Encore Capital Group, Inc. ECPG R2K
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
Generates a return on equity of 32.0%, reflecting efficient use of shareholder capital.
Net profit has compounded at 13.7% per year over the last five years.
Trades at a P/E of 7.0, below the sector median of 13.3.
Maintains a net profit margin of 16.0%.
Recent Developments
- Dec 2025 Revenue of $88.39M (+4.3% YoY); net profit $256.83M.
- Trailing 12 Months Year-on-year growth — revenue +21.0%, earnings +100.0%.
- 5-Year Trend Long-term compounding — revenue CAGR -7.7%, profit CAGR 13.7%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | -7.66% |
| 1 Year: | 21.00% |
Compounded Profit Growth
| 5 Years: | 13.67% |
| 1 Year: | 100.00% |
Stock Price Performance
| 1 Year: | +133.00% |
| 6 Months: | +60.07% |
| 3 Months: | +14.45% |
| 1 Month: | +11.37% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)55.61 · Neutral
P/E of 6.98 is below the sector median of 13.30 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
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 Charts
No fundamental data available for this stock.
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 32.0%.
- Profit CAGR of 13.7% over 5 years.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
- Revenue declined at -7.7% CAGR over 5 years.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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 | 89.59 | 6.98 | $1.92B | 0.00% | - | 31.96% | -7.66% | 13.67% |
| 2 | JPM JPMorgan Chase & Co. SPX | 342.89 | 16.42 | $918.78B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 491.09 | 14.61 | $686.70B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 356.02 | 31.01 | $590.89B | 0.83% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 538.02 | 31.10 | $471.86B | 0.71% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 60.62 | 15.04 | $430.20B | 2.00% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 227.67 | 20.62 | $359.10B | 1.87% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,140.00 | 20.83 | $336.31B | 1.69% | - | 14.55% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 85.29 | 13.18 | $261.00B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Dec 2014 | Mar 2015 | Jun 2015 | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | 19.97M | 18.68M | 23.11M | - | 35.97M | 39.45M | 37.39M | - | 34.02M | 32.32M | 31.06M | - | 28.68M | 23.95M | 29.79M | 32.52M | 32.06M | 29.32M | 26.15M | 23.79M | 21.99M | 22.59M | 21.01M | 19.89M | 20.38M | 21.11M | 22.77M | 22.55M | 22.30M | 22.18M | 20.64M |
| Operating Income | - | 82.89M | 84.30M | 30.73M | - | 83.50M | 91.75M | -21.18M | - | 75.84M | 80.59M | 103.87M | - | 88.45M | 103.43M | 97.53M | - | 111.06M | 113.73M | 108.34M | - | 47.20M | 219.69M | 142.46M | 168.31M | 174.29M | 166.65M | 265.01M | 118.95M | 80.52M | 70.14M | 88.07M | 75.52M | 83.59M | 101.84M | 106.09M | 129.34M | 150.73M | 173.18M | 183.99M |
| Net Income | 26.65M | 1.88M | 1.66M | 2.29M | -29.21M | 25.69M | 29.59M | -1.52M | 22.81M | 22.10M | 20.25M | 28.19M | 12.68M | 21.83M | 26.30M | 20.73M | 47.04M | 49.25M | 36.66M | 38.87M | 43.09M | -10.45M | 130.33M | 54.65M | 94.63M | 96.50M | 83.57M | 175.75M | 60.44M | 31.49M | 18.63M | 26.30M | 19.34M | 23.24M | 32.18M | 30.64M | 46.80M | 58.72M | 74.66M | 86.24M |
| Diluted EPS | 0.98 | 1.08 | 1.03 | -0.43 | -0.04 | 0.99 | 1.14 | -0.06 | 0.88 | 0.85 | 0.77 | 1.05 | 0.48 | 0.83 | 1.00 | 0.69 | 1.50 | 1.57 | 1.17 | 1.23 | 1.36 | -0.33 | 4.13 | 1.72 | 2.97 | 3.07 | 2.66 | 6.40 | 2.29 | 1.22 | 0.75 | 1.08 | 0.79 | 0.95 | 1.34 | 1.26 | 1.93 | 2.49 | 3.17 | 3.86 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 316.42M | 364.29M | 448.75M | 556.78M | 773.36M | 1.04B | 1.13B | 82.64M | 90.09M | 148.04M | 126.53M | 115.12M | 120.78M | 94.92M | 83.14M | 84.78M | 88.39M |
| Operating Income | 66.64M | 94.34M | 120.18M | 155.08M | 198.36M | 308.47M | 282.25M | 241.51M | 324.54M | 405.30M | 446.35M | 533.56M | 633.27M | 462.17M | 16.54M | 157.33M | 626.65M |
| Net Income | 33.05M | 49.05M | 60.96M | 69.48M | 75.30M | 103.73M | 45.13M | 76.57M | 83.23M | 115.89M | 167.87M | 211.85M | 350.78M | 194.56M | -206.49M | -139.24M | 256.83M |
| Diluted EPS | 1.37 | 1.95 | 2.37 | 2.69 | 2.87 | 3.77 | 1.69 | 2.96 | 3.15 | 4.06 | 5.33 | 6.68 | 11.26 | 7.46 | -8.72 | -5.83 | 10.91 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Mar 2011 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 736.47M | - | 812.48M | 1.17B | 2.69B | 3.75B | 4.17B | 3.67B | 4.49B | 4.63B | 4.91B | 4.86B | 4.61B | 4.51B | 4.63B | 4.79B | 5.34B |
| Total Equity | 203.43M | 243.09M | 302.70M | - | 371.54M | 405.82M | 571.90M | 623.00M | 596.45M | 559.30M | 581.86M | 818.01M | 1.02B | 1.22B | 1.19B | 1.18B | 936.54M | 767.33M | 976.75M |
| Cash & Equivalents | 10.34M | 8.39M | 10.90M | 8.05M | 8.05M | 17.51M | 126.21M | 91.52M | 123.99M | 149.76M | 212.14M | 157.42M | 192.34M | 189.18M | 189.65M | 143.91M | 158.36M | 199.87M | 156.78M |
| Long Term Debt | - | - | - | - | - | 100.56M | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | - | - | 433.77M | - | 440.95M | 765.52M | 2.08B | 3.09B | 3.53B | 3.07B | 3.77B | 3.81B | 3.88B | 3.64B | 3.42B | 3.33B | 3.69B | 4.02B | 4.36B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 76.52M | 75.47M | 84.58M | 98.52M | 74.78M | 111.54M | 116.15M | 130.33M | 123.82M | 186.79M | 244.73M | 312.86M | 303.05M | 210.68M | 152.99M | 156.17M | 153.20M |
| Investing Cash Flow | -79.17M | -142.81M | -88.09M | -343.77M | -217.24M | -755.20M | -472.71M | -168.79M | -452.13M | -397.52M | -202.33M | 82.83M | 339.90M | -130.24M | -401.94M | -440.43M | -242.59M |
| Financing Cash Flow | 699.00K | 69.85M | 651.00K | 254.71M | 245.98M | 626.32M | 400.12M | 43.25M | 378.22M | 166.38M | -19.77M | -403.20M | -655.69M | -107.44M | 268.30M | 317.77M | 44.85M |
| 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 | 71.89M | 72.75M | 79.02M | 92.25M | 61.35M | 88.46M | 87.53M | 98.66M | 95.69M | 119.32M | 205.13M | 278.26M | 269.68M | 173.46M | 128.18M | 127.16M | 126.93M |
| Share Buybacks | - | - | - | 49.27M | 729.00K | 16.82M | 33.19M | 0 | 0 | - | 0 | 0 | 390.61M | 87.01M | 0 | 0 | 90.40M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| 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% | 524.3% | 486.9% | 19.9% | 185.6% | 709.0% |
| 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% | 290.4% | 205.0% | -248.4% | -164.2% | 290.6% |
| 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% | 29.6% | 16.5% | -22.0% | -18.1% | 26.3% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 18.16% | 3.89M | $352.36M |
| 2 | Stephens Investment Management Group LLC | 6.07% | 1.30M | $117.75M |
| 3 | Vanguard Portfolio Management LLC | 5.80% | 1.24M | $112.46M |
| 4 | Dimensional Fund Advisors LP | 4.70% | 1.01M | $91.14M |
| 5 | Vanguard Capital Management LLC | 4.37% | 936.06K | $84.71M |
| 6 | State Street Corporation | 3.96% | 849.46K | $76.88M |
| 7 | Goldman Sachs Group Inc | 3.22% | 689.85K | $62.43M |
| 8 | Geode Capital Management, LLC | 2.90% | 622.58K | $56.34M |
| 9 | Wellington Management Group, LLP | 2.77% | 594.37K | $53.79M |
| 10 | Shaw D.E. & Co., Inc. | 2.44% | 522.33K | $47.27M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for ECPG
Encore Capital Group (ECPG) Stock Looks Cheap On Earnings Yet Pricey On Broader Value - Yahoo Finance
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Encore Capital Group Inc (NASDAQ:ECPG) Receives Consensus Recommendation of "Moderate Buy" from Analysts - MarketBeat
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Encore Capital schedules Aug. 5 call after Q2 results - Stock Titan
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ECPG Stock Outlook Rests on U.S. Supply and Collection Strength - The Globe and Mail
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3 Reasons to Sell ECPG and 1 Stock to Buy Instead - Yahoo Finance
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Wendy Hannam sells 21,706 ECPG shares via Morgan Stanley (NASDAQ: ECPG) - Stock Titan
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ECPG — Frequently Asked Questions
What is the current share price of Encore Capital Group, Inc. (ECPG)?
As of 2026-07-14 21:23 PDT, Encore Capital Group, Inc. (ECPG) trades at $89.59 on NasdaqGS. Its 52-week range is $35.97 to $93.79.
What is the market capitalisation of ECPG?
Encore Capital Group, Inc. (ECPG) has a market capitalisation of $1.92B on NasdaqGS.
What is the P/E ratio of ECPG?
ECPG trades at a trailing price-to-earnings (P/E) ratio of 6.98. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.69.
What is the return on equity (ROE) of ECPG?
ECPG has a return on equity (ROE) of 31.96%.
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.