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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. In the quarter to June 2026, revenue grew 11.3%, EPS grew 18.8%, free cash flow fell 1,282.6% and total debt rose 5.40%, each against the same quarter a year earlier.

101.68 0.92 −0.90%
Market cap
$2.2B
P/E
7.5×
Fwd P/E
6.3×
Dividend yield
—
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 2.35
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell 3 2 — — 1 — — 2 — — — —
Insider Ownership 5.54%

Capital & Financial Ratios $m

Market Cap 2,180.00
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 7.48
Fwd P/E 6.26
P/S ratio 1.15
P/B ratio 2.03
Past 5Y EPS Growth 10.31%
This Y EPS Growth 23.90% (at or above 15%: strong)
Next Y EPS Growth 9.08%
Next Y revenue growth 8.04%
Next 5Y EPS Growth 13.00%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 54.96%
10-year low 10-year high
P/S against its own 10 years 97.75%
10-year low 10-year high
P/B against its own 10 years 96.98%
10-year low 10-year high

Dividends

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

Assets vs Liabilities $m

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

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 $m

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
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

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
Fiscal quarters ending in the months shown.

Free Cash Flow $m

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
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

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 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
High 30.40 52.00 47.80 39.19 49.01 62.39 72.73 58.46 54.55 56.67
People
People Employees 6,700 8,200 7,900 7,300 7,725 6,604 6,900 7,400 7,350 7,350
Revenue/emp, $m 0.15 0.14 0.17 0.19 0.19 0.24 0.20 0.17 0.18 0.24
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
Gross margin, % 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00
EBT 57 131 156 201 283 437 311 (180) (96) 336
EBT margin, % 5.57 11.05 11.49 14.40 18.84 27.04 22.24 (14.74) (7.31) 19.00
Net income 17 79 110 169 213 351 195 (206) (139) 257
Depreciation 35 40 41 52 43 50 50 299 152 29
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
Earnings 2.98 3.20 4.09 5.38 6.74 11.64 8.06 (8.72) (5.83) 11.05
Cash flow 5.07 4.77 6.60 7.84 9.96 10.06 8.73 6.46 6.54 6.59
Capex (1.23) (1.08) (2.38) 2.19 (1.10) (0.07) (2.02) 0.04 1.14 0.49
Free cash flow 3.84 3.68 4.21 10.03 8.85 9.99 6.70 6.50 7.68 7.08
Book value 21.46 22.02 28.95 32.86 38.82 39.34 48.86 39.57 32.14 42.04
Shares, m 26 26 28 31 31 30 24 24 24 23
Valuation, ×
Valuation, × P/E 9.82 13.13 5.80 6.58 5.78 5.35 6.33 0.00 0.00 4.89
P/S 0.73 0.92 0.49 0.79 0.82 1.16 0.85 1.00 0.87 0.71
P/B 1.36 1.91 0.81 1.08 1.00 1.58 1.01 1.30 1.49 1.29
EV/Sales 3.31 3.64 2.94 3.17 2.88 2.90 2.82 3.58 3.50 2.89
EV/FCF 34.54 45.20 33.51 14.13 15.94 15.55 24.38 28.46 25.16 31.03
Cash, $m
Cash, $m Operating cash flow 130 124 187 245 313 303 211 153 156 153
Capex (32) (28) (67) 68 (35) (2) (49) 1 27 11
Free cash flow 99 96 119 313 278 301 162 154 183 165
Balance, $m
Balance, $m Working capital (85) (73) (131) (32) (27) (40) (54) (32) (34) (73)
Total debt 2,806 3,447 3,491 3,513 3,282 2,997 2,899 3,318 3,673 4,001
Net debt 2,656 3,235 3,333 3,321 3,092 2,808 2,755 3,160 3,473 3,845
Shareholders’ equity 552 572 820 1,025 1,220 1,185 1,180 937 767 977
Returns, %
Returns, % ROA 1.95 2.04 2.54 3.52 4.33 7.41 4.27 (4.52) (2.96) 5.07
ROIC 1.12 2.15 2.36 2.89 4.10 6.83 5.00 (2.46) (1.14) 4.36
ROE 13.25 14.81 16.65 18.20 18.87 29.17 16.45 (19.52) (16.34) 29.45
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
SLM SLM Corporation $4.2B 6.0× 7.1× −1.93% (below 0%: shrinking) −9.38% (below 0%: shrinking) +2.81% (above 0%: growing) 59.84% 0.00% Compare
BFH Bread Financial Holdings, Inc. $3.9B 7.9× 8.2× +3.39% (above 0%: growing) +21.89% (above 0%: growing) +1.93% (above 0%: growing) 100.00% 76.43% Compare
UPST Upstart Holdings, Inc. $2.4B 38.0× 32.5× +41.75% (above 0%: growing) +183.33% (above 0%: growing) −14.74% (below 0%: shrinking) 83.19% 4.01% Compare
ECPG Encore Capital Group Inc $2.2B 7.5× 6.3× +11.25% (above 0%: growing) +18.80% (above 0%: growing) −1,282.62% (below 0%: shrinking) 100.00% 0.00%
AGM Federal Agricultural Mortgage Corporation $2.2B 11.1× 9.4× +12.93% (above 0%: growing) +20.67% (above 0%: growing) +188.57% (above 0%: growing) 27.34% 0.00% Compare
EZPW EZCORP, Inc. $2.0B 12.8× 16.0× +34.65% (above 0%: growing) +37.78% (above 0%: growing) +27.86% (above 0%: growing) 58.79% 13.09% Compare
WU The Western Union Company $1.9B 5.0× 4.7× −1.26% (below 0%: shrinking) −32.43% (below 0%: shrinking) +316.72% (above 0%: growing) 33.21% 13.04% Compare
ATLC Atlanticus Holdings Corporation $1.4B 9.6× 8.8× +88.84% (above 0%: growing) +67.38% (above 0%: growing) +112.08% (above 0%: growing) 83.42% 0.00% Compare
JCAP Jefferson Capital, Inc. $1.2B 8.4× 6.3× +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 9.0× 8.5× +14.60% +21.28% +15.34% 61.45% 8.52%

All 55 Credit Services stocks →

Encore Capital Group Inc (ECPG) key facts

  • Strength: Encore Capital Group Inc’s revenue for fiscal 2025 (year ended December 2025) was $1.8 billion, up 34.4% from fiscal 2024.
  • Encore Capital Group Inc (ECPG) is a Credit Services company in the Financial sector, listed on Nasdaq.
  • Net income was $256.8 million, or $11.05 per share (basic), a net margin of 14.5%.
  • As of October 16, 2026, ECPG traded at $101.68, a market capitalization of $2.2 billion.
  • At that price the stock trades at 7.5× trailing-twelve-month earnings and 1.2× sales; its P/E is higher than 55% of its own readings over the past ten years.
  • Return on equity was 29.5% and debt-to-equity 3.87.
  • Its Piotroski F-score is 5 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Encore Capital Group Inc (ECPG) Latest News

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