ECPGENCORE CAPITAL GROUP INC
Short-Term Business Credit Institutions
- Revenue
- $88M
- 4.3% YoY
- Operating margin
- 709.0%
- 282% YoY
- EBITDA
- $655M
- 245% YoY
- Market cap
- $2.1B
- Employees
- 7,350
- $12K revenue each
- Net debt / EBITDA
- 5.9×
- $3.9B net debt
- AI in 10-K
- 0.8
- mentions per 10K words
Takeover score 4 of 13
Fixable underperformance 2 of 7
- TSR below peersNo0 of 5 years3+ of last 5 years
- High CEO pay despite TSRNo$5M medianMedian CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashYes60% of net incomeCash flow under 80% of net income
- Dilutive SBCYes21% of revenueOver 10% of revenue
- Payouts exceed cash flowNo59% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo10% of assetsOver 40% of assets
- Shareholder dissentNo94% lowest supportAny vote under 80% support
Buyer economics 2 of 4
- Low revenue per employeeYes$12K · 0th pctBottom quartile of its SIC industry
- Quiet on AINo0.8 per 10K words · 30th pctBottom quartile of AI mentions in 10-Ks
- Net cashNo5.9× EBITDA net debtMore cash than debt, positive EBITDA
- Buyout-sizedYes$2.1B market capMarket cap $500M–$5B
Catalysts 0 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingNo−$2M netNet sales over $10M in 12 months
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $121M | $95M | $83M | $85M | $88M | 4.3% |
| Operating income | $633M | $462M | $17M | $157M | $627M | 298% |
| Net income | $351M | $195M | −$206M | −$139M | $257M | 285% |
| Operating cash flow | $303M | $211M | $153M | $156M | $153M | 1.9% |
| Capex | $33M | $37M | $25M | $29M | $26M | 9.4% |
| Stock-based comp | $18M | $15M | $14M | $14M | $18M | 30% |
| Buybacks | $391M | $87M | $0 | $0 | $90M |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $2M · 16
- Net
- −$2M
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $8M | $13M | 140 | 76 |
| FY2024 | $5M | $4M | 123 | 59 |
| FY2023 | $5M | $5M | 130 | 64 |
| FY2022 | $5M | $3M | 123 | 64 |
| FY2021 | $5M | $9M | 159 | 89 |