Profitability
Weight: 25%
B-
66
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 1.7%
- Operating Margin Trend -2.88 pp/yr
ECPG
Encore Capital Group, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
A+
100
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 20.7%
- 5yr Share-Count CAGR -6.8%
Growth Quality
Weight: 10%
C+
61
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 10.6%
- 5yr EPS CAGR -0.8%
- Positive-EPS Years (5) 3/5
Cash Generation
Weight: 5%
B
75
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 0.85x
Balance Sheet
Weight: 30%
B+
78
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 18.3%
- Interest Coverage (EBIT/Int) 2.17x
Stability
Weight: 10%
D+
42
- EPS Volatility (σ/μ) 0.58
- Piotroski F-Score 5
- Negative-Revenue Years (5) 2/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 1 new buy; 1 trimmed.
- Holders
- 2 +1
- Avg Δ position
- -7.9%
- New buys
- 1
- Full exits
- 0