5 Undervalued Consumer Finance Stocks for Friday, September 11
Discover the top 5 undervalued Consumer Finance stocks for Friday, September 11 based on AAII’s Stock Grades.Rosalio Madrigal
A+ Stock Grade Summary:
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COMPANY SUMMARY
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 involved in the provision of debt servicing, such as early stage collection, business process outsourcing, and contingent collection services. In addition, the company engages in debt servicing and other portfolio management services to credit originator for non-performing loans. Further, it offers credit management services. Encore Capital Group, Inc. was incorporated in 1999 and is headquartered in San Diego, California.
Commentary & Analysis
Which Is a Better Investment, Encore Capital Group, Inc. or EZCORP, Inc. Stock?
Learn more about whether Encore Capital Group, Inc. or EZCORP, Inc. is a better investment based on AAII's A+ Investor grades, which compare both companies' key financial metrics.Michael Rose
Which Is a Better Investment, Encore Capital Group, Inc. or Happen, Inc. Stock?
Learn more about whether Encore Capital Group, Inc. or Happen, Inc. is a better investment based on AAII's A+ Investor grades, which compare both companies' key financial metrics.Rosalio Madrigal
Why Encore Capital Group, Inc.’s (ECPG) Stock Is Up 5.37%
As of Wednesday, August 12, Encore Capital Group, Inc.’s ECPG share price has surged by 5.37%, which has investors questioning if this is right time to sell.Cynthia McLaughlin
Is Encore Capital Group, Inc. (ECPG) Overvalued?
We dive into why Encore Capital Group, Inc. (ECPG) could be considered overvalued on 2026-08-05, based on AAII’s Value Score and Grade.Michael Rose
Financial Summary
| Share Statistics | ECPG | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $2,105.3 | $847.8 | 55% |
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| Shares Out (Mil) | 22.8 | 37.8 | 33% |
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| Institutional Ownership | 97.9% | 78.3% | 76% |
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| Float (Mil) | 20.7 | 33.4 | 29% |
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| Beta | 1.28 | 1.02 | 74% |
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| Avg Daily Volume (000s) | 212 | 328 | 45% |
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| Price Change (52-week) |
144.3% | 75.0% | 97% |
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| Growth | ECPG | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 3.3% | 9.3% | 29% |
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| Net Income (5yr) | 3.9% | 15.8% | 46% |
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| EPS (5yr) | 10.3% | 15.9% | 47 |
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| Dividends (5yr) | 0.0% | 0.0% | 0% |
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| Cash Flow (5yr) | (79.2%) | (6.4%) | 2% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | $3.348 | $13.518 | $14.620 | |
| Month Ago EPS | na | na | na | |
| # Rev Up | 1 | 2 | 2 | |
| # Rev Down | 1 | 1 | 0 | |
| Three Months Ago EPS | $3.080 | na | na | |
| Year/Year Chg | 19.1% | 23.9% | na | |
| Financials | ECPG | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $1,901 | $1,268 | 59% |
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| Net Income (TTM) (Mil) | $302 | $154 | 72% |
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| EPS (TTM) | $13.579 | $1.300 | 96% |
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| Operating Cash Flow (TTM) (Mil) | $151 | $228 | 56% |
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| Net Cash Flow (TTM) (Mil) | $10 | $5 | 56% |
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| Long-Term Debt (Q1) (Mil) | $3,950 | $963 | 83% |
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| Enterprise Value (Q1) (Mil) | $6,128 | $1,233 | 66% |
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| Valuation | ECPG | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.95 | 1.17 | 52% |
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| P/E | 7.5 | 9.0 | 10% |
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| Dividend Yield | 0.0% | 0.0% | 0% |
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| PEG (5yr hist) | 0.7 | 0.4 | 37% |
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| Ratios | ECPG | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | 100.0% | 74.0% | 96% |
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| Net Margin | 15.9% | 10.3% | 74% |
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| ROA | 5.6% | 2.9% | 74% |
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| ROE | 30.5% | 13.2% | 87% |
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| Liabilities to Assets | 80.6% | 77.4% | 75% |
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| F-Score | 6 | 5 | 67% |
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Passing Stock Screens
As of 10/7/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
O'Shaughnessy: Growth Screen II
Factors: Value, Momentum
O'Shaughnessy tries to predict the future using historical long-term trends.
| Performance Since Inception: | 14.9% |
| +/- S&P 500: | +7.4 |
