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IntroductionThe concept of valuationRevenue and revenue growthVariable costsFixed costsProduction assets

Intrinsic value of Encore Capital Group Inc (ECPG)

Previous Close$55.98
Intrinsic Value$193.64*
Upside potential  +246%
Previous Close
$55.98
Intrinsic Value
$193.64*
Potential        
+246%
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh193.64 193.64

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

Encore Capital Group, Inc., a specialty finance company, together with its subsidiaries, provides debt recovery solutions and other related services for consumers across a range of financial assets worldwide. The company purchases portfolios of defaulted consumer receivables at deep 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 involved in the early stage collections, business process outsourcing, contingent collections, trace services, and litigation activities; and the management of non-performing loans, as well as provides portfolio management services to credit originator for non-performing loans. Encore Capital Group, Inc. was founded in 1998 and is headquartered in San Diego, California.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %4.7NaN
Revenue, $1572NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m1135NaN
Operating income, $m437NaN
EBITDA, $m487NaN
Interest expense (income), $mNaN
Earnings before tax, $m436NaN
Tax expense, $m85NaN
Net income, $m351NaN

BALANCE SHEET

Cash and short-term investments, $m190NaN
Total assets, $m4608NaN
Adjusted assets (=assets-cash), $m4418NaN
Average production assets, $m1137NaN
Working capital, $m-40NaN
Total debt, $m3082NaN
Total liabilities, $m3423NaN
Total equity, $m1185NaN
Debt-to-equity ratio2.601NaN
Adjusted equity ratio0.225NaN

CASH FLOW

Net income, $m351NaN
Depreciation, amort., depletion, $m50NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m303NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-33NaN
Free cash flow, $m336NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-40
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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