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Encore Capital Group Inc

ECPG Financial Credit Services

Encore Capital Group Inc’s revenue for fiscal 2025 (year ended December 2025) was $1.8 billion, up 34.4% from fiscal 2024.

Revenue
+18.3%
EPS
+80.1%
Free cash flow
+41.2%
Total debt
+7.73%

Quarter to September 2026, against a year earlier

115.46 10.71 −8.49%
Market cap
$2.7B
P/E
7.8×
Fwd P/E
7.4×
Dividend yield
—
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 1.80
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell 2 — — 1 — — 2 — — — — —
Insider Ownership 4.75%

Capital & Financial Ratios $m

Size
Market Cap 2,680.00
Revenue ttm 1,985.38
Net income ttm 350.91
Free cash flow ttm 176.44
Net debt Q 4,079.38
Valuation
P/E 7.75
Forward P/E 7.40
Price / sales 1.35
Forward P/S Powerpack
Price / FCF 14.26
Price / book 2.48
Financial health
Current ratio Q 0.62
Debt / equity Q 3.93
Interest coverage Q —
Growth
Revenue growth Q +18.29% (above 0%: growing)
Operating income growth Q +6.19% (above 0%: growing)
EPS, this year +46.88% (at or above 15%: strong)
EPS, next year A +4.06%
Revenue, next year A +8.04%
EPS, past 5 yrs +10.31%
EPS, next 5 yrs A +13.00%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 56.96%
10-year low 10-year high
P/S against its own 10 years 100.00%
10-year low 10-year high
P/B against its own 10 years 100.00%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 158 200 157 158
Receivables — — — —
Inventory — — — —
Other — — — —
158 200 157 158
2023 2024 2025 Q'26
Payables 190 234 230 257
ST’ Debt — — — —
Other — — — —
190 234 230 257

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%)

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 3.45 Actual 5.57

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 2.20 3.37 Beat by 1.17
Q1 FY26 3.26 3.86 Beat by 0.60
Q2 FY26 3.07 2.81 Miss by 0.26
Q3 FY26 3.45 5.57 Beat by 2.12
Q4 FY26 3.47 — Reports 24 February 2027

EPS $

Mar Jun Sep Dec Year
’26 3.86 2.81 5.57 — —
’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.

Revenue $m

Mar Jun Sep Dec Year
’26 475 492 545 — —
’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
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 82 (29) 107 — —
’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
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 77 (38) 107 — —
’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
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.5
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 1,029 1,187 1,362 1,398 1,501 1,614 1,398 1,223 1,316 1,769 1,985 +6.2% 1,911 1,938 — +4.7%
Gross margin, % 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 0.0 pt
EBT 57 131 156 201 283 437 311 (180) (96) 336 453 +21.7%
EBT margin, % 5.57 11.05 11.49 14.40 18.84 27.04 22.24 (14.74) (7.31) 19.00 22.83 +13.4 pt
Net income 17 79 110 169 213 351 195 (206) (139) 257 351 +35.4%
Per share, $
Per share, $ Revenue 40.03 45.70 48.11 44.78 47.77 53.59 57.92 51.66 55.14 76.13 92.93 +7.4%
Earnings 2.98 3.20 4.09 5.38 6.74 11.64 8.06 (8.72) (5.83) 11.05 16.17 +15.7%
Cash flow 5.07 4.77 6.60 7.84 9.96 10.06 8.73 6.46 6.54 6.59 8.26 +3.0%
Capex (1.23) (1.08) (2.38) 2.19 (1.10) (0.07) (2.02) 0.04 1.14 0.49 0.00 n/m
Free cash flow 3.84 3.68 4.21 10.03 8.85 9.99 6.70 6.50 7.68 7.08 8.26 +7.0%
Book value 21.46 22.02 28.95 32.86 38.82 39.34 48.86 39.57 32.14 42.04 50.49 +7.8%
Shares, m 26 26 28 31 31 30 24 24 24 23 22 (1.1%)
Valuation, ×
Valuation, × P/E 9.82 13.13 5.80 6.58 5.78 5.35 6.33 0.00 0.00 4.89 7.75 5.8
P/S 0.73 0.92 0.49 0.79 0.82 1.16 0.85 1.00 0.87 0.71 1.35 0.8
P/B 1.36 1.91 0.81 1.08 1.00 1.58 1.01 1.30 1.49 1.29 2.48 1.3
EV/Sales 3.31 3.64 2.94 3.17 2.88 2.90 2.82 3.58 3.50 2.89 — 3.2
EV/FCF 34.54 45.20 33.51 14.13 15.94 15.55 24.38 28.46 25.16 31.03 — 26.8
Cash, $m
Cash, $m Operating cash flow 130 124 187 245 313 303 211 153 156 153 176 +1.8%
Capex (32) (28) (67) 68 (35) (2) (49) 1 27 11 11 n/m
Free cash flow 99 96 119 313 278 301 162 154 183 165 176 +5.8%
Balance, $m
Balance, $m Working capital (85) (73) (131) (32) (27) (40) (54) (32) (34) (73) (99) (1.6%)
Net debt 2,656 3,235 3,333 3,321 3,092 2,808 2,755 3,160 3,473 3,845 4,079 +4.2%
Shareholders’ equity 552 572 820 1,025 1,220 1,185 1,180 937 767 977 1,079 +6.6%
Returns, %
Returns, % ROA 1.95 2.04 2.54 3.52 4.33 7.41 4.27 (4.52) (2.96) 5.07 6.41 +3.1 pt
ROIC 1.12 2.15 2.36 2.89 4.10 6.83 5.00 (2.46) (1.14) 4.36 0.00 +3.2 pt
ROE 13.25 14.81 16.65 18.20 18.87 29.17 16.45 (19.52) (16.34) 29.45 34.55 +16.2 pt
People
People Employees 6,700 8,200 7,900 7,300 7,725 6,604 6,900 7,400 7,350 7,350 — +1.0%
Revenue/emp, $m 0.15 0.14 0.17 0.19 0.19 0.24 0.20 0.17 0.18 0.24 — +5.1%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 4 Nov 2026

Encore Capital Group Inc vs peers in Credit Services (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BFH Bread Financial Holdings, Inc. $3.9B 8.0× 8.0× +2.96% (above 0%: growing) −1.26% (below 0%: shrinking) +0.17% (above 0%: growing) 100.00% 76.97% Compare
SLM SLM Corporation $3.2B 6.3× 8.9× −21.40% (below 0%: shrinking) n/m −115.63% (below 0%: shrinking) 57.53% 0.00% Compare
ECPG Encore Capital Group Inc $2.7B 7.8× 7.4× +18.29% (above 0%: growing) +80.12% (above 0%: growing) +41.19% (above 0%: growing) 100.00% 0.00%
WU The Western Union Company $2.2B 6.5× 5.7× −2.26% (below 0%: shrinking) −41.86% (below 0%: shrinking) −69.40% (below 0%: shrinking) 33.98% 12.96% Compare
UPST Upstart Holdings, Inc. $2.2B 38.2× 33.9× −25.21% (below 0%: shrinking) −0.30% (below 0%: shrinking) +107.56% (above 0%: growing) 82.03% 8.54% Compare
AGM Federal Agricultural Mortgage Corporation $2.1B 10.8× 9.8× +12.93% (above 0%: growing) +20.67% (above 0%: growing) +188.57% (above 0%: growing) 27.34% 0.00% Compare
EZPW EZCORP, Inc. $1.8B 11.2× 13.8× +34.65% (above 0%: growing) +37.78% (above 0%: growing) +27.86% (above 0%: growing) 58.79% 13.09% Compare
ATLC Atlanticus Holdings Corporation $1.5B 6.8× 9.2× +56.84% (above 0%: growing) +307.33% (above 0%: growing) +135.83% (above 0%: growing) 84.79% 0.00% Compare
JCAP Jefferson Capital, Inc. $1.2B 8.5× 7.0× +16.26% (above 0%: growing) −96.40% (below 0%: shrinking) −45.57% (below 0%: shrinking) 63.06% 45.87% Compare
Median of peers $2.1B 8.2× 9.0× +7.94% −0.30% +14.02% 60.93% 10.75%

All 53 Credit Services stocks →

Pay and ownership Proxy statement filed 29 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 8.11m 13.29m 140.00
2024 5.34m 3.64m 123.00
2023 5.02m 5.46m 130.00
2022 5.10m 2.94m 123.00
2021 4.60m 8.67m 159.00

Ownership

Directors and executive officers, together 3.00%
BlackRock, Inc. 16.90%
Stephens Investment Management Group, LLC 6.10%
Dimensional Fund Advisors LP 5.10%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Encore Capital Group Inc (ECPG) Latest News

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ECPG metrics, ten years each

stockrow.com/ECPG · Data as of Nov 4, 2026 · For information only; not investment advice. · © 2026 stockrow.com