Encore Capital Group/$ECPG
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About Encore Capital Group
Encore Capital Group Inc is an international specialty finance company. It provides debt recovery solutions for consumers and property owners across a broad range of financial assets. The company purchases portfolios of defaulted consumer receivables at deep discounts to face value and manages them by working with individuals as the consumers repay their obligations and work toward financial recovery. Encore has only a reportable segment portfolio purchasing and recovery.
Ticker
$ECPG
Sector
Primary listing
Employees
7,350
Headquarters
Website
ECPG Metrics
BasicAdvanced
$1B
-
-$3.75
1.59
-
Price and volume
Market cap
$1B
Beta
1.59
52-week high
$51.77
52-week low
$26.45
Average daily volume
329K
Financial strength
Current ratio
18.678
Quick ratio
18.496
Long term debt to equity
442.589
Total debt to equity
445.118
Interest coverage (TTM)
1.33%
Profitability
EBITDA (TTM)
402.9
Gross margin (TTM)
100.00%
Net profit margin (TTM)
-6.07%
Operating margin (TTM)
25.29%
Effective tax rate (TTM)
-189.99%
Revenue per employee (TTM)
$200,000
Management effectiveness
Return on assets (TTM)
4.64%
Return on equity (TTM)
-9.46%
Valuation
Price to revenue (TTM)
0.723
Price to book
1.15
Price to tangible book (TTM)
2.91
Price to free cash flow (TTM)
11.049
Free cash flow yield (TTM)
9.05%
Free cash flow per share (TTM)
4.033
Growth
Revenue change (TTM)
15.50%
Earnings per share change (TTM)
-54.57%
3-year revenue growth (CAGR)
-3.37%
10-year revenue growth (CAGR)
2.83%
3-year earnings per share growth (CAGR)
-35.17%
10-year earnings per share growth (CAGR)
-1.13%
What the Analysts think about ECPG
Analyst ratings (Buy, Hold, Sell) for Encore Capital Group stock.
Bulls say / Bears say
Encore posted adjusted EPS of $2.49 in Q2 2025, beating the consensus estimate of $1.42 by $1.07 and demonstrating strong operating leverage in its portfolio recovery segment (Reuters)
The company reported net income of $58.72 million for Q2 2025, showing resilient profitability despite modest revenue pressure (Reuters)
Analyst sentiment remains favorable, with four ‘buy’ or ‘strong buy’ recommendations, one ‘hold’, and a median 12-month price target of $56.50, implying around 34% upside from the recent share price (Reuters)
Q2 2025 revenue dipped 0.3% year-over-year to $354.1 million, coming in below the consensus estimate of $383.4 million and pointing to possible challenges for future revenue growth (Reuters)
Encore shares have dropped 23.3% year-to-date through Q2 2025, lagging the broader market and raising valuation questions amid mixed operating performance (Reuters)
The average analyst earnings estimate for Encore has remained unchanged over the past three months, with no upward revisions in the last 30 days, suggesting limited near-term growth expectations for earnings (Reuters)
Data summarised monthly by Lightyear AI. Last updated on 7 Sept 2025.
ECPG Financial Performance
Revenues and expenses
ECPG Earnings Performance
Company profitability
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for Encore Capital Group stock?
Encore Capital Group (ECPG) has a market cap of $1B as of September 17, 2025.
What is the P/E ratio for Encore Capital Group stock?
The price to earnings (P/E) ratio for Encore Capital Group (ECPG) stock is 0 as of September 17, 2025.
Does Encore Capital Group stock pay dividends?
No, Encore Capital Group (ECPG) stock does not pay dividends to its shareholders as of September 17, 2025.
When is the next Encore Capital Group dividend payment date?
Encore Capital Group (ECPG) stock does not pay dividends to its shareholders.
What is the beta indicator for Encore Capital Group?
Encore Capital Group (ECPG) has a beta rating of 1.59. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.