m | 4.49% |
| BloombergSen, Inc.as of 30 Sep 2024 | 902.49k | 3.81% |
| SSgA Funds Management, Inc.as of 30 Sep 2024 | 900.68k | 3.80% |
| Wellington Management Co. LLPas of 30 Sep 2024 | 739.64k | 3.12% |
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Data from 30 Sep 2024 - 30 Sep 2024Source: FactSet Research Systems Inc.
