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Encore Capital Group Inc (ECPG)
NASDAQ:ECPG
US Market
ECPG
Encore Capital
RESEARCH TOOLSreports

Encore Capital (ECPG) Ratios

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Encore Capital Ratios

ECPG's free cash flow for Q4 2025 was $0.93. For the 2025 fiscal year, ECPG's free cash flow was decreased by $ and operating cash flow was $0.37. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 595.09 595.09 1.05 0.95 0.78
Quick Ratio
 595.09 595.09 1.05 0.95 0.78
Cash Ratio
 488.42 488.42 0.86 0.72 0.54
Solvency Ratio
 0.07 0.07 -0.03 -0.04 0.07
Operating Cash Flow Ratio
 477.26 477.26 0.67 0.70 0.79
Short-Term Operating Cash Flow Coverage
 477.26 477.26 0.00 5.22 3.08
Net Current Asset Value
$ -4.17B$ -4.17B$ -3.78B$ -3.48B$ -3.12B
Leverage Ratios
Debt-to-Assets Ratio
 0.77 0.77 0.77 0.72 0.64
Debt-to-Equity Ratio
 4.23 4.23 4.79 3.54 2.46
Debt-to-Capital Ratio
 0.81 0.81 0.83 0.78 0.71
Long-Term Debt-to-Capital Ratio
 0.81 0.81 0.83 0.78 0.71
Financial Leverage Ratio
 5.47 5.47 6.24 4.94 3.82
Debt Service Coverage Ratio
 2.01 1.99 0.52 0.16 1.78
Interest Coverage Ratio
 2.21 2.17 0.62 0.08 3.01
Debt to Market Cap
 2.29 3.22 3.22 2.76 2.50
Interest Debt Per Share
 197.60 190.23 164.42 148.71 126.42
Net Debt to EBITDA
 6.11 6.09 19.96 49.88 5.39
Profitability Margins
Gross Profit Margin
74.09%68.98%45.85%46.72%55.04%
EBIT Margin
35.15%35.39%10.75%1.77%33.20%
EBITDA Margin
36.78%37.02%13.22%5.18%36.52%
Operating Profit Margin
35.43%35.38%11.95%1.35%33.05%
Pretax Profit Margin
19.00%19.07%-7.31%-14.74%22.24%
Net Profit Margin
14.52%14.57%-10.58%-16.89%13.91%
Continuous Operations Profit Margin
14.52%14.57%-10.58%-16.89%13.91%
Net Income Per EBT
76.40%76.40%144.72%114.55%62.56%
EBT Per EBIT
53.64%53.91%-61.15%-1090.20%67.29%
Return on Assets (ROA)
4.81%4.81%-2.91%-4.46%4.32%
Return on Equity (ROE)
28.19%26.29%-18.15%-22.05%16.49%
Return on Capital Employed (ROCE)
11.74%11.68%3.45%0.37%10.90%
Return on Invested Capital (ROIC)
8.97%8.92%3.45%0.37%6.71%
Return on Tangible Assets
5.35%5.35%-3.25%-5.13%5.31%
Earnings Yield
14.61%20.34%-12.21%-17.19%16.81%
Efficiency Ratios
Receivables Turnover
 51.66 51.47 0.35 134.66 86.89
Payables Turnover
 0.00 0.00 3.36 3.75 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 12.75 12.71 9.49 7.15 7.60
Asset Turnover
 0.33 0.33 0.27 0.26 0.31
Working Capital Turnover Ratio
 -4.75 17.36 1.21K -35.90 -5.15
Cash Conversion Cycle
 7.07 7.09 938.53 -94.74 4.20
Days of Sales Outstanding
 7.07 7.09 1.05K 2.71 4.20
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 108.58 97.45 0.00
Operating Cycle
 7.07 7.09 1.05K 2.71 4.20
Cash Flow Ratios
Operating Cash Flow Per Share
 6.86 6.59 6.54 6.46 8.73
Free Cash Flow Per Share
 5.68 5.46 5.33 4.28 5.56
CapEx Per Share
 1.18 1.13 1.22 2.18 3.17
Free Cash Flow to Operating Cash Flow
 0.83 0.83 0.81 0.66 0.64
Dividend Paid and CapEx Coverage Ratio
 5.83 5.83 5.38 2.96 2.75
Capital Expenditure Coverage Ratio
 5.83 5.83 5.38 2.96 2.75
Operating Cash Flow Coverage Ratio
 0.04 0.04 0.04 0.05 0.07
Operating Cash Flow to Sales Ratio
 0.09 0.09 0.12 0.13 0.15
Free Cash Flow Yield
7.23%10.05%11.15%8.43%11.59%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 6.94 4.92 -8.19 -5.82 5.95
Price-to-Sales (P/S) Ratio
 1.01 0.72 0.87 0.98 0.83
Price-to-Book (P/B) Ratio
 1.82 1.29 1.49 1.28 0.98
Price-to-Free Cash Flow (P/FCF) Ratio
 14.01 9.95 8.97 11.86 8.63
Price-to-Operating Cash Flow Ratio
 11.63 8.24 7.30 7.85 5.49
Price-to-Earnings Growth (PEG) Ratio
 <0.01 -0.02 0.25 0.03 -0.19
Price-to-Fair Value
 1.82 1.29 1.49 1.28 0.98
Enterprise Value Multiple
 8.84 8.03 26.51 68.84 7.66
Enterprise Value
 5.73B 5.24B 4.61B 4.36B 3.91B
EV to EBITDA
 8.81 8.03 26.51 68.84 7.66
EV to Sales
 3.24 2.97 3.50 3.57 2.80
EV to Free Cash Flow
 45.15 41.27 36.28 43.06 29.17
EV to Operating Cash Flow
 37.41 34.19 29.54 28.50 18.57
Tangible Book Value Per Share
 19.71 18.96 10.87 13.94 13.93
Shareholders’ Equity Per Share
 43.71 42.04 32.14 39.57 48.86
Tax and Other Ratios
Effective Tax Rate
 0.24 0.24 -0.45 -0.15 0.37
Revenue Per Share
 79.16 75.86 55.14 51.66 57.92
Net Income Per Share
 11.49 11.05 -5.83 -8.72 8.06
Tax Burden
 0.76 0.76 1.45 1.15 0.63
Interest Burden
 0.54 0.54 -0.68 -8.34 0.67
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.09 0.09 0.12 0.12 0.10
Stock-Based Compensation to Revenue
 0.01 0.01 0.01 0.01 0.01
Income Quality
 0.60 0.60 -1.12 -0.74 1.08
Currency in USD