Encore Capital Group, Inc. ECPG R2K
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.
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Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
PROS
- Strong return on equity of 32.0%.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | ECPG Encore Capital Group, Inc. R2K | 79.93 | 6.23 | $1.71B | - | 12.07% | 31.96% | 8.15% | 9.70% |
| 2 | JPM JPMorgan Chase & Co. SPX | 299.31 | 14.33 | $802.00B | 2.00% | - | 16.47% | 12.50% | 14.83% |
| 3 | V Visa Inc. SPX | 326.36 | 28.48 | $620.65B | 0.82% | 38.38% | 60.35% | 10.92% | 10.28% |
| 4 | MA Mastercard Incorporated SPX | 493.98 | 28.57 | $436.47B | 0.70% | 61.47% | - | 13.82% | 14.66% |
| 5 | MS Morgan Stanley SPX | 208.00 | 18.84 | $328.08B | 1.92% | - | 16.39% | 9.52% | 15.20% |
| 6 | GS The Goldman Sachs Group, Inc. SPX | 1,025.56 | 18.73 | $302.55B | 1.76% | - | 14.55% | 7.16% | 15.11% |
| 7 | WFC Wells Fargo & Company SPX | 77.54 | 11.98 | $237.29B | 2.32% | - | 12.03% | 4.02% | 15.98% |
| 8 | BLK BlackRock, Inc. SPX | 1,046.88 | 26.32 | $162.51B | 2.19% | 4.89% | 11.90% | 10.65% | 2.36% |
| 9 | SCHW The Charles Schwab Corporation SPX | 87.35 | 17.37 | $151.91B | 1.47% | - | 19.08% | 4.83% | 7.21% |
Quarterly Results
Figures in USD.
| Metric | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | 392.77M | 442.12M | 460.35M | 473.55M | 475.41M |
| Cost of Revenue | 180.82M | 205.76M | 203.73M | 212.66M | 210.10M |
| Gross Profit | 211.96M | 236.36M | 256.62M | 260.89M | 265.31M |
| Operating Expenses | 82.61M | 85.63M | 83.45M | 87.50M | 81.32M |
| Operating Income | 129.34M | 150.73M | 173.18M | 173.39M | 183.99M |
| EBITDA | 135.00M | 155.84M | 177.58M | 176.96M | 189.28M |
| Interest Expense | 67.20M | 70.52M | 70.55M | 72.21M | 70.69M |
| Pretax Income | 60.46M | 78.02M | 99.86M | 97.82M | 111.73M |
| Tax Provision | 13.66M | 19.30M | 25.20M | 21.16M | 25.49M |
| Net Income | 46.80M | 58.72M | 74.66M | 76.66M | 86.24M |
| Diluted EPS | 1.93 | 2.49 | 3.17 | 3.37 | 3.86 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | - | 1.40B | 1.22B | 1.32B | 1.77B |
| Cost of Revenue | - | 628.65M | 651.44M | 712.80M | 802.97M |
| Gross Profit | - | 769.70M | 571.24M | 603.56M | 965.83M |
| Operating Expenses | - | 303.45M | 297.78M | 327.08M | 339.18M |
| Operating Income | - | 466.25M | 273.46M | 276.47M | 626.65M |
| EBITDA | - | 510.72M | 63.35M | 174.00M | 645.39M |
| Interest Expense | - | 153.31M | 201.88M | 237.78M | 280.47M |
| Pretax Income | - | 310.99M | -180.26M | -96.22M | 336.16M |
| Tax Provision | - | 116.42M | 26.23M | 43.03M | 79.33M |
| Net Income | - | 194.56M | -206.49M | -139.24M | 256.83M |
| Diluted EPS | - | 7.46 | -8.72 | -5.83 | 10.91 |
Compounded Sales Growth
| 5 Years: | 8.15% |
| 1 Year: | 21.00% |
Compounded Profit Growth
| 5 Years: | 9.70% |
| 1 Year: | 100.00% |
Stock Price Performance
| 1 Year: | +110.90% |
| 6 Months: | +55.23% |
| 3 Months: | +17.04% |
| 1 Month: | -2.44% |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Total Assets | - | 4.51B | 4.63B | 4.79B | 5.34B |
| Current Assets | - | 208.64M | 200.01M | 275.73M | 240.15M |
| Cash & Equivalents | - | 143.91M | 158.36M | 199.87M | 156.78M |
| Inventory | - | - | - | - | - |
| Receivables | - | 16.09M | 9.08M | 18.95M | 21.11M |
| Total Liabilities | - | 3.33B | 3.69B | 4.02B | 4.36B |
| Current Liabilities | - | 266.61M | 219.24M | 233.54M | 230.26M |
| Long Term Debt | - | 2.82B | 3.29B | 3.67B | 4.00B |
| Total Debt | - | 2.90B | 3.32B | 3.67B | 4.00B |
| Total Equity | - | 1.18B | 936.54M | 767.33M | 976.75M |
| Shares Outstanding | - | 23.32M | 23.55M | 23.69M | 21.69M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 210.68M | 152.99M | 156.17M | 153.20M |
| Investing Cash Flow | - | -130.24M | -401.94M | -440.43M | -242.59M |
| Financing Cash Flow | - | -107.44M | 268.30M | 317.77M | 44.85M |
| Capital Expenditure | - | -76.56M | -51.71M | -29.22M | -26.27M |
| Free Cash Flow | - | 134.12M | 101.28M | 126.95M | 126.93M |
| Net Change in Cash | - | -27.00M | 19.35M | 33.51M | -44.53M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Gross Margin % | - | 55.0% | 46.7% | 45.9% | 54.6% |
| Operating Margin % | - | 33.3% | 22.4% | 21.0% | 35.4% |
| Net Margin % | - | 13.9% | -16.9% | -10.6% | 14.5% |
| ROE % | - | 16.5% | -22.0% | -18.1% | 26.3% |
| ROCE % | - | 11.0% | 6.2% | 6.1% | 12.3% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 18.16% | 3.89M | $311.21M |
| 2 | Stephens Investment Management Group LLC | 6.07% | 1.30M | $104.00M |
| 3 | Vanguard Portfolio Management LLC | 5.80% | 1.24M | $99.33M |
| 4 | Dimensional Fund Advisors LP | 4.70% | 1.01M | $80.49M |
| 5 | Vanguard Capital Management LLC | 4.37% | 936.06K | $74.82M |
| 6 | State Street Corporation | 3.96% | 849.46K | $67.90M |
| 7 | Goldman Sachs Group Inc | 3.22% | 689.85K | $55.14M |
| 8 | Geode Capital Management, LLC | 2.90% | 622.58K | $49.76M |
| 9 | Wellington Management Group, LLP | 2.77% | 594.37K | $47.51M |
| 10 | Shaw D.E. & Co., Inc. | 2.44% | 522.33K | $41.75M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
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