Encore Capital Group Inc

NASDAQ:ECPG USA Credit Services
Market Cap
$1.45 Billion
Market Cap Rank
#6041 Global
#3461 in USA
Share Price
$67.89
Change (1 day)
+2.15%
52-Week Range
$27.13 - $73.75
All Time High
$73.75
Categories
Companies in USA Credit Services Banking & Financial
About

Encore Capital Group, Inc., a specialty finance company, provides debt recovery solutions and other related services for consumers across financial assets worldwide. The company purchases portfolios of defaulted consumer receivables at discounts to face value, as well as manages them by working with individuals as they repay their obligations and works toward financial recovery. It is also involv… Read more

Encore Capital Group Inc (ECPG) - Net Assets

Latest net assets as of December 2025: $976.75 Million USD

Based on the latest financial reports, Encore Capital Group Inc (ECPG) has net assets worth $976.75 Million USD as of December 2025.

Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($5.34 Billion) and total liabilities ($4.36 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.

Key Net Assets Metrics

Metric Value
Current Net Assets $976.75 Million
% of Total Assets 18.29%
Annual Growth Rate 17.06%
5-Year Change -17.59%
10-Year Change 62.65%
Growth Volatility 64.84

Encore Capital Group Inc - Net Assets Trend (1998–2025)

This chart illustrates how Encore Capital Group Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.

Annual Net Assets for Encore Capital Group Inc (1998–2025)

The table below shows the annual net assets of Encore Capital Group Inc from 1998 to 2025.

Year Net Assets Change
2025-12-31 $976.75 Million +27.29%
2024-12-31 $767.33 Million -18.07%
2023-12-31 $936.54 Million -20.61%
2022-12-31 $1.18 Billion -0.48%
2021-12-31 $1.19 Billion -2.85%
2020-12-31 $1.22 Billion +18.98%
2019-12-31 $1.03 Billion +25.10%
2018-12-31 $819.69 Million +13.23%
2017-12-31 $723.91 Million +20.55%
2016-12-31 $600.51 Million -7.40%
2015-12-31 $648.49 Million -2.47%
2014-12-31 $664.94 Million +10.37%
2013-12-31 $602.47 Million +48.46%
2012-12-31 $405.82 Million +9.23%
2011-12-31 $371.54 Million +22.74%
2010-12-31 $302.70 Million +24.52%
2009-12-31 $243.09 Million +24.10%
2008-12-31 $195.89 Million +14.21%
2007-12-31 $171.52 Million +13.49%
2006-12-31 $151.14 Million +27.70%
2005-12-31 $118.35 Million +23.26%
2004-12-31 $96.02 Million +34.53%
2003-12-31 $71.37 Million +265.22%
2002-12-31 $19.54 Million +928.75%
2001-12-31 $-2.36 Million -123.40%
2000-12-31 $10.08 Million -69.46%
1999-12-31 $33.00 Million +137.41%
1998-12-31 $13.90 Million --

Equity Component Analysis

This analysis shows how different components contribute to Encore Capital Group Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

  • Retained earnings have grown by 12311.7% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (December 2025)

Component Amount Percentage
Retained Earnings $1.10 Billion 113.09%
Common Stock $217.00K 0.02%
Other Comprehensive Income $-128.11 Million -13.12%
Total Equity $976.75 Million 100.00%

Encore Capital Group Inc Competitors by Market Cap

The table below lists competitors of Encore Capital Group Inc ranked by their market capitalization.

Company Market Cap
Dürr Aktiengesellschaft
PINK:DUERF
 		$1.41 Billion
CAIRN HOMES (WI) EO -001
F:C5H
 		$1.41 Billion
DO & CO Aktiengesellschaft
VI:DOC
 		$1.41 Billion
Spic Yuanda Environmental Protection Co Ltd
SHG:600292
 		$1.41 Billion
Banpu Public Company Limited
BK:BANPU
 		$1.41 Billion
MAKINO MILLG MACH.
F:95B
 		$1.41 Billion
Perrigo Company PLC
NYSE:PRGO
 		$1.41 Billion
Kohl's Corporation
NYSE:KSS
 		$1.41 Billion

Equity Growth Attribution

This analysis shows how different factors contributed to changes in Encore Capital Group Inc's equity between the two most recent reporting periods.

Equity Growth Insights

  • From 2024 to 2025, total equity changed from 767,331,000 to 976,750,000, a change of 209,419,000 (27.3%).
  • Net income of 256,834,000 contributed positively to equity growth.
  • Share repurchases of 90,402,000 reduced equity.
  • Other comprehensive income increased equity by 34,023,000.

Equity Change Factors (2024 to 2025)

Factor Impact Contribution
Net Income $256.83 Million +26.29%
Share Repurchases $90.40 Million -9.26%
Other Comprehensive Income $34.02 Million +3.48%
Other Changes $8.96 Million +0.92%
Total Change $- 27.29%

Book Value vs Market Value Analysis

This analysis compares Encore Capital Group Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

  • Current price-to-book ratio: 1.64x
  • The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
  • The price-to-book ratio has decreased from 23.93x to 1.64x over the analyzed period, indicating reduced market premium.

Historical Price-to-Book Ratios

Date Book Value per Share Market Price P/B Ratio
1998-12-31 $2.84 $67.89 x
1999-12-31 $5.77 $67.89 x
2000-12-31 $1.36 $67.89 x
2001-12-31 $-0.33 $67.89 x
2002-12-31 $1.19 $67.89 x
2003-12-31 $3.42 $67.89 x
2004-12-31 $4.09 $67.89 x
2005-12-31 $4.93 $67.89 x
2006-12-31 $6.46 $67.89 x
2007-12-31 $7.33 $67.89 x
2008-12-31 $8.31 $67.89 x
2009-12-31 $10.09 $67.89 x
2010-12-31 $12.06 $67.89 x
2011-12-31 $14.46 $67.89 x
2012-12-31 $15.71 $67.89 x
2013-12-31 $21.82 $67.89 x
2014-12-31 $22.99 $67.89 x
2015-12-31 $22.61 $67.89 x
2016-12-31 $21.70 $67.89 x
2017-12-31 $22.04 $67.89 x
2018-12-31 $28.63 $67.89 x
2019-12-31 $32.48 $67.89 x
2020-12-31 $38.40 $67.89 x
2021-12-31 $38.05 $67.89 x
2022-12-31 $45.21 $67.89 x
2023-12-31 $39.57 $67.89 x
2024-12-31 $32.14 $67.89 x
2025-12-31 $41.50 $67.89 x

Capital Efficiency Dashboard

This dashboard shows how efficiently Encore Capital Group Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

  • Current Return on Equity (ROE): 26.29%
  • The company demonstrates strong efficiency in generating profits from shareholder equity.
  • DuPont Analysis Breakdown:
  • • Net Profit Margin: 14.57%
  • • Asset Turnover: 0.33x
  • • Equity Multiplier: 5.47x
  • Recent ROE (26.29%) is above the historical average (7.28%), indicating improving capital efficiency.

Historical Capital Efficiency Metrics

Year Return on Equity Net Profit Margin Asset Turnover Equity Multiplier Economic Value Added
1998 52.52% 27.14% 0.77x 2.50x $5.91 Million
1999 -0.30% -0.35% 0.28x 3.08x $-3.40 Million
2000 -235.44% -64.91% 0.51x 7.05x $-24.74 Million
2001 0.00% -22.71% 0.62x 0.00x $-10.63 Million
2002 70.56% 15.26% 1.00x 4.60x $11.83 Million
2003 25.81% 15.68% 0.85x 1.94x $11.28 Million
2004 24.14% 12.99% 0.89x 2.09x $13.57 Million
2005 26.27% 14.02% 0.61x 3.05x $19.26 Million
2006 15.89% 9.41% 0.65x 2.62x $8.89 Million
2007 8.77% 5.92% 0.53x 2.82x $-2.11 Million
2008 7.07% 5.41% 0.47x 2.80x $-5.74 Million
2009 13.59% 10.44% 0.53x 2.45x $8.74 Million
2010 16.20% 13.46% 0.49x 2.43x $18.78 Million
2011 16.41% 13.58% 0.55x 2.19x $23.80 Million
2012 17.12% 12.48% 0.48x 2.89x $28.90 Million
2013 13.17% 9.74% 0.29x 4.70x $18.11 Million
2014 16.41% 9.94% 0.28x 5.93x $40.52 Million
2015 7.49% 3.99% 0.27x 7.00x $-15.12 Million
2016 13.62% 7.44% 0.28x 6.53x $20.34 Million
2017 14.30% 7.01% 0.26x 7.72x $25.04 Million
2018 14.17% 8.51% 0.29x 5.66x $34.09 Million
2019 16.42% 12.01% 0.28x 4.80x $65.65 Million
2020 17.40% 14.11% 0.31x 4.00x $90.09 Million
2021 29.60% 21.73% 0.35x 3.89x $232.26 Million
2022 16.49% 13.91% 0.31x 3.82x $76.60 Million
2023 -22.05% -16.89% 0.26x 4.94x $-300.15 Million
2024 -18.15% -10.58% 0.27x 6.24x $-215.98 Million
2025 26.29% 14.57% 0.33x 5.47x $159.16 Million

Industry Comparison

This section compares Encore Capital Group Inc's net assets metrics with peer companies in the Credit Services industry.

Industry Context

  • Industry: Credit Services
  • Average net assets among peers: $42,167,772,618
  • Average return on equity (ROE) among peers: 3.49%

Peer Company Comparison

Company Net Assets Return on Equity Debt-to-Equity Market Cap
Encore Capital Group Inc (ECPG) $976.75 Million 52.52% 4.47x $1.41 Billion
Accord Financial Corp (ACCFF) $103.96 Million 11.43% 4.00x $8.00 Million
Acom Co. Ltd (ACJJF) $306.73 Billion 3.47% 2.77x $799.50 Million
Affirm Holdings Inc (AFRM) $3.07 Billion 1.70% 2.63x $13.28 Billion
Federal Agricultural Mortgage Corporation (AGM) $47.20 Million 1.69% 11.77x $1.51 Billion
Aiful Corp (AIFLF) $97.47 Billion -37.44% 4.75x $852.52 Million
Jianpu Technology Inc (AIJTY) $520.74 Million 20.38% 0.93x $16.37 Million
AIOS Tech Inc. (AIOS) $40.53 Million 17.61% 0.35x $2.83 Million
Ally Financial Inc (ALLY) $13.49 Billion 6.88% 11.39x $10.34 Billion
Alpha Investment Inc (ALPC) $-38.66K 0.00% 0.00x $166.69 Million
Antalpha Platform Holding Co (ANTA) $202.32 Million 9.14% 10.90x $14.83 Million