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Encore Capital Group Inc is an international specialty finance company. It provides debt recovery solutions for consumers and property owners across a broad range of financial assets. The company purchases portfolios of defaulted consumer receivables at deep discounts to face value and manages them by working with individuals as the consumers repay their obligations and work toward financial recovery. Encore has only a reportable segment portfolio purchasing and recovery.
1999
7.3K+
LTM Revenue $1.4B
LTM EBITDA $325M
$4.5B
Benchmark forward-looking revenue and EBITDA valuation multiples across generative AI, climate tech, semiconductors, online marketplaces, vertical SaaS and 220 more verticals.
Encore Capital Group has a last 12-month revenue (LTM) of $1.4B and a last 12-month EBITDA of $325M.
In the most recent fiscal year, Encore Capital Group achieved revenue of $1.3B and an EBITDA of $174M.
Encore Capital Group expects next 12-month revenue of XXX and NTM EBITDA of XXX
See Encore Capital Group valuation multiples based on analyst estimates| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue | $1.4B | XXX | $1.3B | XXX | XXX | XXX |
| Gross Profit | $1.4B | XXX | $604M | XXX | XXX | XXX |
| Gross Margin | 100% | XXX | 46% | XXX | XXX | XXX |
| EBITDA | $325M | XXX | $174M | XXX | XXX | XXX |
| EBITDA Margin | 23% | XXX | 13% | XXX | XXX | XXX |
| EBIT | $296M | XXX | $276M | XXX | XXX | XXX |
| EBIT Margin | 21% | XXX | 21% | XXX | XXX | XXX |
| Net Profit | -$14.2M | XXX | -$139M | XXX | XXX | XXX |
| Net Margin | -1% | XXX | -11% | XXX | XXX | XXX |
| Net Debt | XXX | XXX | $3.5B | XXX | XXX | XXX |
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As of May 30, 2025, Encore Capital Group's stock price is $38.
Encore Capital Group has current market cap of $884M, and EV of $4.5B.
See Encore Capital Group trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $4.5B | $884M | XXX | XXX | XXX | XXX | $-0.62 |
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Start Free TrialAs of May 30, 2025, Encore Capital Group has market cap of $884M and EV of $4.5B.
Encore Capital Group's trades at 3.4x EV/Revenue multiple, and 25.8x EV/EBITDA.
Equity research analysts estimate Encore Capital Group's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
Encore Capital Group has a P/E ratio of -62.1x.
See valuation multiples for Encore Capital Group and 12K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $884M | XXX | $884M | XXX | XXX | XXX |
| EV (current) | $4.5B | XXX | $4.5B | XXX | XXX | XXX |
| EV/Revenue | 3.2x | XXX | 3.4x | XXX | XXX | XXX |
| EV/EBITDA | 13.8x | XXX | 25.8x | XXX | XXX | XXX |
| EV/EBIT | 15.2x | XXX | 16.2x | XXX | XXX | XXX |
| EV/Gross Profit | 3.2x | XXX | n/a | XXX | XXX | XXX |
| P/E | -62.1x | XXX | -6.4x | XXX | XXX | XXX |
| EV/FCF | -18.5x | XXX | 35.4x | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Start Free TrialEncore Capital Group's last 12 month revenue growth is 15%
Encore Capital Group's revenue per employee in the last FY averaged $0.2M, while opex per employee averaged $45K for the same period.
Encore Capital Group's rule of 40 is 18% (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
Encore Capital Group's rule of X is 59% (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
See operational valuation multiples for Encore Capital Group and other 12K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 15% | XXX | 14% | XXX | XXX | XXX |
| EBITDA Margin | 23% | XXX | 13% | XXX | XXX | XXX |
| EBITDA Growth | 67% | XXX | 228% | XXX | XXX | XXX |
| Rule of 40 | 18% | XXX | 28% | XXX | XXX | XXX |
| Bessemer Rule of X | XXX | XXX | 59% | XXX | XXX | XXX |
| Revenue per Employee | XXX | XXX | $0.2M | XXX | XXX | XXX |
| Opex per Employee | XXX | XXX | $45K | XXX | XXX | XXX |
| S&M Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| G&A Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| R&D Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| Opex to Revenue | XXX | XXX | 25% | XXX | XXX | XXX |
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Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Credit Clear | XXX | XXX | XXX | XXX | XXX | XXX |
| Humm Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Liberty Financial Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Latitude Financial Services | XXX | XXX | XXX | XXX | XXX | XXX |
| MoneyMe | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
Encore Capital Group acquired XXX companies to date.
Last acquisition by Encore Capital Group was XXXXXXXX, XXXXX XXXXX XXXXXX . Encore Capital Group acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
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Start Free Trial| When was Encore Capital Group founded? | Encore Capital Group was founded in 1999. |
| Where is Encore Capital Group headquartered? | Encore Capital Group is headquartered in United States of America. |
| How many employees does Encore Capital Group have? | As of today, Encore Capital Group has 7.3K+ employees. |
| Who is the CEO of Encore Capital Group? | Encore Capital Group's CEO is Mr. Ashish Masih. |
| Is Encore Capital Group publicy listed? | Yes, Encore Capital Group is a public company listed on NAS. |
| What is the stock symbol of Encore Capital Group? | Encore Capital Group trades under ECPG ticker. |
| When did Encore Capital Group go public? | Encore Capital Group went public in 1999. |
| Who are competitors of Encore Capital Group? | Similar companies to Encore Capital Group include e.g. Credit Clear, Humm Group, Liberty Financial Group, Latitude Financial Services. |
| What is the current market cap of Encore Capital Group? | Encore Capital Group's current market cap is $884M |
| What is the current revenue of Encore Capital Group? | Encore Capital Group's last 12 months revenue is $1.4B. |
| What is the current revenue growth of Encore Capital Group? | Encore Capital Group revenue growth (NTM/LTM) is 15%. |
| What is the current EV/Revenue multiple of Encore Capital Group? | Current revenue multiple of Encore Capital Group is 3.2x. |
| Is Encore Capital Group profitable? | Yes, Encore Capital Group is EBITDA-positive (as of the last 12 months). |
| What is the current EBITDA of Encore Capital Group? | Encore Capital Group's last 12 months EBITDA is $325M. |
| What is Encore Capital Group's EBITDA margin? | Encore Capital Group's last 12 months EBITDA margin is 23%. |
| What is the current EV/EBITDA multiple of Encore Capital Group? | Current EBITDA multiple of Encore Capital Group is 13.8x. |
| What is the current FCF of Encore Capital Group? | Encore Capital Group's last 12 months FCF is -$242M. |
| What is Encore Capital Group's FCF margin? | Encore Capital Group's last 12 months FCF margin is -17%. |
| What is the current EV/FCF multiple of Encore Capital Group? | Current FCF multiple of Encore Capital Group is -18.5x. |
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