$99.46

-0.18 (-0.18%)

Pre-Market: $97.75 (-1.71, -1.72%)

Weekly Expected Move ±4.9%

$88 $93 $98 $103 $107

NASDAQ · Financial Services · Financial - Credit Services · Tech Score Buy · Power 60 · $2.1B mcap · 21M float · 1.62% daily turnover · Short 65% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: $113.4M held by 207 funds, 209 bp over Treasuries → details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
Bond figures are fund-reported marks (SEC N-PORT) as of Jul 2026. How these are computed.

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE

44.6 / 100

NoneWeakNarrowWide

Primary source: Cost Advantage · ROIC: 9.6% · 5Y Avg: 2.5%

Cost Advantage ★

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. ECPG shows a Weak competitive edge (44.6/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Cost Advantage. ROIC of 9.6% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$124

Low

$124

Avg Target

$124

High

Based on 1 analyst since Aug 5, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 12Hold: 3Sell: 0Strong Sell: 0

Rating Summary

ConsensusBuy

Avg Target$124.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-10-13	Northland Securities	—	$70	$124	+54	+21.2%	$102.30
2026-04-21	Truist Financial	Mark Hughes	Initiated	$100	—	+20.6%	$82.91
2026-01-22	Northland Securities	—	$58	$70	+12	+22.8%	$56.98
2024-10-17	Northland Securities	Mike Grondahl	Initiated	$58	—	+24.2%	$46.70

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B+

Oct 27, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. ECPG receives an overall rating of B+. Strongest factors: ROE (5/5), ROA (5/5), P/E (4/5). Areas of concern: DCF (1/5), D/E (1/5), P/B (2/5).

Rating Change History

Date	From	To
2026-10-01	B	B+
2026-08-20	B+	B
2026-07-27	B	B+
2026-07-01	B+	B
2026-04-13	A-	B+
2026-04-10	B+	A-
2026-04-10	A-	B+
2026-04-06	B+	A-
2026-04-01	A-	B+
2026-04-01	B	A-

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 57 Grade D

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

100

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. ECPG scores highest in Safety (100/100) and lowest in Balance Sheet (23/100). A grade of D flags significant fundamental concerns across multiple dimensions.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

6.00

Safe Zone

Piotroski F-Score

6/9

✓ ✓ ✓ ✗ ✗ ✓ ✓ ✗ ✓

Beneish M-Score

116.65

Possible Manipulator

Ohlson O-Score

-7.48

Bankruptcy prob: 0.1%

Low Risk

Credit Rating

AA-

Score: 84.6/100

Trend: Improving

Earnings Quality

50/100

OCF/NI: 0.50x

Accruals: 2.8%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. ECPG scores 6.00, placing it in the Safe Zone (safe > 3.0, distress < 1.5). Bankruptcy is statistically unlikely within the next two years. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. ECPG scores 6/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. ECPG's score of 116.65 exceeds the −1.78 red flag threshold — this does not confirm manipulation but indicates the earnings profile resembles past manipulators statistically. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. ECPG's implied 0.1% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. ECPG receives an estimated rating of AA- (score: 84.6/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). ECPG's score of 50/100 is moderate — some divergence between reported earnings and underlying cash flows.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

7.32x

PEG

0.00x

P/S

1.11x

P/B

1.99x

P/FCF

16.36x

P/OCF

14.05x

EV/EBITDA

9.59x

EV/Revenue

3.59x

EV/EBIT

9.98x

EV/FCF

52.42x

Earnings Yield

14.18%

FCF Yield

6.11%

Shareholder Yield

5.28%

Graham Number

$118.70

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 7.3x earnings, ECPG trades at a deep value multiple. An earnings yield of 14.2% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $118.70 per share, suggesting a potential 19% margin of safety at the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.769

NI / EBT

Interest Burden

0.575

EBT / EBIT

EBIT Margin

0.359

EBIT / Rev

Asset Turnover

0.353

Rev / Assets

Equity Multiplier

5.447

Assets / Equity

ROE

30.5%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. ECPG's ROE of 30.5% is driven by financial leverage (equity multiplier: 5.45x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

15.00%

Fair P/E

38.50x

Intrinsic Value

$509.41

Price/Value

0.18x

Margin of Safety

81.69%

Premium

-81.69%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with ECPG's realized 15.0% 3-year EPS CAGR, capped at 15% — demonstrated performance rather than forecasts, held to a rate companies have historically sustained. ECPG actually compounded EPS at 359.7% over three years; the model uses 15%, the highest rate it will extrapolate — of 4,457 company-quarters that grew faster than 200%, none sustained it over the following seven years. At an intrinsic value of $509.41, ECPG appears undervalued with a 82% margin of safety. The adjusted fair P/E of 38.5x compares to the current market P/E of 7.3x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$99.46

Median 1Y

$100.59

5th Pctile

$43.37

95th Pctile

$232.12

Ann. Volatility

51.0%

Analyst Target

$124.00

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
Ashish Masih President and Chief Executive Officer	$923,005	$4,863,999	$8,106,453
John Yung President, International and Cabot Credit Management	$531,667	$1,007,189	$3,170,523
Tomas Hernanz President, Vice President, Chief Financial Officer and Treasurer	$472,194	$911,272	$2,972,786
Ryan B. Bell President, Midland Credit Management	$566,339	$1,055,163	$2,777,647
Andrew E. Asch Senior Vice President, General Counsel and Secretary	$453,535	$599,475	$1,611,088
Jonathan C. Clark Former Executive Vice President, Chief Financial Officer and Treasurer	$171,763	$—	$182,263

CEO Pay Ratio

359:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $8,106,453

Avg Employee Cost (SGA/emp): $22,578

Employees: 7,350

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

7,350

0.0% YoY

Revenue / Employee

$239,798

Rev: $1,762,518,000

Profit / Employee

$34,943

NI: $256,834,000

SGA / Employee

$22,578

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
ROE	24.7%	29.2%	34.2%	30.6%	26.5%	16.5%	3.1%	0.3%	-0.7%	-19.5%	-18.9%	-17.6%	-16.4%	-16.3%	-13.1%	-9.5%	-4.5%	29.5%	32.0%	30.5%	30.54%
ROA	6.7%	7.4%	9.2%	8.7%	7.7%	4.3%	0.8%	0.1%	-0.2%	-4.5%	-4.3%	-4.0%	-3.8%	-3.0%	-2.4%	-1.8%	-0.9%	5.1%	5.7%	5.6%	5.61%
ROIC	12.3%	12.8%	14.4%	13.6%	12.3%	7.3%	2.3%	0.3%	-1.1%	0.3%	0.6%	0.8%	1.3%	2.9%	3.6%	4.2%	-10.8%	9.7%	10.7%	9.6%	9.55%
ROCE	13.8%	15.3%	18.4%	17.8%	16.7%	10.6%	6.9%	5.9%	6.0%	0.1%	0.5%	0.8%	1.4%	3.2%	4.9%	6.0%	7.5%	11.6%	15.0%	12.7%	12.70%
Gross Margin	58.6%	55.0%	67.5%	54.1%	51.3%	34.9%	46.9%	49.4%	48.5%	41.4%	48.1%	49.8%	62.0%	31.5%	73.0%	73.4%	55.7%	93.5%	69.5%	38.0%	38.00%
Operating Margin	40.4%	34.7%	53.0%	33.3%	26.2%	-1.0%	22.4%	27.3%	24.4%	-78.3%	25.5%	28.7%	28.9%	-50.5%	32.9%	34.1%	37.6%	36.6%	38.7%	38.0%	38.00%
Net Margin	20.3%	21.3%	35.2%	16.9%	10.2%	-31.2%	6.0%	8.1%	6.2%	-97.6%	7.1%	9.1%	8.3%	-84.8%	11.9%	13.3%	16.2%	16.2%	18.2%	13.0%	13.01%
EBITDA Margin	38.6%	36.9%	54.7%	36.1%	29.2%	3.5%	25.1%	28.9%	28.5%	-76.6%	27.7%	30.3%	31.1%	-51.3%	34.4%	35.7%	38.6%	38.0%	40.0%	33.3%	33.31%
FCF Margin	14.6%	16.7%	14.8%	13.4%	14.2%	12.4%	13.0%	11.9%	11.8%	8.3%	9.2%	9.5%	8.6%	9.6%	8.8%	6.5%	8.4%	7.2%	9.0%	6.8%	6.85%
OCF Margin	16.8%	18.8%	17.0%	15.5%	16.2%	15.1%	15.9%	14.8%	14.6%	12.5%	13.6%	13.9%	12.8%	11.9%	10.9%	8.5%	10.2%	8.7%	10.3%	8.0%	7.97%
ROE 3Y Avg	snapshot only																				-0.61%
ROE 5Y Avg	snapshot only																				6.12%
ROA 3Y Avg	snapshot only																				-0.12%
ROIC 3Y Avg	snapshot only																				1.38%
ROIC Economic	snapshot only																				9.32%
Cash ROA	snapshot only																				2.72%
Cash ROIC	snapshot only																				2.62%
CROIC	snapshot only																				2.25%
NOPAT Margin	snapshot only																				29.01%
Pretax Margin	snapshot only																				20.66%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				6.44%
SBC / Revenue	snapshot only																				1.06%

Valuation

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
P/E Ratio	4.95	5.32	3.99	3.85	3.43	5.80	33.61	356.97	-131.61	-5.83	-5.53	-5.13	-6.25	-8.19	-7.19	-10.24	-21.75	4.82	5.28	7.05	7.319
P/S Ratio	0.94	1.16	1.02	0.94	0.77	0.81	1.04	1.00	0.99	0.99	0.90	0.79	0.87	0.87	0.60	0.62	0.63	0.70	0.85	1.12	1.111
P/B Ratio	1.10	1.57	1.38	1.24	0.99	0.96	1.06	0.96	0.97	1.29	1.17	1.02	1.10	1.49	1.02	1.02	1.03	1.27	1.51	1.97	1.987
P/FCF	6.47	6.92	6.85	7.01	5.47	6.51	8.01	8.43	8.37	11.90	9.76	8.34	10.12	8.98	6.87	9.51	7.45	9.75	9.42	16.36	16.356
P/OCF	5.62	6.16	5.98	6.04	4.79	5.36	6.55	6.75	6.77	7.88	6.64	5.68	6.81	7.30	5.53	7.34	6.14	8.08	8.23	14.05	14.049
EV/EBITDA	6.93	7.30	6.09	6.01	5.97	7.76	13.69	15.56	15.40	91.54	71.80	56.71	44.49	26.15	20.11	17.36	14.18	8.01	7.62	9.59	9.590
EV/Revenue	2.55	2.89	2.65	2.56	2.45	2.78	3.45	3.57	3.51	3.57	3.48	3.31	3.36	3.50	3.21	3.21	3.04	2.95	2.90	3.59	3.589
EV/EBIT	7.54	7.92	6.54	6.47	6.46	8.63	16.34	18.97	18.77	734.40	202.45	108.59	65.79	32.04	23.51	19.66	15.62	8.38	7.94	9.98	9.985
EV/FCF	17.52	17.33	17.86	19.13	17.26	22.39	26.63	30.00	29.72	43.09	37.66	34.91	39.09	36.34	36.62	49.02	35.98	41.07	32.34	52.42	52.421
Earnings Yield	20.2%	18.8%	25.1%	25.9%	29.2%	17.2%	3.0%	0.3%	-0.8%	-17.1%	-18.1%	-19.5%	-16.0%	-12.2%	-13.9%	-9.8%	-4.6%	20.7%	18.9%	14.2%	14.18%
FCF Yield	15.5%	14.5%	14.6%	14.3%	18.3%	15.4%	12.5%	11.9%	11.9%	8.4%	10.2%	12.0%	9.9%	11.1%	14.6%	10.5%	13.4%	10.3%	10.6%	6.1%	6.11%
PEG Ratio	snapshot only																				0.005
Price/Tangible Book	snapshot only																				3.866
EV/OCF	snapshot only																				45.028
EV/Gross Profit	snapshot only																				5.608
Acquirers Multiple	snapshot only																				9.511
Shareholder Yield	snapshot only																				5.28%
Graham Number	snapshot only																				$118.70

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	0.41	0.35	0.24	0.23	0.21	0.78	0.23	0.25	0.22	0.95	0.41	1.59	1.22	1.05	0.21	0.20	0.21	595.09	0.33	25.12	25.117
Quick Ratio	0.41	0.35	0.24	0.23	0.21	0.78	0.23	0.25	0.22	0.95	0.41	1.59	1.22	1.05	0.21	0.20	0.21	595.09	0.33	25.12	25.117
Debt/Equity	2.00	2.53	2.35	2.27	2.26	2.46	2.60	2.60	2.60	3.54	3.53	3.50	3.39	4.79	4.63	4.43	4.13	4.23	3.90	4.52	4.516
Net Debt/Equity	1.89	2.37	2.23	2.14	2.13	2.34	2.47	2.45	2.48	3.37	3.35	3.24	3.15	4.53	4.40	4.23	3.95	4.07	3.68	4.35	4.346
Debt/Assets	0.61	0.65	0.64	0.63	0.62	0.64	0.66	0.66	0.65	0.72	0.72	0.72	0.71	0.77	0.76	0.76	0.75	0.77	0.74	0.88	0.875
Debt/EBITDA	4.63	4.68	3.98	4.03	4.31	5.79	10.09	11.87	11.60	69.59	56.08	46.54	35.44	20.82	17.18	14.63	11.76	6.35	5.72	6.86	6.855
Net Debt/EBITDA	4.37	4.39	3.76	3.81	4.08	5.51	9.57	11.18	11.07	66.27	53.19	43.16	32.97	19.69	16.33	13.99	11.25	6.11	5.40	6.60	6.598
Interest Coverage	3.03	3.48	4.36	4.27	3.87	3.00	1.58	1.27	1.21	0.03	0.10	0.18	0.29	0.56	0.70	0.85	1.05	2.19	2.36	2.35	2.352
Equity Multiplier	3.25	3.89	3.70	3.62	3.63	3.82	3.96	3.95	3.97	4.94	4.91	4.87	4.76	6.24	6.07	5.79	5.52	5.47	5.27	5.16	5.159
Cash Ratio	snapshot only																				0.959
Debt Service Coverage	snapshot only																				2.448
Cash to Debt	snapshot only																				0.038
FCF to Debt	snapshot only																				0.027
Defensive Interval	snapshot only																				3508.3 days

Efficiency & Turnover

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Asset Turnover	0.35	0.34	0.36	0.36	0.34	0.31	0.26	0.25	0.26	0.27	0.26	0.26	0.27	0.28	0.29	0.29	0.30	0.35	0.35	0.35	0.353
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover (trade)	46.33	65.70	51.99	73.04	62.94	72.26	62.64	79.92	81.98	97.14	96.02	103.54	124.98	0.70	285.60	68.01	66.14	0.93	308.11	0.82	0.818
Payables Turnover	—	—	—	—	—	—	—	—	—	7.49	—	—	—	3.47	—	—	—	4.32	—	7.17	7.166
DSO (trade)	8	6	7	5	6	5	6	5	4	4	4	4	3	525	1	5	6	393	1	446	446.1 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	0	0	0	0	0	0	0	0	0	49	0	0	0	105	0	0	0	84	0	51	50.9 days
Cash Conversion Cycle (trade)	8	6	7	5	6	5	6	5	4	-45	4	4	3	420	1	5	6	309	1	395	395.2 days
Fixed Asset Turnover	snapshot only																				23.553
Cash Velocity	snapshot only																				10.379
Capital Intensity	snapshot only																				2.931

Growth (YoY)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue	11.8%	7.5%	4.2%	-0.3%	-7.2%	-13.4%	-28.6%	-27.6%	-22.5%	-12.6%	2.2%	7.9%	12.6%	7.7%	11.5%	15.5%	17.5%	34.4%	33.9%	29.4%	29.38%
Net Income	43.4%	65.6%	36.3%	39.8%	10.2%	-44.5%	-91.3%	-99.2%	-1.0%	-2.1%	-6.4%	-60.3%	-19.9%	32.6%	42.7%	54.5%	75.6%	2.8%	3.6%	4.4%	4.38%
EPS	45.5%	75.4%	57.8%	66.3%	33.3%	-29.2%	-90.4%	-99.1%	-1.0%	-2.1%	-6.5%	-60.7%	-19.9%	32.9%	42.2%	53.5%	74.6%	2.9%	3.8%	4.5%	4.50%
FCF	-10.3%	-3.1%	-10.2%	-1.1%	-9.7%	-35.7%	-37.6%	-35.7%	-35.5%	-41.6%	-27.2%	-13.8%	-18.0%	25.3%	5.9%	-20.4%	15.6%	-0.0%	37.1%	35.4%	35.43%
EBITDA	13.5%	25.9%	17.6%	20.2%	3.3%	-21.8%	-58.6%	-61.1%	-57.0%	-90.5%	-80.4%	-72.5%	-62.7%	2.7%	2.7%	2.7%	2.3%	2.7%	2.2%	1.6%	1.62%
Op. Income	21.2%	18.7%	11.5%	10.7%	-7.1%	-27.0%	-63.4%	-65.0%	-60.7%	-96.4%	-88.8%	-81.5%	-67.9%	8.5%	5.8%	4.8%	3.3%	3.0%	2.3%	1.8%	1.84%
OCF Growth	snapshot only																				21.77%
Asset Growth	snapshot only																				7.20%
Equity Growth	snapshot only																				20.40%
Debt Growth	snapshot only																				22.84%
Shares Change	snapshot only																				-3.34%

Growth (CAGR)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue 3Y	7.2%	5.8%	7.1%	5.6%	2.9%	0.0%	-3.3%	-6.0%	-7.0%	-6.6%	-8.7%	-8.0%	-6.8%	-6.6%	-6.6%	-3.4%	0.9%	8.1%	15.1%	17.3%	17.27%
Revenue 5Y	9.2%	9.4%	10.9%	9.9%	5.9%	3.3%	-0.5%	-2.0%	-2.4%	-2.1%	-2.2%	-1.6%	-1.0%	-1.2%	0.6%	0.7%	1.3%	3.3%	2.6%	3.1%	3.09%
EPS 3Y	54.3%	46.6%	50.9%	45.3%	34.7%	15.9%	-24.3%	-72.3%	—	—	—	—	—	—	—	—	—	10.9%	1.1%	3.6%	3.60%
EPS 5Y	37.2%	31.7%	41.2%	44.1%	30.6%	21.3%	-13.7%	-47.4%	—	—	—	—	—	—	—	—	—	11.1%	5.9%	8.0%	7.98%
Net Income 3Y	56.4%	44.7%	44.4%	37.1%	26.0%	5.0%	-29.8%	-74.6%	—	—	—	—	—	—	—	—	—	9.7%	99.3%	3.5%	3.50%
Net Income 5Y	42.7%	35.6%	42.7%	44.1%	29.8%	18.5%	-14.7%	-48.2%	—	—	—	—	—	—	—	—	—	3.9%	-1.3%	1.3%	1.27%
EBITDA 3Y	17.6%	15.8%	19.8%	17.0%	11.9%	3.7%	-7.8%	-18.8%	-20.4%	-54.6%	-54.3%	-49.5%	-45.0%	-34.9%	-33.1%	-26.9%	-18.8%	9.2%	32.2%	38.1%	38.08%
EBITDA 5Y	21.3%	18.2%	23.0%	22.6%	10.4%	6.7%	-4.2%	-7.4%	-6.3%	-35.0%	-32.5%	-29.7%	-25.8%	-17.0%	-10.8%	-11.7%	-8.9%	5.1%	2.3%	4.3%	4.26%
Gross Profit 3Y	9.3%	7.8%	10.6%	9.0%	5.1%	0.7%	-5.3%	-11.3%	-13.3%	-11.9%	-15.3%	-13.3%	-9.9%	-11.4%	-8.9%	-1.6%	2.5%	19.4%	32.7%	30.6%	30.60%
Gross Profit 5Y	12.4%	12.7%	15.4%	14.5%	7.4%	4.2%	-2.5%	-4.9%	-5.4%	-5.0%	-5.1%	-4.3%	-2.3%	-3.1%	2.6%	3.3%	2.9%	9.5%	7.1%	5.7%	5.71%
Op. Income 3Y	21.4%	16.0%	19.5%	15.5%	9.4%	1.2%	-11.3%	-21.5%	-23.8%	-68.6%	-64.2%	-58.4%	-51.0%	-37.1%	-34.7%	-28.0%	-18.5%	10.7%	36.5%	44.7%	44.71%
Op. Income 5Y	27.0%	21.3%	25.6%	24.8%	11.1%	7.3%	-4.5%	-8.1%	-8.1%	-47.3%	-41.2%	-36.9%	-30.2%	-18.8%	-11.9%	-12.4%	-9.4%	3.3%	0.8%	3.3%	3.29%
FCF 3Y	26.8%	31.2%	24.6%	16.5%	2.0%	-5.4%	-16.3%	-23.3%	-19.5%	-28.6%	-25.8%	-18.2%	-21.8%	-22.2%	-21.6%	-23.9%	-15.1%	-9.9%	1.9%	-2.4%	-2.44%
FCF 5Y	17.4%	22.3%	22.7%	12.8%	18.8%	12.6%	19.5%	5.1%	3.5%	-3.2%	-2.6%	-2.6%	-10.9%	-9.2%	-14.7%	-20.9%	-13.1%	-14.5%	-9.9%	-10.0%	-10.00%
OCF 3Y	19.2%	17.5%	13.6%	8.5%	-2.3%	-4.9%	-14.2%	-20.3%	-16.7%	-21.2%	-18.6%	-11.1%	-14.9%	-19.8%	-19.5%	-21.1%	-13.4%	-10.1%	-0.3%	-4.7%	-4.69%
OCF 5Y	15.1%	18.4%	18.1%	10.6%	14.2%	11.2%	14.5%	3.1%	1.2%	-3.9%	-3.1%	-2.2%	-8.5%	-8.6%	-13.2%	-18.5%	-11.7%	-13.3%	-9.4%	-9.7%	-9.70%
Assets 3Y	-0.7%	-0.2%	-1.4%	-2.5%	-2.8%	-2.8%	0.5%	0.9%	0.2%	-1.6%	-0.6%	1.0%	3.2%	1.3%	2.5%	5.2%	6.7%	5.8%	5.2%	4.5%	4.50%
Assets 5Y	4.2%	4.7%	4.2%	2.6%	0.7%	0.1%	0.2%	1.1%	0.5%	-0.0%	-0.5%	0.0%	1.2%	-0.5%	1.5%	1.8%	2.1%	1.9%	2.7%	3.5%	3.53%
Equity 3Y	21.6%	13.2%	12.6%	11.0%	9.0%	4.9%	9.5%	5.9%	2.1%	-8.4%	-9.2%	-10.0%	-9.2%	-13.5%	-13.1%	-10.1%	-7.2%	-6.1%	-4.4%	-4.4%	-4.38%
Book Value 3Y	20.0%	14.7%	17.7%	17.6%	16.5%	15.7%	18.1%	15.6%	11.6%	1.0%	-0.9%	-1.7%	-1.3%	-6.6%	-9.4%	-6.6%	-4.2%	-5.1%	-0.8%	-2.3%	-2.34%
Dividend 3Y	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

Growth Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue Stability	0.98	0.96	0.93	0.94	0.82	0.52	0.08	0.00	0.01	0.08	0.15	0.16	0.19	0.25	0.05	0.04	0.00	0.06	0.04	0.09	0.095
Earnings Stability	0.91	0.87	0.80	0.96	0.95	0.56	0.09	0.02	0.00	0.16	0.19	0.32	0.41	0.52	0.45	0.58	0.61	0.15	0.17	0.12	0.119
Margin Stability	0.94	0.95	0.91	0.93	0.97	0.97	0.90	0.91	0.91	0.92	0.89	0.89	0.91	0.92	0.89	0.86	0.89	0.81	0.81	0.85	0.849
Rev. Growth Consistency	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.000
Earn. Growth Consistency	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.000
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.83	0.50	0.85	0.84	0.96	0.82	0.50	0.50	0.20	0.20	0.20	0.20	0.50	0.50	0.50	0.50	0.50	0.20	0.20	0.20	0.200
Earnings Smoothness	0.64	0.51	0.69	0.67	0.90	0.43	0.00	0.00	—	—	—	—	—	—	—	—	—	—	—	—	—
ROE Trend	0.03	0.13	0.16	0.12	0.08	-0.07	-0.27	-0.26	-0.26	-0.45	-0.40	-0.36	-0.32	-0.15	-0.05	-0.00	0.04	0.46	0.46	0.43	0.428
Gross Margin Trend	0.01	0.03	0.06	0.04	0.02	-0.01	-0.12	-0.12	-0.12	-0.10	-0.07	-0.06	-0.01	-0.02	0.09	0.16	0.13	0.26	0.22	0.09	0.089
FCF Margin Trend	-0.02	0.00	-0.04	-0.04	-0.02	-0.05	-0.03	-0.02	-0.03	-0.06	-0.05	-0.03	-0.04	-0.01	-0.02	-0.04	-0.02	-0.02	-0.00	-0.01	-0.012
Sustainable Growth Rate	24.7%	29.2%	34.2%	30.6%	26.5%	16.5%	3.1%	0.3%	—	—	—	—	—	—	—	—	—	29.5%	32.0%	30.5%	30.54%
Internal Growth Rate	7.2%	8.0%	10.1%	9.5%	8.4%	4.5%	0.8%	0.1%	—	—	—	—	—	—	—	—	—	5.3%	6.0%	5.9%	5.94%

Cash Flow Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	0.88	0.86	0.67	0.64	0.72	1.08	5.13	52.85	-19.44	-0.74	-0.83	-0.90	-0.92	-1.12	-1.30	-1.39	-3.54	0.60	0.64	0.50	0.502
FCF/OCF	0.87	0.89	0.87	0.86	0.88	0.82	0.82	0.80	0.81	0.66	0.68	0.68	0.67	0.81	0.80	0.77	0.82	0.83	0.87	0.86	0.859
FCF/Net Income	snapshot only																				0.431
OCF/EBITDA	snapshot only																				0.213
CapEx/Revenue	2.2%	2.1%	2.2%	2.1%	2.0%	2.7%	2.9%	3.0%	2.8%	4.2%	4.3%	4.4%	4.2%	2.2%	2.1%	1.9%	1.8%	1.5%	1.3%	1.1%	1.12%
CapEx/Depreciation	snapshot only																				0.760
Accruals Ratio	0.01	0.01	0.03	0.03	0.02	-0.00	-0.03	-0.04	-0.04	-0.08	-0.08	-0.08	-0.07	-0.06	-0.06	-0.04	-0.04	0.02	0.02	0.03	0.028
Sloan Accruals	snapshot only																				1.030
Cash Flow Adequacy	snapshot only																				7.091
Earnings Quality Score	snapshot only																				0.500

Dividends & Buybacks

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Dividend/Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Payout Ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	—	—	—	—	—	—	—	—	—	0.0%	0.0%	0.0%	0.00%
FCF Payout Ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Total Payout Ratio	28.2%	1.1%	91.7%	99.5%	1.1%	44.7%	1.6%	10.9%	—	—	—	—	—	—	—	—	—	35.2%	33.9%	37.2%	37.21%
Div. Increase Streak	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Chowder Number	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Buyback Yield	5.7%	20.9%	23.0%	25.8%	32.2%	7.7%	4.9%	3.1%	0.9%	0.0%	0.0%	0.0%	0.0%	0.0%	1.2%	2.8%	3.6%	7.3%	6.4%	5.3%	5.28%
Net Buyback Yield	5.7%	20.9%	23.0%	25.8%	32.2%	7.7%	4.9%	3.1%	0.9%	0.0%	0.0%	0.0%	0.0%	0.0%	1.2%	2.8%	3.6%	7.3%	6.4%	5.3%	5.28%
Total Shareholder Return	5.7%	20.9%	23.0%	25.8%	32.2%	7.7%	4.9%	3.1%	0.9%	0.0%	0.0%	0.0%	0.0%	0.0%	1.2%	2.8%	3.6%	7.3%	6.4%	5.3%	5.28%

DuPont Factors

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	0.78	0.80	0.79	0.78	0.78	0.63	0.36	0.06	-0.19	1.15	1.15	1.16	1.17	1.45	1.75	2.90	-1.59	0.76	0.76	0.77	0.769
Interest Burden (EBT/EBIT)	0.72	0.74	0.79	0.79	0.77	0.69	0.41	0.26	0.21	-30.33	-8.22	-4.35	-2.33	-0.67	-0.35	-0.13	0.09	0.54	0.57	0.57	0.575
EBIT Margin	0.34	0.37	0.41	0.40	0.38	0.32	0.21	0.19	0.19	0.00	0.02	0.03	0.05	0.11	0.14	0.16	0.19	0.35	0.37	0.36	0.359
Asset Turnover	0.35	0.34	0.36	0.36	0.34	0.31	0.26	0.25	0.26	0.27	0.26	0.26	0.27	0.28	0.29	0.29	0.30	0.35	0.35	0.35	0.353
Equity Multiplier	3.68	3.94	3.72	3.53	3.43	3.85	3.83	3.79	3.80	4.32	4.38	4.36	4.34	5.53	5.45	5.31	5.12	5.81	5.62	5.45	5.447

Per Share

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$9.95	$11.68	$15.72	$14.99	$13.26	$8.26	$1.50	$0.14	$-0.36	$-8.70	$-8.25	$-8.13	$-7.57	$-5.83	$-4.77	$-3.78	$-1.92	$11.28	$13.27	$13.23	$13.23
Book Value/Share	$44.60	$39.46	$45.35	$46.63	$46.03	$50.10	$47.48	$50.82	$49.17	$39.45	$38.98	$41.01	$42.94	$32.14	$33.75	$38.00	$40.52	$42.89	$46.36	$47.33	$50.05
Tangible Book/Share	$14.83	$8.36	$12.24	$14.31	$15.35	$14.28	$13.18	$14.86	$14.52	$13.90	$14.36	$15.99	$17.21	$10.87	$12.35	$14.97	$17.74	$19.34	$22.64	$24.13	$24.13
Revenue/Share	$52.29	$53.74	$61.76	$61.59	$58.71	$59.39	$48.56	$48.49	$48.37	$51.50	$50.61	$52.73	$54.42	$55.14	$56.89	$62.24	$66.36	$77.66	$82.84	$83.31	$88.09
FCF/Share	$7.61	$8.98	$9.16	$8.24	$8.32	$7.37	$6.30	$5.77	$5.70	$4.27	$4.67	$5.01	$4.67	$5.32	$4.99	$4.07	$5.60	$5.57	$7.44	$5.70	$6.03
OCF/Share	$8.76	$10.09	$10.50	$9.56	$9.49	$8.95	$7.70	$7.20	$7.06	$6.44	$6.87	$7.35	$6.94	$6.54	$6.20	$5.27	$6.80	$6.73	$8.52	$6.64	$7.02
Cash/Share	$5.05	$6.31	$5.83	$5.84	$5.67	$6.11	$6.37	$7.61	$5.94	$6.67	$7.07	$10.40	$10.13	$8.37	$7.71	$7.33	$7.33	$6.88	$10.18	$8.03	$8.49
EBITDA/Share	$19.25	$21.31	$26.86	$26.25	$24.07	$21.25	$12.24	$11.12	$11.01	$2.01	$2.45	$3.08	$4.10	$7.39	$9.09	$11.50	$14.22	$28.56	$31.57	$31.18	$31.18
Debt/Share	$89.16	$99.78	$106.76	$105.75	$103.79	$123.12	$123.56	$131.94	$127.72	$139.76	$137.49	$143.38	$145.47	$153.85	$156.20	$168.18	$167.26	$181.43	$180.70	$213.73	$213.73
Net Debt/Share	$84.11	$93.46	$100.93	$99.91	$98.12	$117.01	$117.19	$124.32	$121.79	$133.09	$130.42	$132.98	$135.34	$145.47	$148.48	$160.85	$159.92	$174.54	$170.52	$205.71	$205.71

Academic Models

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	5.998
Altman Z-Prime	snapshot only																				7.455
Piotroski F-Score	8	8	7	6	4	6	4	5	4	4	6	6	5	5	6	6	5	7	7	6	6
Beneish M-Score	-2.64	-2.64	-2.73	-2.77	-2.76	-2.55	-2.74	-2.76	-3.00	-3.19	-3.20	-2.97	-2.82	395.95	-3.62	-1.41	-0.82	-2.82	-1.98	116.65	116.654
Ohlson O-Score	snapshot only																				-7.482
ROIC (Greenblatt)	snapshot only																				14.58%
Net-Net WC	snapshot only																				$13.43
EVA	snapshot only																				$-25906929.17

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				AA-
Credit Score	65.93	67.15	66.23	66.83	67.37	69.26	51.76	44.24	39.36	33.43	33.74	43.21	40.31	35.58	29.96	34.08	36.28	84.94	66.19	84.63	84.629
Credit Grade	snapshot only																				4
Credit Trend	snapshot only																				50.549
Implied Spread (bps)	snapshot only																				100.000
Industry Credit Rank	snapshot only																				86
Sector Credit Rank	snapshot only																				79

ECPG NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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