Encore Capital Group/$ECPG
1D1W1M3M6MYTD1Y5YMAX
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
$2.1B
7.58
$13.19
1.28
-
Price and volume
Market cap
$2.1B
Beta
1.28
52-week high
$105.98
52-week low
$40.52
Average daily volume
220K
Financial strength
Current ratio
11.376
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)
7.578
Price to revenue (TTM)
1.168
Price to book
1.97
Price to tangible book (TTM)
3.86
Price to free cash flow (TTM)
17.743
Free cash flow yield (TTM)
5.64%
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
Global collections rose 13% to a quarterly record of $737 million in Q2, prompting Encore to raise its 2026 collections outlook to $2.80–$2.85 billion and EPS outlook to $13–$14 per share. (Encore Capital Group)
Ample U.S. portfolio supply is giving Encore room to grow at favourable prices: it bought a record $372 million of U.S. portfolios in Q2, and management said elevated supply kept pricing favourable. (SEC)
The $1 billion refinancing completed in May is expected to save about $15 million in annual interest expense, which should support future earnings once the one-off refinancing charge is behind it. (Encore Capital Group)
Legal collection costs rose 21% to $96.6 million in Q2, faster than revenue growth of 11%; continued cost inflation could limit operating leverage. (SEC)
Funding remains a material earnings burden: Q2 interest expense was $73.9 million and the May refinancing added a $30.5 million debt-extinguishment charge, equal to about $1 per share. (SEC, Encore Capital Group)
Encore’s results are heavily exposed to the U.S., which supplied about 84% of Q2 portfolio purchases; meanwhile European collections were broadly flat, with subdued lending, low delinquencies and competition limiting growth opportunities. (SEC, Encore Capital Group)
Data summarised monthly by Lightyear AI. Last updated on 26 Oct 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
Fund name | Fund size | $ECPG weighting |
|---|---|---|
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.12% |
iShares S&P Small Cap 600£ISP6 | $3.2B | 0.12% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | $3.2B | 0.09% |
iShares MSCI USA Small Cap CTB Enhanced ESG£CUS1 | $3.2B | 0.09% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.07% |
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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