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Encore Capital Group Inc
ECPG : NASDAQ : Financial
$26.54 -0.13 | -0.49%
Today's Range: 26.41 - 27.62
Avg. Daily Volume: 317,700
05/05/16 - 3:59 PM ET

Financial Analysis


ENCORE CAPITAL GROUP INC's gross profit margin for the fourth quarter of its fiscal year 2015 is essentially unchanged when compared to the same period a year ago. Even though sales increased, the net income has decreased, representing a decrease to the bottom line.

During the same period, stockholders' equity ("net worth") has remained virtually unchanged only decreasing by 4.66% from the same quarter last year.

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Income Statement Q4 FY15 Q4 FY14
Net Sales ($mil)297.76276.57
EBITDA ($mil)98.9398.37
EBIT ($mil)89.6590.3
Net Income ($mil)-0.9926.65


Balance Sheet Q4 FY15 Q4 FY14
Cash & Equiv. ($mil)153.59141.05
Total Assets ($mil)4219.853750.14
Total Debt ($mil)3216.572773.55
Equity ($mil)602.58632.07


Profitability Q4 FY15 Q4 FY14
Gross Profit Margin67.7469.54
EBITDA Margin33.2235.56
Operating Margin30.1132.65
Sales Turnover0.280.29
Return on Assets1.062.76
Return on Equity7.4916.66
Debt Q4 FY15 Q4 FY14
Current Ratio0.00.0
Debt/Capital0.840.81
Interest Expense50.1942.26
Interest Coverage1.792.14


Share Data Q4 FY15 Q4 FY14
Shares outstanding (mil)25.2925.79
Div / share0.00.0
EPS-0.041.04
Book value / share23.8324.5
Institutional Own % n/a n/a
Avg Daily Volume317289.0460384.0

Valuation


HOLD. This stock's P/E ratio indicates a premium compared to an average of 11.75 for the Consumer Finance industry and a discount compared to the S&P 500 average of 23.99. Conducting a second comparison, its price-to-book ratio of 1.17 indicates a significant discount versus the S&P 500 average of 2.74 and a discount versus the industry average of 2.00. The price-to-sales ratio is well below both the S&P 500 average and the industry average, indicating a discount.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
ECPG 17.04 Peers 11.75   ECPG 6.18 Peers 7.22

Premium. A higher P/E ratio than its peers can signify a more expensive stock or higher growth expectations.

ECPG is trading at a significant premium to its peers.

 

Discount. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures.

ECPG is trading at a discount to its peers.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
ECPG 4.60 Peers 10.80   ECPG 0.08 Peers 1.35

Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations.

ECPG is trading at a significant discount to its peers.

 

Discount. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples.

ECPG trades at a significant discount to its peers.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
ECPG 1.17 Peers 2.00   ECPG -57.19 Peers -24.07

Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.

ECPG is trading at a significant discount to its peers.

 

Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.

However, ECPG is expected to significantly trail its peers on the basis of its earnings growth rate.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
ECPG 0.60 Peers 1.81   ECPG 9.05 Peers 4.36

Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales.

ECPG is trading at a significant discount to its industry on this measurement.

 

Higher. A sales growth rate that exceeds the industry implies that a company is gaining market share.

ECPG has a sales growth rate that significantly exceeds its peers.

 

 

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