NASD · Financial · Credit Services · USA
Encore Capital Group Inc is a mid cap company (market value between $2 billion and $10 billion) in the Credit Services industry.
Encore Capital Group is an international specialty finance company that acquires defaulted consumer debts at steep discounts and recovers them by working with individuals toward repayment. Through Midland Credit Management in the United States and Cabot Credit Management in Europe and the United Kingdom, the company manages these obligations and provides related servicing to credit providers.
From its FY2025 annual report (Form 10-K)
Intrinsic value, DCF valuation, financial health and value investing analysis for the Encore Capital Group Inc stock.
Undervalued: intrinsic value $362.03 per share, market price $99.98, margin of safety 72.4% (as of 2026-10-30).
Discounting its cash flows at 7.0% (average of 3 methods) values the shares at $362.03; the price of $99.98 is 72% below that value, and 83% of that value comes from beyond year five.
Leak Score: 55/100 on 12 of 12 signals (Weak Signal).
17 more funds hold it; the full list is part of the paid plan.
ECPG is undervalued (as of the 2026-10-30 close). Discounting its cash flows at 7.0% (average of 3 methods) values the shares at $362.03; the price of $99.98 is 72% below that value, and 83% of that value comes from beyond year five.
$362.03 per share (as of the 2026-10-30 close), against a market price of $99.98. That is a margin of safety of 72.4%. The value is the average of the valuation methods that apply to this company, recomputed every night after the US close.
55 out of 100, which we rate "Weak Signal", on 12 of 12 value investing signals.