Encore Capital Group Inc ECPG

98.41 0.83 0.85% as of 25 Sep
Market cap
$2.1B
P/E
7.2×

Insider Decisions

Total sells 2.35
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — 3 2 — — 1 — — 2 — — —
Insider Ownership 6.37%

Capital & Financial Ratios

Market Cap 2,070.00
Revenue 1,901.19
Net Income 301.56
Free Cash Flow 162.79
Net Debt 3,996.58
Current Ratio 0.96
Debt/Equity 3.87
P/E ratio 7.24
P/S ratio 1.12
P/B ratio 1.97
Past 5Y EPS Growth 18.74%
This Y EPS Growth 23.90%
Next Y EPS Growth 8.16%
Next 5Y EPS Growth 13.00%
in millions of $

Dividends

Payout Ratio 0.00
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2023 Powerpack
2022 Powerpack
2021 Powerpack
2020 Powerpack
2019 Powerpack
2017 Powerpack
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 158 200 157 183
Receivables — — — —
Inventory — — — —
Other — — — —
158 200 157 183
2023 2024 2025 Q'26
Payables 190 234 230 191
ST’ Debt — — — —
Other — — — —
190 234 230 191
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 4.58% 3.33% 8.15%
Cash Flow 2.81% (13.31%) (10.08%)
Earnings 18.99% 3.93% 9.70%
Book Value 4.93% (4.35%) (6.10%)

Revenue

Mar Jun Sep Dec Year
’26 475 492 — — —
’25 393 442 460 474 1,769
’24 328 355 367 266 1,316
’23 313 323 310 277 1,223
’22 500 357 308 234 1,398
’21 417 428 413 357 1,614
’20 289 426 404 383 1,501
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 82 (29) — — —
’25 45 10 82 17 153
’24 51 36 46 24 156
’23 36 27 54 37 153
’22 55 44 56 56 211
’21 69 80 63 91 303
’20 71 139 40 63 313
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 77 (38) — — —
’25 38 3 76 48 165
’24 44 28 40 71 183
’23 31 22 46 54 154
’22 47 39 47 28 162
’21 65 73 49 113 301
’20 63 126 31 51 278
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 3.86 2.81 — — —
’25 1.93 2.49 3.17 3.37 10.91
’24 0.95 1.34 1.26 (9.42) (5.83)
’23 0.75 1.08 0.79 (11.40) (8.72)
’22 6.40 2.29 1.22 (3.11) 7.46
’21 2.97 3.07 2.66 2.53 11.26
’20 (0.33) 4.13 1.72 1.17 6.68
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1.5
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
16.09 27.80 20.38 22.19 15.27 29.21 44.06 34.74 39.64 26.45

Analyst estimates 2026–2028

Powerpack
Low Price
30.40 52.00 47.80 39.19 49.01 62.39 72.73 58.46 54.55 56.67
High Price
6,700 8,200 7,900 7,300 7,725 6,604 6,900 7,400 7,350 7,350
Employees
0 0 0 0 0 0 0 0 0 0
Revenue/Emp
1,029 1,187 1,362 1,398 1,501 1,614 1,398 1,223 1,316 1,769
Revenue
100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Gross Margin
57 131 156 201 283 437 311 (180) (96) 336
EBT
5.57% 11.05% 11.49% 14.40% 18.84% 27.04% 22.24% (14.74%) (7.31%) 19.00%
EBT Margin
17 79 110 169 213 351 195 (206) (139) 257
Net Income
35 40 41 52 43 50 50 299 152 29
Depreciation
40.03 45.70 48.11 44.78 47.77 53.59 57.92 51.66 55.14 76.13
Revenue/Sh
2.98 3.20 4.09 5.38 6.74 11.64 8.06 (8.72) (5.83) 11.05
Earnings/Sh
5.07 4.77 6.60 7.84 9.96 10.06 8.73 6.46 6.54 6.59
Cash Flow/Sh
(1.23) (1.08) (2.38) 2.19 (1.10) (0.07) (2.02) 0.04 1.14 0.49
Capex/Sh
3.84 3.68 4.21 10.03 8.85 9.99 6.70 6.50 7.68 7.08
Free CF/Sh
21.46 22.02 28.95 32.86 38.82 39.34 48.86 39.57 32.14 42.04
Book Value/Sh
26 26 28 31 31 30 24 24 24 23
Shares
9.82 13.13 5.80 6.58 5.78 5.35 6.33 0.00 0.00 4.89
PE Ratio
0.73 0.92 0.49 0.79 0.82 1.16 0.85 1.00 0.87 0.71
PS Ratio
1.36 1.91 0.81 1.08 1.00 1.58 1.01 1.30 1.49 1.29
PB Ratio
3.31 3.64 2.94 3.17 2.88 2.90 2.82 3.58 3.50 2.89
EV/Sales
34.54 45.20 33.51 14.13 15.94 15.55 24.38 28.46 25.16 31.03
EV/FCF
130 124 187 245 313 303 211 153 156 153
Op' Cash Flow
(32) (28) (67) 68 (35) (2) (49) 1 27 11
Capex
99 96 119 313 278 301 162 154 183 165
FCF
(85) (73) (131) (32) (27) (40) (54) (32) (34) (73)
Working Cap'
2,806 3,447 3,491 3,513 3,282 2,997 2,899 3,318 3,673 4,001
Total Debt
2,656 3,235 3,333 3,321 3,092 2,808 2,755 3,160 3,473 3,845
Net Debt
552 572 820 1,025 1,220 1,185 1,180 937 767 977
Sh' Equity
1.95% 2.04% 2.54% 3.52% 4.33% 7.41% 4.27% (4.52%) (2.96%) 5.07%
ROA
1.12% 2.15% 2.36% 2.89% 4.10% 6.83% 5.00% (2.46%) (1.14%) 4.36%
ROIC
13.25% 14.81% 16.65% 18.20% 18.87% 29.17% 16.45% (19.52%) (16.34%) 29.45%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Encore Capital Group Inc (ECPG) key facts

  • Encore Capital Group Inc (ECPG) is a Credit Services company in the Financial sector, listed on Nasdaq.
  • Encore Capital Group Inc’s revenue for fiscal 2025 (year ended December 2025) was $1.8 billion, up 34.4% from fiscal 2024.
  • Net income was $256.8 million, or $11.05 per share (basic), a net margin of 14.5%.
  • As of September 25, 2026, ECPG traded at $98.41, a market capitalization of $2.1 billion.
  • At that price the stock trades at 7.2× trailing-twelve-month earnings and 1.1× sales.
  • Return on equity was 29.5% and debt-to-equity 3.87.

Source: company filings (standardised) and stockrow calculations.

Encore Capital Group Inc (ECPG) Latest News

News by impact score

Fine-tune

22 Sep

4

Encore Capital Group buys charged-off consumer debt from banks and collects on portfolios, benefiting from a stressed U.S. consumer. In the latest quarter, revenue rose to $491.9 million, and collections hit a quarterly record of $737 million as the company bought more U.S. debt portfolios; net income was $64 million, or $2.81 per share, beating expectations. Operating expenses rose only 5% while collections grew 13%, signaling improving efficiency. Management raised full-year guidance to $2.8-$2.85 billion in collections and $13-$14 per share in earnings. Refinancing and debt actions leave little maturities until 2028. Analysts remain positive, and the stock has surged, but the story hinges on the credit cycle remaining unfavorable for consumers; a recovery would raise inventory costs and could cool growth, potentially altering the outlook. Tailwinds from elevated consumer distress boost earnings now but are cyclical and could reverse, affecting future performance.

4 Sep

3

Encore Capital Group (ECPG) reported Q2 earnings that earned top marks in specialty finance. Positive quarterly earnings can lift near-term stock performance and sentiment without altering long-term strategy.

11 Aug

3

Encore Capital Group Inc raised its 2026 outlook, prompting questions on whether the move will generate additional earnings growth. Raised 2026 outlook signals improved earnings prospects for Encore Capital Group Inc.

3

Encore Capital Group Inc shares rose 16.3% over three months driven by record collections and higher EPS. Record collections and higher EPS strengthen financial performance and market position.

10 Aug

3

Encore Capital Group Inc (ECPG) receives a rating upgrade to Strong Buy. Strong Buy rating upgrade can lift near-term investor sentiment and share price for ECPG.

6 Aug

4 transcript

Encore Capital Group Inc posted record collections in Q2 2026 earnings call, signaling strong operational results. Record collections demonstrate robust cash generation that can materially lift future earnings and valuation.

3

Encore Capital Group Inc missed Q2 earnings expectations despite year-over-year revenue growth and record collections. Q2 earnings miss offset by revenue growth and record collections indicates moderate influence on future trajectory.

5 Aug

4 transcript

Encore Capital Group Inc (ECPG) released Q2 earnings call highlights covering financial results, operational metrics, and forward-looking commentary on collections and portfolio performance. Q2 results and management commentary provide critical insights into financial health and strategic direction affecting market performance.

4

Encore Capital Group Inc reported stronger-than-expected Q2 CY2026 results. Strong quarterly earnings beats can drive substantial stock valuation changes and market perception shifts.

3

Encore Capital Group (ECPG) reported Q2 earnings below estimates. Q2 earnings miss indicates weaker financial performance likely pressuring near-term stock valuation.

3

Encore Capital Group Inc (ECPG) announced its financial results for the second quarter of 2026. Quarterly earnings releases can moderately influence stock price and investor views on ECPG.

24 Jun

3

ECPG stock outlook depends on U.S. supply and collection strength. U.S. supply and collection strength directly influence ECPG performance and trajectory.

3

ECPG rallied after earnings beat and reset higher, prompting questions on whether shares remain undervalued. Earnings reset and post-rally valuation analysis can shift near-term investor sentiment and trading around ECPG.

3

Encore Capital Group Inc trends indicate tech gains alongside margin risks extending into 2026. Tech gains and margin risks through 2026 point to moderate effects on financial performance and positioning.

18 May

3

Encore Capital Group refinances multi-currency debt to optimize capital structure, cut interest costs and reduce FX exposure, potentially improving liquidity and investor appeal for ECPG shares. Multi-currency refinancing strengthens balance sheet flexibility and may lower funding costs without fundamentally shifting core business trajectory.

13 May

4

Encore Capital Group, Inc. announced the pricing of an upsized senior secured floating rate notes offering. Upsized senior secured notes offering provides significant new capital to support operations and growth.

4

Encore Capital Group Inc. (ECPG) reported boosted Q1 results from technology-driven collections improvements amid a stable U.S. debt market. Technology enhancements in collections delivered strong Q1 financial results in a stable debt market, likely enhancing future performance and investor sentiment.

12 May

4 transcript

Encore Capital Group Inc (ECPG) released Q1 2026 earnings call transcript detailing quarterly financial results, management discussion, and forward-looking guidance. Earnings transcripts disclose core financial metrics, operational updates, and strategic outlook directly shaping investor expectations and stock trajectory.

4

Encore Capital Group, Inc. announced a proposed offering of senior secured floating rate notes. Proposed senior secured floating rate notes offering constitutes a major financing maneuver that could reshape capital structure, debt costs, and investor sentiment.

3

Wall Street analysts forecast a 26.72% surge for Encore Capital Group (ECPG) stock. Analyst predictions of 26.72% upside suggest moderately noticeable influence on investor sentiment and short-term performance.

11 May

4

Encore Capital Group, Inc. announced the pricing of its upsized $600 million senior secured notes offering due 2029 at 8.375%, upsized from initial $500 million, with proceeds to repay existing debt and for general corporate purposes. Upsized debt offering secures additional capital at favorable terms, significantly strengthening balance sheet and enabling growth amid competitive debt purchasing landscape.

4

Encore Capital Group, Inc. announced a proposed offering of senior secured notes. Proposed senior secured notes offering indicates a major financing move that could significantly impact capital structure, debt levels, and investor sentiment.

9 May

4

Encore Capital Group (ECPG) reported record Q1 2026 results and issued strong guidance, drawing investor focus and prompting a valuation review. Record Q1 2026 results and upbeat guidance signal major positive shifts in financial performance and investor sentiment.

8 May

3

Encore Capital Group Inc (ECPG) shows fast-paced momentum but remains a bargain stock. Fast-paced momentum and bargain valuation could moderately boost investor sentiment and stock performance.

7 May

4

Encore Capital Group Inc summarized its Q1 2026 earnings call, detailing financial results, portfolio purchases, cash generation, and outlook amid favorable market conditions. Q1 earnings highlights including revenue growth and updated guidance directly shape investor expectations and stock trajectory.

6 May

4

Encore Capital Group Inc (ECPG) Q1 earnings and revenues beat estimates. Q1 earnings and revenue beats indicate strong financial performance, likely boosting stock price and investor confidence.

4

Encore Capital Group (NASDAQ:ECPG) delivered impressive Q1 CY2026 results. Impressive Q1 CY2026 results indicate strong financial health, positively influencing future performance and investor sentiment.

4

Encore Capital Group Inc. (ECPG) announced first quarter 2026 financial results. Quarterly earnings announcements significantly influence financial performance metrics and investor sentiment for ECPG.

3

Encore Capital Group released Q1 earnings call highlights, covering financial results, operational updates, and forward guidance. Q1 earnings highlights provide insights into recent financial performance and outlook, moderately influencing investor sentiment and stock trajectory.

24 Apr

3

Encore Capital Group (ECPG) narrative shifts with updated price targets and fair value estimates. New targets and fair value updates moderately influence investor sentiment and ECPG's market trajectory.

stockrow.com/ECPG · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com