Encore Capital Group/$ECPG
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Capital at risk
About Encore Capital Group
Encore Capital Group Inc is an international specialty finance company engaged in providing debt recovery solutions and other related services for consumers across a broad range of financial assets. It mainly purchases portfolios of defaulted consumer receivables at deep discounts to face value and manages them by working with individuals to repay their obligations and work toward financial recovery. The company also provides debt servicing and other portfolio management services to credit originators for non-performing loans in Europe. It has only one reportable segment, debt purchasing and recovery. Geographically, the company generates maximum revenue from its business in the United States, followed by the United Kingdom, Europe, and other regions.
- Ticker
- $ECPG
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 7,350
- Headquarters
- San Diego, United States
- Website
- www.encorecapital.com
ECPG Metrics
BasicAdvanced
$2B
7.27
$13.19
1.28
-
Price and volume
Market cap
$2B
Beta
1.28
52-week high
$104.98
52-week low
$39.95
Average daily volume
345K
Financial strength
Current ratio
25.117
Quick ratio
11.283
Long term debt to equity
3.661
Total debt to equity
3.875
Interest coverage (TTM)
2.42%
Profitability
EBITDA (TTM)
745.54
Gross margin (TTM)
100.00%
Net profit margin (TTM)
15.86%
Operating margin (TTM)
37.74%
Effective tax rate (TTM)
23.12%
Revenue per employee (TTM)
$260,000
Management effectiveness
Return on assets (TTM)
8.34%
Return on equity (TTM)
30.54%
Valuation
Price to earnings (TTM)
7.27
Price to revenue (TTM)
1.12
Price to book
1.89
Price to tangible book (TTM)
3.7
Price to free cash flow (TTM)
17.023
Free cash flow yield (TTM)
5.87%
Free cash flow per share (TTM)
5.635
Growth
Revenue change (TTM)
29.55%
Earnings per share change (TTM)
-452.27%
3-year revenue growth (CAGR)
17.32%
10-year revenue growth (CAGR)
5.17%
3-year earnings per share growth (CAGR)
360.08%
10-year earnings per share growth (CAGR)
22.97%
What the Analysts think about ECPG
Analyst ratings (Buy, Hold, Sell) for Encore Capital Group stock.
Analyst projections of the future price of Encore Capital Group stock.
Bulls say / Bears say
Encore reported record second-quarter global collections of $737 million, up 13% year on year, and raised its 2026 collections outlook to $2.80–$2.85 billion. It also lifted its EPS guidance to $13–$14 despite absorbing about $1 per share of refinancing costs in Q2. (GlobeNewswire, Smart's Business Wire)
US portfolio purchasing remains a strong growth engine. MCM bought a record $372 million of portfolios in Q2, while its collections rose 17% to a record $572 million, helped by digital tools, technology and operational improvements. (Smart's Business Wire)
Encore is converting growth into better operating efficiency: Q2 collections rose 13% while operating expenses increased 5%, lifting cash efficiency to 60.2%. Leverage also improved to 2.3 times, supporting further portfolio purchases within management's 2026 target of $1.4–$1.5 billion. (Exa, Stock Observer)
Encore had $4.18 billion of borrowings against $183 million of cash at 30 June, and management expects 2026 interest expense of $295 million. The 2.3 times leverage ratio is within its target range, but weaker collections or higher funding costs could quickly pressure earnings and liquidity. (StockTitan, Exa)
The business is heavily tied to US conditions: 84% of second-quarter purchasing dollars went into the US, while the investment case depends on elevated charge-offs and ample portfolio supply. If consumer repayment behaviour or debt supply turns less favourable, Europe may not provide enough offset. (Exa, MetaTrader)
Underlying earnings were less clean than the headline growth suggests: Q2 EPS of $2.81 missed the Zacks consensus estimate of $3.07, while servicing revenue fell 18.3% and other revenue fell 25%. Operating expenses still rose 4.7%, partly because legal collection costs increased. (MetaTrader)
Data summarised monthly by Lightyear AI. Last updated on 29 Sept 2026.
ECPG Financial Performance
Revenues and expenses
ECPG Earnings Performance
Company profitability
Upcoming events
No upcoming events
ECPG News
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Funds containing ECPG
AllEURGBPUSD
Fund name | Fund size | $ECPG weighting |
|---|---|---|
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | €2.8B | 0.12% |
iShares MSCI USA Small Cap CTB Enhanced ESG£CUS1 | £2.4B | 0.12% |
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.11% |
iShares S&P Small Cap 600£ISP6 | £2.4B | 0.11% |
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.07% |
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