Encore Capital Group Inc (ECPG) - Net Assets
Based on the latest financial reports, Encore Capital Group Inc (ECPG) has net assets worth $1.03 Billion USD as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($5.45 Billion) and total liabilities ($4.42 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. Also explore ECPG total asset value for the complete picture of this company's asset base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $1.03 Billion |
| % of Total Assets | 18.99% |
| 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. Check ECPG intangible-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
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. For live valuation and market cap data, see market cap of Encore Capital Group Inc.
| 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 |
|---|---|
|
Goodyear Tire & Rubber Co
NASDAQ:GT
|
$1.72 Billion |
|
Tecan Group AG
SW:TECN
|
$1.72 Billion |
|
1st Source Corporation
NASDAQ:SRCE
|
$1.72 Billion |
|
Hyundai Elevator
KO:017800
|
$1.72 Billion |
|
SoftwareONE Holding AG
SW:SWON
|
$1.72 Billion |
|
Photronics Inc
NASDAQ:PLAB
|
$1.72 Billion |
|
Motorcomm Electronic Technology Co. Ltd. A
SHG:688515
|
$1.72 Billion |
|
BBMG Corp Class A
SHG:601992
|
$1.72 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: 2.06x
- 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 30.18x to 2.06x 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 | $85.63 | x |
| 1999-12-31 | $5.77 | $85.63 | x |
| 2000-12-31 | $1.36 | $85.63 | x |
| 2001-12-31 | $-0.33 | $85.63 | x |
| 2002-12-31 | $1.19 | $85.63 | x |
| 2003-12-31 | $3.42 | $85.63 | x |
| 2004-12-31 | $4.09 | $85.63 | x |
| 2005-12-31 | $4.93 | $85.63 | x |
| 2006-12-31 | $6.46 | $85.63 | x |
| 2007-12-31 | $7.33 | $85.63 | x |
| 2008-12-31 | $8.31 | $85.63 | x |
| 2009-12-31 | $10.09 | $85.63 | x |
| 2010-12-31 | $12.06 | $85.63 | x |
| 2011-12-31 | $14.46 | $85.63 | x |
| 2012-12-31 | $15.71 | $85.63 | x |
| 2013-12-31 | $21.82 | $85.63 | x |
| 2014-12-31 | $22.99 | $85.63 | x |
| 2015-12-31 | $24.34 | $85.63 | x |
| 2016-12-31 | $23.18 | $85.63 | x |
| 2017-12-31 | $27.42 | $85.63 | x |
| 2018-12-31 | $28.69 | $85.63 | x |
| 2019-12-31 | $32.58 | $85.63 | x |
| 2020-12-31 | $38.40 | $85.63 | x |
| 2021-12-31 | $38.05 | $85.63 | x |
| 2022-12-31 | $45.21 | $85.63 | x |
| 2023-12-31 | $39.57 | $85.63 | x |
| 2024-12-31 | $32.14 | $85.63 | x |
| 2025-12-31 | $41.50 | $85.63 | 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 (7.12%), 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 | 6.96% | 3.99% | 0.27x | 6.51x | $-19.71 Million |
| 2016 | 12.75% | 7.44% | 0.28x | 6.11x | $16.52 Million |
| 2017 | 11.50% | 7.01% | 0.26x | 6.20x | $10.84 Million |
| 2018 | 14.14% | 8.51% | 0.29x | 5.65x | $33.92 Million |
| 2019 | 16.37% | 12.01% | 0.28x | 4.79x | $65.33 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: $4,698,120,240
- Average return on equity (ROE) among peers: 7.34%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Encore Capital Group Inc (ECPG) | $1.03 Billion | 52.52% | 4.27x | $1.72 Billion |
| Affirm Holdings Inc (AFRM) | $2.58 Billion | -17.12% | 0.89x | $20.96 Billion |
| Federal Agricultural Mortgage Corporation (AGM) | $248.13 Million | 19.86% | 16.49x | $1.91 Billion |
| Federal Agricultural Mortgage Corporation (AGM-A) | $1.41 Billion | 14.17% | 19.91x | $152.50 Million |
| AIOS Tech Inc. (AIOS) | $16.48 Million | 26.67% | 0.83x | $3.53 Million |
| Ally Financial Inc (ALLY) | $21.85 Billion | 8.55% | 7.67x | $12.59 Billion |
| Antalpha Platform Holding Co (ANTA) | $12.71 Million | -51.81% | 56.59x | $87.33 Million |
| Atlanticus Holdings Corporation (ATLC) | $447.87 Million | 1.31% | 0.16x | $1.45 Billion |
| American Express Company (AXP) | $18.79 Billion | 26.26% | 7.16x | $215.64 Billion |
| Bread Financial Holdings, Inc. (BFH) | $870.52 Million | 11.76% | 1.57x | $4.12 Billion |
| Credit Acceptance Corporation (CACC) | $750.10 Million | 33.74% | 2.24x | $5.46 Billion |
About Encore Capital Group Inc
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