ECPG
Encore Capital Group
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: ECPG
- PE Ratio
As of Jun 3, 2026, the Encore Capital Group stock's price-to-earnings ratio is 5.96. This results from the current EPS of $13.08 and stock price of $78.01.
ECPG PE ratio history
The PE ratio of Encore Capital Group has averaged 14.05 over the last ten years. The current price-to-earnings ratio of 5.96 is 58% less than the historical average. In the past ten years, ECPG's PE ratio reached its highest point in the Jun 2023 quarter at 180.07, when the stock price was $48.62 and the EPS was $0.27. The lowest point was recorded in the Sep 2022 quarter, when it reached 3.33 with a price of $45.48 and an EPS of $13.64.
Encore Capital Group PE ratio by year
Maximum annual increase: 50.64% in 2013
Maximum annual decrease: -56.31% in 2018
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 4.92 | N/A | $54.35 | $11.05 |
| 2024 | N/A | N/A | $47.77 | -$5.83 |
| 2023 | N/A | N/A | $50.75 | -$8.72 |
| 2022 | 5.95 | 11.42% | $47.94 | $8.06 |
| 2021 | 5.34 | -7.61% | $62.11 | $11.64 |
| 2020 | 5.78 | -12.02% | $38.95 | $6.74 |
| 2019 | 6.57 | 14.26% | $35.36 | $5.38 |
| 2018 | 5.75 | -56.31% | $23.5 | $4.09 |
| 2017 | 13.16 | 36.94% | $42.1 | $3.2 |
| 2016 | 9.61 | -42.18% | $28.65 | $2.98 |
| 2015 | 16.62 | 50.14% | $29.08 | $1.75 |
| 2014 | 11.07 | -32.83% | $44.4 | $4.01 |
| 2013 | 16.48 | 50.64% | $50.26 | $3.05 |
| 2012 | 10.94 | 27.65% | $30.62 | $2.8 |
| 2011 | 8.57 | -25.09% | $21.26 | $2.48 |
Encore Capital Group PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 5.36 | 8.94% | $70.12 | $13.08 |
| Dec 2025 | 4.92 | N/A | $54.35 | $11.05 |
| Sep 2025 | N/A | N/A | $41.74 | -$1.76 |
| Jun 2025 | N/A | N/A | $38.71 | -$3.7 |
| Mar 2025 | N/A | N/A | $34.28 | -$4.85 |
| Dec 2024 | N/A | N/A | $47.77 | -$5.83 |
| Sep 2024 | N/A | N/A | $47.27 | -$7.83 |
| Jun 2024 | N/A | N/A | $41.73 | -$8.29 |
| Mar 2024 | N/A | N/A | $45.61 | -$8.53 |
| Dec 2023 | N/A | N/A | $50.75 | -$8.72 |
| Sep 2023 | N/A | N/A | $47.76 | -$0.22 |
| Jun 2023 | 180.07 | 485.4% | $48.62 | $0.27 |
| Mar 2023 | 30.76 | 416.97% | $50.45 | $1.64 |
| Dec 2022 | 5.95 | 78.68% | $47.94 | $8.06 |
| Sep 2022 | 3.33 | -13.05% | $45.48 | $13.64 |
ECPG Price vs fair value
ECPG average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
Currently, ECPG's PE ratio is lower than the 5 and 10-year averages.
PE comparison
With a P/E of 5.96, ECPG stands below the Financial Services sector and the industry average. Looking at its Financial Services sector average of 12.1, Encore Capital Group's P/E is 51% lower.
ECPG PE vs peers
ECPG's PE ratio is below its peer stocks CACC and ATLC.
| Stock name | PE ratio | Market cap |
|---|---|---|
| ECPG Encore Capital Group Inc | 6.16 | $1.73B |
| ATLC Atlanticus Holdings Corp | 9.85 | $1.24B |
| CACC Credit Acceptance Corp | 13.41 | $5.74B |
| PRAA Pra Group Inc | N/A | $573.64M |
Frequently asked questions
What is Encore Capital Group's PE ratio?
ECPG stock has a price to earnings ratio of 5.96 as of Jun 3, 2026.
What is the 5-year average PE ratio for Encore Capital Group (ECPG)?
The average PE ratio for ECPG stock over the past 5 years is 23.06.
What is the highest PE ratio for ECPG?
The highest quarterly PE ratio in the last ten years has been 180.07 and it was in the Jun 2023 quarter.
How does the current PE ratio for ECPG compare to its historical average?
ECPG's price to earnings ratio is currently 58% below its 10-year historical average.
Why is Encore Capital Group's PE ratio so low?
A company with a lower PE ratio may indicate that the market has lower growth expectations for the company's future earnings.
How is ECPG's PE ratio calculated (Encore Capital Group PE ratio formula)?
You can calculate the P/E ratio by dividing the most recent stock price by the trailing twelve months earnings per share(EPS). As of today (Jun 3, 2026), Encore Capital Group's stock price is $78.01. The earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $13.08. Therefore, Encore Capital Group's price to earnings ratio for today is 5.96. PE RATIO(5.96) = STOCK PRICE($78.01) / TTM EPS($13.08)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.