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

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
14.11K 14.11K 1.05 0.95 0.78
Quick Ratio
14.11K 14.11K 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
$ 165.27M$ 165.27M$ -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
2.47 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)
9.30%9.26%3.45%0.37%6.71%
Return on Tangible Assets
5.35%5.35%-3.25%-5.13%5.31%
Earnings Yield
15.58%20.34%-12.21%-17.19%16.81%
Efficiency Ratios
Receivables Turnover
0.40 0.40 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
21.55 21.47 9.49 7.15 7.60
Asset Turnover
0.33 0.33 0.27 0.26 0.31
Working Capital Turnover Ratio
0.98 0.78 1.21K -35.90 -5.15
Cash Conversion Cycle
902.08 905.30 938.53 -94.74 4.20
Days of Sales Outstanding
902.08 905.30 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
902.08 905.30 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
7.72%10.05%11.15%8.43%11.59%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
6.42 4.92 -8.19 -5.82 5.95
Price-to-Sales (P/S) Ratio
0.93 0.72 0.87 0.98 0.83
Price-to-Book (P/B) Ratio
1.69 1.29 1.49 1.28 0.98
Price-to-Free Cash Flow (P/FCF) Ratio
12.96 9.95 8.97 11.86 8.63
Price-to-Operating Cash Flow Ratio
10.76 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
1.69 1.29 1.49 1.28 0.98
Enterprise Value Multiple
8.64 8.03 26.51 68.84 7.66
Enterprise Value
5.62B 5.24B 4.61B 4.36B 3.91B
EV to EBITDA
8.64 8.03 26.51 68.84 7.66
EV to Sales
3.18 2.97 3.50 3.57 2.80
EV to Free Cash Flow
44.28 41.27 36.28 43.06 29.17
EV to Operating Cash Flow
36.69 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