ENCORE CAPITAL GROUP INC (ECPG)
Short-Term Business Credit Institutions · Financial Services · $1.8B
Intrinsic Value (Consensus)
$133.34
Current Price
$82.98
Margin of Safety
+60.7%
60.7% Below Intrinsic Value
Value: $133
Price: $83
Valuation Model Estimates
Current Price: $82.98
DCF (Discounted Cash Flow)
$92.90
Graham Number
$116.33
Earnings Power Value
$105.92
Relative Value (P/E)
$218.20
Dividend Discount Model
Not applicable
—
Consensus Value
$133.34
Model Assumptions
Discount Rate
10.3%
Growth Rate
5.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
75
Profitability
22/25
Strength
24/25
Valuation
22/25
Growth
7/25
Financial Health Signals
Strong profitability — ROE of 22% (above 20% is excellent)
Low debt — conservative balance sheet
Key Financials
- EPS (TTM)
- $10.91
- EPS (Forward)
- $11.46
- Book Value
- $55.13
- P/E Ratio
- 20.0
- Forward P/E
- 19.0
- PEG Ratio
- —
- ROE
- 21.7%
- Debt/Equity
- 8%
- Revenue Growth
- 4.3%
- Earnings Growth
- 5.0%
- Dividend Yield
- N/A
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance