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Encore Capital Group, Inc. ECPG R2KR3KFINANCIAL

Financial Services · Credit Services · United States
https://www.encorecapital.com
Company Profile ↓
$97.30
+133.33% 1Y
Mkt Cap$2.06B
P/E7.39
P/B1.97
52W High$103.74
52W Low$40.53
Book Value$50.86
EPS (TTM)$13.16

Company Overview

Encore Capital Group, Inc., a specialty finance company, provides debt recovery solutions and other related services for consumers across financial assets worldwide. The company purchases portfolios of defaulted consumer receivables at discounts to face value, as well as manages them by working with individuals as they repay their obligations and works toward financial recovery. It is also involved in the provision of debt servicing, such as early stage collection, business process outsourcing, and contingent collection services. In addition, the company engages in debt servicing and other portfolio management services to credit originator for non-performing loans. Further, it offers credit management services. Encore Capital Group, Inc. was incorporated in 1999 and is headquartered in San Diego, California.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 30.5%, reflecting efficient use of shareholder capital.

Consistent Profit Growth

Net profit has compounded at 14.6% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 12.2% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 7.4, below the sector median of 14.5.

Healthy Margins

Maintains a net profit margin of 15.9%.

Recent Developments

  • Dec 2025 Revenue of $1.77B (+34.4% YoY); net profit $256.83M.
  • Trailing 12 Months Year-on-year growth — revenue +11.3%, earnings +12.9%.
  • 5-Year Trend Long-term compounding — revenue CAGR 12.2%, profit CAGR 14.6%.

Growth & Price Performance

Compounded Sales Growth

5 Years:12.16%
1 Year:11.30%

Compounded Profit Growth

5 Years:14.65%
1 Year:12.90%

Stock Price Performance

1 Year:+133.33%
6 Months:+37.66%
3 Months:+19.45%
1 Month:-0.59%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 90% of range
$40.53 $103.74
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)49.93 · Neutral
Price Performance
1M-0.59%
3M+19.45%
6M+37.66%
1Y+133.33%
Valuation vs Sector

P/E of 7.39 is below the sector median of 14.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Strong return on equity of 30.5%.
  • Compounding revenue at 12.2% over 5 years.
  • Profit CAGR of 14.6% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
7.39
Industry PE
14.52
Forward P/E
7.29
PEG Ratio
0.17
Book Value
$50.86
Price to Book
1.97
P/S
1.12
EV/EBITDA
8.21
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
12.16%
Profit 5Y
14.65%
Revenue (YoY)
11.30%
Earnings (YoY)
12.90%

Profitability & Returns

ROCE
-
ROE
30.54%
ROA
8.34%
Profit Margin
15.86%
Op Margin
38.00%
Gross Margin
100.00%
EPS (Latest Qtr)
$2.81
EPS (TTM)
$13.16

Balance Sheet & Liquidity

Debt/Equity
3.87
Quick Ratio
25.12
Current Ratio
25.12
Debt
$4.18B
Total Assets
$5.57B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
3.90%
Chg in Prom Hold
0.04%
FII / Inst Holding
110.04%
Chg in FII Hold
0.03%

Financial Snapshot

Enterprise Value
$2.06B
Total Revenue (TTM)
$1.90B
EBITDA
$745.54M
Free Cash Flow
$-88.42M
Operating Cash Flow
$151.34M
Shares Outstanding
21.21M
Gross Margin
100.00%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 ECPG Encore Capital Group, Inc. R2KR3KFINANCIAL 97.30 7.39 $2.06B 0.00% - 30.54% 12.16% 14.65%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue -------19.97M18.68M23.11M-35.97M39.45M37.39M-34.02M32.32M31.06M-28.68M23.95M29.79M32.52M32.06M29.32M26.15M23.79M21.99M22.59M21.01M19.89M20.38M21.11M22.77M392.77M442.12M460.35M473.55M475.41M18.23M
Cost of Revenue ----------------------------------180.82M205.76M203.73M212.66M210.10M-
Gross Profit ----------------------------------211.96M236.36M256.62M260.89M265.31M-
Operating Expenses ----------------------------------82.61M85.63M83.45M87.50M81.32M-
Operating Income 84.30M30.73M-83.50M91.75M-21.18M-75.84M80.59M103.87M-88.45M103.43M97.53M-111.06M113.73M108.34M-47.20M219.69M142.46M168.31M174.29M166.65M265.01M118.95M80.52M70.14M88.07M75.52M83.59M101.84M106.09M129.34M150.73M173.18M173.39M183.99M186.90M
EBITDA ----------------------------------135.00M155.84M177.58M176.96M189.28M-
Interest Expense ----------------------------------67.20M70.52M70.55M72.21M70.69M-
Pretax Income ----------------------------------60.46M78.02M99.86M97.82M111.73M-
Tax Provision ----------------------------------13.66M19.30M25.20M21.16M25.49M-
Net Income 1.66M2.29M-29.21M25.69M29.59M-1.52M22.81M22.10M20.25M28.19M12.68M21.83M26.30M20.73M47.04M49.25M36.66M38.87M43.09M-10.45M130.33M54.65M94.63M96.50M83.57M175.75M60.44M31.49M18.63M26.30M19.34M23.24M32.18M30.64M46.80M58.72M74.66M76.66M86.24M64.00M
Diluted EPS 1.03-0.43-0.040.991.14-0.060.880.850.771.050.480.831.000.691.501.571.171.231.36-0.334.131.722.973.072.666.402.291.220.751.080.790.951.341.261.932.493.173.373.862.81

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 316.42M364.29M448.75M556.78M773.36M1.04B1.13B82.64M90.09M148.04M126.53M115.12M-1.40B1.22B1.32B1.77B
Cost of Revenue -------------628.65M651.44M712.80M802.97M
Gross Profit -------------769.70M571.24M603.56M965.83M
Operating Expenses -------------303.45M297.78M327.08M339.18M
Operating Income 66.64M94.34M120.18M155.08M198.36M308.47M282.25M241.51M324.54M405.30M446.35M533.56M-466.25M273.46M276.47M626.65M
EBITDA -------------510.72M63.35M174.00M645.39M
Interest Expense -------------153.31M201.88M237.78M280.47M
Pretax Income -------------310.99M-180.26M-96.22M336.16M
Tax Provision -------------116.42M26.23M43.03M79.33M
Net Income 33.05M49.05M60.96M69.48M75.30M103.73M45.13M76.57M83.23M115.89M167.87M211.85M-194.56M-206.49M-139.24M256.83M
Diluted EPS 1.371.952.372.692.873.771.692.963.154.065.336.68-7.46-8.72-5.8310.91

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Mar 2011Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --736.47M-812.48M1.17B2.69B3.75B4.17B3.67B4.49B4.63B4.91B4.86B4.61B4.51B4.63B4.79B5.34B
Total Equity 203.43M243.09M302.70M-371.54M405.82M571.90M623.00M596.45M559.30M581.86M818.01M1.02B1.22B1.19B1.18B936.54M767.33M976.75M
Cash & Equivalents 10.34M8.39M10.90M8.05M8.05M17.51M126.21M91.52M123.99M149.76M212.14M157.42M192.34M189.18M189.65M143.91M158.36M199.87M156.78M
Long Term Debt -----100.56M-------------
Total Liabilities --433.77M-440.95M765.52M2.08B3.09B3.53B3.07B3.77B3.81B3.88B3.64B3.42B3.33B3.69B4.02B4.36B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 76.52M75.47M84.58M98.52M74.78M111.54M116.15M130.33M123.82M186.79M244.73M312.86M303.05M210.68M152.99M156.17M153.20M
Investing Cash Flow -79.17M-142.81M-88.09M-343.77M-217.24M-755.20M-472.71M-168.79M-452.13M-397.52M-202.33M82.83M339.90M-130.24M-401.94M-440.43M-242.59M
Financing Cash Flow 699.00K69.85M651.00K254.71M245.98M626.32M400.12M43.25M378.22M166.38M-19.77M-403.20M-655.69M-107.44M268.30M317.77M44.85M
Capital Expenditure -4.63M-2.72M-5.56M-6.26M-13.42M-23.08M-28.62M-31.67M-28.13M-67.47M-39.60M-34.60M-33.37M-37.22M-24.81M-29.01M-26.27M
Free Cash Flow 71.89M72.75M79.02M92.25M61.35M88.46M87.53M98.66M95.69M119.32M205.13M278.26M269.68M173.46M128.18M127.16M126.93M
Share Buybacks ---49.27M729.00K16.82M33.19M00-00390.61M87.01M0090.40M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -------------55.0%46.7%45.9%54.6%
Operating Margin % 21.1%25.9%26.8%27.9%25.6%29.6%25.0%292.2%360.3%273.8%352.8%463.5%-33.3%22.4%21.0%35.4%
Net Margin % 10.4%13.5%13.6%12.5%9.7%9.9%4.0%92.7%92.4%78.3%132.7%184.0%-13.9%-16.9%-10.6%14.5%
ROE % 13.6%16.2%16.4%17.1%13.2%16.6%7.6%13.7%14.3%14.2%16.4%17.4%-16.5%-22.0%-18.1%26.3%
ROCE % -----------------

Shareholding Pattern

Insiders
3.90%
Institutions
110.04%
Public Float
114.50%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 17.35% 3.68M $364.02M
2 Vanguard Portfolio Management LLC 6.18% 1.31M $129.76M
3 Dimensional Fund Advisors LP 4.94% 1.05M $103.65M
4 Vanguard Capital Management LLC 4.30% 911.28K $90.16M
5 State Street Corporation 4.04% 856.21K $84.71M
6 Geode Capital Management, LLC 3.02% 639.84K $63.31M
7 American Century Companies Inc 2.98% 631.82K $62.51M
8 Arrowstreet Capital, Limited Partnership 2.49% 527.08K $52.15M
9 AQR Capital Management, LLC 2.31% 490.10K $48.49M
10 JPMORGAN CHASE & CO 2.06% 436.18K $43.16M

Analyst View

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Latest News

Recent headlines for ECPG

Google News Fri, 04 Sep 2026

Why Is Encore Capital Group (ECPG) Down 1% Since Last Earnings Report? - Yahoo Finance

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Google News hu, 03 Sep 2026

Encore Capital Group (ECPG) director granted stock units that vest after board service - Stock Titan

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Google News Sat, 05 Sep 2026

Encore Capital Group Inc $ECPG Shares Sold by Wellington Management Group LLP - marketbeat.com

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Google News hu, 03 Sep 2026

Encore Capital Group Inc (ECPG) Stock Up 3.8% but GF Value Says Overvalued -- GF Score: 66/100 - GuruFocus

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Google News ue, 01 Sep 2026

Encore Capital Group (ECPG) Stock May Be Fairly Valued Following Its 148% Run - webull.com

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Google News ue, 26 May 2026

ECPG - Encore Capital Group Inc Stock Price and Quote - Finviz

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ECPG — Frequently Asked Questions

What is the current share price of Encore Capital Group, Inc. (ECPG)?

As of 2026-09-07 16:24 PDT, Encore Capital Group, Inc. (ECPG) trades at $97.30 on NasdaqGS. Its 52-week range is $40.53 to $103.74.

What is the market capitalisation of ECPG?

Encore Capital Group, Inc. (ECPG) has a market capitalisation of $2.06B on NasdaqGS.

What is the P/E ratio of ECPG?

ECPG trades at a trailing price-to-earnings (P/E) ratio of 7.39. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.97.

What is the return on equity (ROE) of ECPG?

ECPG has a return on equity (ROE) of 30.54%.

Is ECPG a good stock to buy?

This page provides a data-driven analysis of Encore Capital Group, Inc. (ECPG), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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