Encore Capital Group, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Encore Capital Group, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Tangible Net Worth Ratio: Of every $100 of net worth, $45 is tangible; the rest is goodwill and other intangibles, often from buying other companies. Less tangible than 85% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 2/3Sales grew in 2 of the last 3 years; profit grew in 2 of 3.
Steadier than 53% of Financial Services companies in United States.
Growth Efficiency Ratio
$17Sales grew 26% in 3 years; of every extra $100 of sales, $17 became extra profit.
Lower than 59% of Financial Services companies in United States.
Asset Productivity Ratio
+26% / +18%In 3 years sales changed by +26% while total assets changed by +18%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
90%Of every $100 the company owns, $90 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 82% of Financial Services companies in United States.
Tangible Net Worth Ratio
45%Of every $100 of net worth, $45 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 85% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Encore Capital Group, Inc. owes $0.81 for every $1 it owns. Encore Capital Group, Inc. returned to profit in the year to Dec 2025, after a loss the year before.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
7.6Investors pay $7.6 for every $1 of Encore Capital Group, Inc.'s yearly profit, lower than 89% of Financial Services companies in United States.
P/B ratio
1.97The share price is 1.97 times Encore Capital Group, Inc.'s book value per share, higher than 79% of Financial Services companies in United States.
Market cap
$2.1 BThe total market value of all of Encore Capital Group, Inc.'s shares at today's price (share price × number of shares), larger than 68% of Financial Services companies in United States. PosiCap size class: Meso Cap.
Net worth (book value)
$1.1 BWhat Encore Capital Group, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$50.86Net worth divided by the number of shares. The share price of $100.36 is 2.0 times this, which is the P/B above.
Return on equity (ROE)
30.5%Encore Capital Group, Inc. earned 30.5% on its shareholders' money over the last year, higher than 93% of Financial Services companies in United States.
Owes vs Owns
0.81×Encore Capital Group, Inc. owes $0.81 for every $1 it owns (high), lower than 52% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
NoneEncore Capital Group, Inc. does not currently pay a dividend.
Revenue growth
+34%Revenue rose 34% in the year to Dec 2025, and grew 8% a year on average over 3 years.
Profit growth
Back to profitEncore Capital Group, Inc. returned to profit in the year to Dec 2025, after a loss the year before.
Profit margin
14.5%Encore Capital Group, Inc. keeps $15 of every $100 of revenue as net profit.
Questions
What is Encore Capital Group, Inc.'s P/E ratio?
Investors pay $7.6 for every $1 of Encore Capital Group, Inc.'s yearly profit, lower than 89% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Encore Capital Group, Inc.: $2.1 B ÷ $1.1 B (30 Jun 2026) = 2.0.
What is Encore Capital Group, Inc.'s return on equity?
Encore Capital Group, Inc. earned 30.5% on its shareholders' money over the last year, higher than 93% of Financial Services companies in United States.
How much does Encore Capital Group, Inc. owe compared with what it owns?
Encore Capital Group, Inc. owes $0.81 for every $1 it owns (high), lower than 52% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Encore Capital Group, Inc. pay a dividend?
No. Encore Capital Group, Inc. does not currently pay a dividend.
Is Encore Capital Group, Inc.'s revenue growing?
Revenue rose 34% in the year to Dec 2025, and grew 8% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.