Symbols / ECPG Stock $83.73 -0.44% Encore Capital Group, Inc.

Financial Services • Credit Services • United States • NMS
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Stock Fundamentals
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Index EQUITY
Sector Financial Services
Industry Credit Services
CEO Mr. Ashish Masih
Exch · Country NMS · United States
Market Cap 1.79B
Enterprise Value 5.72B
Income 256.83M
Sales 1.77B
FCF (ttm) -377.22M
Book/sh 45.04
Cash/sh 7.32
Employees 7,350
Insider 10d —
IPO Jul 09, 1999
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 7.67
Forward P/E 6.27
PEG 0.17
P/S 1.01
P/B 1.86
P/C —
EV/EBITDA 8.73
EV/Sales 3.23
Quick Ratio 15.94
Current Ratio 16.11
Debt/Eq 418.03
LT Debt/Eq —
EPS (ttm) 10.91
EPS next Y 13.36
EPS Growth —
Revenue Growth 78.30%
EPS Gr Q/Q —
Rev Gr Q/Q —
Earnings (next) 2026-05-06
Earnings (prior) 2026-02-25
ROA 7.73%
ROE 29.45%
ROIC —
Gross Margin 100.00%
Oper. Margin 36.62%
Profit Margin 14.52%
Shs Outstand 21.41M
Shs Float 20.74M
Insider Own 4.12%
Instit Own 107.39%
Short Float 7.85%
Short Ratio 3.41
Short Interest 1.14M
52W High 85.42
vs 52W High -1.98%
52W Low 32.27
vs 52W Low 159.47%
Beta 1.27
Impl. Vol. 57.70%
Rel Volume 0.84
Avg Volume 297.03K
Volume 250.49K
Target (mean) $96.67
Tgt Median $100.00
Tgt Low $90.00
Tgt High $100.00
# Analysts 3
Recom Buy
Prev Close $84.10
Price $83.73
Change -0.44%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$96.67
Mean price target
2. Current target
$83.73
Latest analyst target
3. DCF / Fair value
$-317.14
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$83.73
Low
$90.00
High
$100.00
Mean
$96.67

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-02-26 main Citizens Market Outperform → Market Outperform $90
2026-02-26 main Truist Securities Buy → Buy $80
2026-01-20 main Citizens Market Outperform → Market Outperform $75
2025-11-06 main Janney Montgomery Scott Buy → Buy $62
2025-02-27 main Truist Securities Buy → Buy $57
2024-12-23 main Northland Capital Markets Outperform → Outperform $66
2024-11-07 main JMP Securities Market Outperform → Market Outperform $65
2024-10-17 up Northland Capital Markets Market Perform → Outperform $58
2024-10-14 reit JMP Securities Market Outperform → Market Outperform $60
2024-08-20 main Truist Securities Buy → Buy $64
2024-05-06 reit JMP Securities Market Outperform → Market Outperform $60
2024-04-17 reit JMP Securities Market Outperform → Market Outperform $60
2023-11-06 main JMP Securities Market Outperform → Market Outperform $56
2023-09-21 reit Truist Securities Buy → Buy $73
2023-08-07 reit JMP Securities Market Outperform → Market Outperform $61
2023-07-14 reit JMP Securities Market Outperform → Market Outperform $61
2023-05-04 main JMP Securities — → Outperform $61
2023-03-28 up Janney Montgomery Scott Neutral → Buy —
2023-02-27 reit JMP Securities — → Market Outperform $68
2023-02-14 down Northland Capital Markets Outperform → Market Perform $58
News
RSS: Latest ECPG news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-09 ASCH ANDREW ERIC General Counsel — 10,541 $0.00 $0
2026-03-09 YUNG JOHN Officer — 15,638 $0.00 $0
2026-03-09 HERNANZ TOMAS CRUZ Chief Financial Officer — 12,495 $0.00 $0
2026-03-09 MASIH ASHISH Chief Executive Officer — 60,690 $0.00 $0
2026-03-09 BELL RYAN B. Officer — 18,428 $0.00 $0
2026-03-03 BELL RYAN B. Officer — 7,500 $66.69 $517,685
2026-02-27 GUPTA ASHWINI Director — 347 $68.29 $23,697
2025-12-10 BELL RYAN B. Officer — 2,500 $55.00 $137,500
2025-12-03 OLLE LAURA NEWMAN Director — 1,423 $52.79 $75,120
2025-12-01 GUPTA ASHWINI Director — 448 $52.95 $23,722
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
1,768.80
+34.37%
1,316.36
+7.66%
1,222.68
-12.56%
1,398.35
Operating Revenue
1,544.18
+11.30%
1,387.35
+7.75%
1,287.57
-0.75%
1,297.28
Cost Of Revenue
802.97
+12.65%
712.80
+9.42%
651.44
+3.63%
628.65
Reconciled Cost Of Revenue
802.97
+12.65%
712.80
+9.42%
651.44
+3.63%
628.65
Gross Profit
965.83
+60.02%
603.56
+5.66%
571.24
-25.78%
769.70
Operating Expense
339.18
+3.70%
327.08
+9.84%
297.78
-1.87%
303.45
Selling General And Administration
165.95
+1.28%
163.85
+13.11%
144.86
-0.64%
145.80
General And Administrative Expense
165.95
+1.28%
163.85
+13.11%
144.86
-0.64%
145.80
Other Gand A
165.95
+1.28%
163.85
+13.11%
144.86
-0.64%
145.80
Other Operating Expenses
144.48
+10.45%
130.80
+17.65%
111.18
-0.05%
111.23
Total Expenses
1,142.15
+9.83%
1,039.89
+9.55%
949.22
+1.84%
932.10
Operating Income
626.65
+126.66%
276.47
+1.10%
273.46
-41.35%
466.25
Total Operating Income As Reported
626.65
+298.30%
157.33
+851.50%
16.54
-96.42%
462.17
EBITDA
645.39
+270.91%
174.00
+174.67%
63.35
-87.60%
510.72
Normalized EBITDA
647.01
+114.97%
300.98
-6.03%
320.28
-37.79%
514.79
Reconciled Depreciation
28.76
-11.33%
32.43
-22.29%
41.74
-10.09%
46.42
EBIT
616.63
+335.58%
141.57
+555.01%
21.61
-95.35%
464.30
Total Unusual Items
-1.61
+98.73%
-126.98
+50.58%
-256.93
-6204.93%
-4.08
Total Unusual Items Excluding Goodwill
-1.61
+98.73%
-126.98
+50.58%
-256.93
-6204.93%
-4.08
Special Income Charges
-1.61
+98.73%
-126.98
+50.58%
-256.93
-6204.93%
-4.08
Other Special Charges
1.61
-79.39%
7.83
—
—
Impairment Of Capital Assets
0.00
-100.00%
119.14
-53.63%
256.93
+6204.93%
4.08
Net Income
256.83
+284.45%
-139.24
+32.57%
-206.49
-206.13%
194.56
Pretax Income
336.16
+449.38%
-96.22
+46.63%
-180.26
-157.96%
310.99
Net Non Operating Interest Income Expense
-293.91
-16.38%
-252.54
-25.10%
-201.88
-31.68%
-153.31
Interest Expense Non Operating
280.47
+17.95%
237.78
+17.79%
201.88
+31.68%
153.31
Net Interest Income
-293.91
-16.38%
-252.54
-25.10%
-201.88
-31.68%
-153.31
Interest Expense
280.47
+17.95%
237.78
+17.79%
201.88
+31.68%
153.31
Other Income Expense
3.42
+102.85%
-120.14
+52.30%
-251.85
-12802.05%
-1.95
Other Non Operating Income Expenses
5.04
-26.29%
6.83
+34.54%
5.08
+139.19%
2.12
Tax Provision
79.33
+84.35%
43.03
+64.06%
26.23
-77.47%
116.42
Tax Rate For Calcs
0.00
+12.38%
0.00
+0.00%
0.00
-43.85%
0.00
Tax Effect Of Unusual Items
-0.38
+98.57%
-26.66
+50.58%
-53.95
-3440.20%
-1.52
Net Income Including Noncontrolling Interests
256.83
+284.45%
-139.24
+32.57%
-206.49
-206.13%
194.56
Net Income From Continuing Operation Net Minority Interest
256.83
+284.45%
-139.24
+32.57%
-206.49
-206.13%
194.56
Net Income From Continuing And Discontinued Operation
256.83
+284.45%
-139.24
+32.57%
-206.49
-206.13%
194.56
Net Income Continuous Operations
256.83
+284.45%
-139.24
+32.57%
-206.49
-206.13%
194.56
Minority Interests
—
—
0.00
0.00
Normalized Income
258.07
+762.85%
-38.93
-1005.91%
-3.52
-101.79%
197.11
Net Income Common Stockholders
256.83
+284.45%
-139.24
+32.57%
-206.49
-206.13%
194.56
Diluted EPS
10.91
+287.14%
-5.83
+33.14%
-8.72
-216.89%
7.46
Basic EPS
11.05
+289.54%
-5.83
+33.14%
-8.72
-208.19%
8.06
Basic Average Shares
23.23
-2.68%
23.87
+0.86%
23.67
-1.96%
24.14
Diluted Average Shares
23.53
-1.42%
23.87
+0.86%
23.67
-9.28%
26.09
Diluted NI Availto Com Stockholders
256.83
+284.45%
-139.24
+32.57%
-206.49
-206.13%
194.56
Depreciation Amortization Depletion Income Statement
28.76
-11.33%
32.43
-22.29%
41.74
-10.09%
46.42
Depreciation And Amortization In Income Statement
28.76
-11.33%
32.43
-22.29%
41.74
-10.09%
46.42
Total Other Finance Cost
13.44
-8.98%
14.76
-5.79%
15.67
+7.78%
14.54
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
5,339.80
+11.48%
4,789.73
+3.44%
4,630.49
+2.71%
4,508.36
Current Assets
240.15
-12.91%
275.73
+37.86%
200.01
-4.14%
208.64
Cash Cash Equivalents And Short Term Investments
156.78
-21.56%
199.87
+26.21%
158.36
+10.04%
143.91
Cash And Cash Equivalents
156.78
-21.56%
199.87
+26.21%
158.36
+10.04%
143.91
Receivables
34.24
+14.65%
29.87
+228.92%
9.08
-43.58%
16.09
Accounts Receivable
21.11
+11.39%
18.95
+108.72%
9.08
-43.58%
16.09
Other Receivables
13.13
+20.31%
10.91
+20.20%
9.08
-43.58%
16.09
Prepaid Assets
49.12
+6.78%
46.00
+10.46%
41.65
-14.37%
48.63
Total Non Current Assets
5,099.65
+12.97%
4,514.00
+1.89%
4,430.48
+3.04%
4,299.72
Net PPE
138.71
+0.02%
138.69
-18.89%
170.98
-7.06%
183.97
Gross PPE
341.59
+5.83%
322.78
-5.10%
340.12
+0.29%
339.13
Accumulated Depreciation
-202.88
-10.21%
-184.09
-8.84%
-169.14
-9.01%
-155.15
Properties
0.00
0.00
0.00
0.00
Machinery Furniture Equipment
233.14
+11.09%
209.86
+1.13%
207.51
-9.76%
229.96
Construction In Progress
9.49
-34.92%
14.59
-49.06%
28.64
+1024.86%
2.55
Other Properties
58.15
-2.37%
59.56
-13.99%
69.25
-3.38%
71.67
Leases
40.81
+5.26%
38.77
+11.66%
34.72
-0.66%
34.95
Goodwill And Other Intangible Assets
536.29
+5.61%
507.81
-16.27%
606.48
-28.09%
843.33
Goodwill
536.29
+5.61%
507.81
-16.27%
606.48
-26.15%
821.21
Other Intangible Assets
—
—
0.05
-99.78%
22.11
Investments And Advances
4,371.53
+15.76%
3,776.37
+8.88%
3,468.43
+12.31%
3,088.26
Other Investments
4,371.53
+15.76%
3,776.37
+8.88%
3,468.43
+12.31%
3,088.26
Non Current Deferred Assets
5.77
-31.50%
8.42
-51.28%
17.28
-4.38%
18.07
Non Current Deferred Taxes Assets
5.77
-31.50%
8.42
-51.28%
17.28
-4.38%
18.07
Other Non Current Assets
29.29
-34.39%
44.64
-53.85%
96.72
+58.46%
61.04
Total Liabilities Net Minority Interest
4,363.05
+8.47%
4,022.40
+8.89%
3,693.95
+10.97%
3,328.73
Current Liabilities
230.26
-1.41%
233.54
+6.53%
219.24
-17.77%
266.61
Payables And Accrued Expenses
230.26
-1.41%
233.54
+22.97%
189.93
-4.18%
198.22
Current Debt And Capital Lease Obligation
—
—
29.31
-57.14%
68.39
Current Debt
—
—
29.31
-57.14%
68.39
Total Non Current Liabilities Net Minority Interest
4,132.79
+9.08%
3,788.85
+9.04%
3,474.71
+13.47%
3,062.13
Long Term Debt And Capital Lease Obligation
4,001.29
+8.95%
3,672.76
+11.68%
3,288.72
+16.19%
2,830.43
Long Term Debt
4,000.70
+8.96%
3,671.70
+11.74%
3,285.90
+16.33%
2,824.76
Long Term Capital Lease Obligation
0.60
-44.04%
1.06
-62.21%
2.82
-50.34%
5.67
Other Non Current Liabilities
131.50
+13.27%
116.09
-37.58%
185.99
-19.73%
231.69
Stockholders Equity
976.75
+27.29%
767.33
-18.07%
936.54
-20.61%
1,179.63
Common Stock Equity
976.75
+27.29%
767.33
-18.07%
936.54
-20.61%
1,179.63
Capital Stock
0.22
-8.44%
0.24
+0.85%
0.23
+0.86%
0.23
Common Stock
0.22
-8.44%
0.24
+0.85%
0.23
+0.86%
0.23
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
21.69
-8.46%
23.69
+0.62%
23.55
+0.95%
23.32
Ordinary Shares Number
21.69
-8.46%
23.69
+0.62%
23.55
+0.95%
23.32
Additional Paid In Capital
0.00
-100.00%
19.30
+74.60%
11.05
0.00
Retained Earnings
1,104.64
+21.40%
909.93
-13.27%
1,049.17
-17.92%
1,278.21
Gains Losses Not Affecting Retained Earnings
-128.11
+20.99%
-162.13
-30.83%
-123.92
-25.40%
-98.82
Minority Interest
—
—
0.00
0.00
Other Equity Adjustments
-128.11
+20.99%
-162.13
-30.83%
-123.92
-25.40%
-98.82
Total Equity Gross Minority Interest
976.75
+27.29%
767.33
-18.07%
936.54
-20.61%
1,179.63
Total Capitalization
4,977.45
+12.13%
4,439.03
+5.13%
4,222.44
+5.45%
4,004.38
Working Capital
9.88
-76.57%
42.19
+319.40%
-19.23
+66.83%
-57.97
Invested Capital
4,977.45
+12.13%
4,439.03
+4.40%
4,251.75
+4.39%
4,072.77
Total Debt
4,001.29
+8.95%
3,672.76
+10.69%
3,318.03
+14.46%
2,898.82
Net Debt
3,843.91
+10.72%
3,471.83
+9.98%
3,156.85
+14.83%
2,749.23
Capital Lease Obligations
0.60
-44.04%
1.06
-62.21%
2.82
-50.34%
5.67
Net Tangible Assets
440.46
+69.72%
259.52
-21.37%
330.06
-1.85%
336.30
Tangible Book Value
440.46
+69.72%
259.52
-21.37%
330.06
-1.85%
336.30
Current Notes Payable
—
0.00
-100.00%
29.31
-57.14%
68.39
Financial Assets
—
—
17.31
-52.97%
36.81
Investment Properties
18.07
-52.55%
38.08
-46.06%
70.59
+3.44%
68.24
Line Of Credit
—
—
499.65
+17.97%
423.52
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
153.20
-1.90%
156.17
+2.08%
152.99
-27.38%
210.68
Cash Flow From Continuing Operating Activities
153.20
-1.90%
156.17
+2.08%
152.99
-27.38%
210.68
Net Income From Continuing Operations
256.83
+284.45%
-139.24
+32.57%
-206.49
-206.13%
194.56
Depreciation Amortization Depletion
28.76
-11.33%
32.43
-22.29%
41.74
-10.09%
46.42
Depreciation And Amortization
28.76
-11.33%
32.43
-22.29%
41.74
-10.09%
46.42
Other Non Cash Items
-186.75
-250.67%
123.94
+27.21%
97.43
+266.63%
-58.47
Stock Based Compensation
18.27
+30.38%
14.01
+1.14%
13.85
-10.05%
15.40
Provisionand Write Offof Assets
—
—
—
—
Asset Impairment Charge
0.00
-100.00%
119.14
-53.63%
256.93
+6204.93%
4.08
Deferred Tax
29.82
+233.84%
-22.28
+60.15%
-55.92
-220.48%
46.41
Deferred Income Tax
29.82
+233.84%
-22.28
+60.15%
-55.92
-220.48%
46.41
Change In Working Capital
6.27
-77.73%
28.16
+416.55%
5.45
+114.45%
-37.72
Change In Payables And Accrued Expense
-3.65
-106.48%
56.40
+640.09%
-10.44
+66.31%
-31.00
Change In Payable
-3.65
-106.48%
56.40
+640.09%
-10.44
+66.31%
-31.00
Change In Account Payable
-3.65
-106.48%
56.40
+640.09%
-10.44
+66.31%
-31.00
Change In Other Working Capital
—
—
—
—
Change In Other Current Assets
9.92
+135.13%
-28.25
-277.71%
15.89
+336.45%
-6.72
Investing Cash Flow
-242.59
+44.92%
-440.43
-9.58%
-401.94
-208.63%
-130.24
Cash Flow From Continuing Investing Activities
-242.59
+44.92%
-440.43
-9.58%
-401.94
-208.63%
-130.24
Net PPE Purchase And Sale
11.38
-58.13%
27.18
+2828.56%
0.93
+101.90%
-48.84
Purchase Of PPE
-26.27
+10.09%
-29.22
+43.49%
-51.71
+32.46%
-76.56
Sale Of PPE
37.65
-33.24%
56.40
+7.14%
52.64
+89.87%
27.72
Capital Expenditure
-26.27
+10.09%
-29.22
+43.49%
-51.71
+32.46%
-76.56
Net Investment Purchase And Sale
-252.07
+47.10%
-476.53
-18.52%
-402.08
-393.99%
-81.39
Purchase Of Investment
-1,389.06
-3.94%
-1,336.44
-26.05%
-1,060.21
-34.11%
-790.57
Sale Of Investment
1,136.99
+32.22%
859.91
+30.66%
658.13
-7.20%
709.18
Net Other Investing Changes
-1.89
-121.21%
8.92
+1225.35%
-0.79
+93.17%
-11.62
Financing Cash Flow
44.85
-85.88%
317.77
+18.44%
268.30
+349.71%
-107.44
Cash Flow From Continuing Financing Activities
44.85
-85.88%
317.77
+18.44%
268.30
+349.71%
-107.44
Net Issuance Payments Of Debt
149.60
-57.52%
352.18
+27.45%
276.33
+7625.24%
3.58
Issuance Of Debt
1,773.25
-41.51%
3,031.47
+98.10%
1,530.23
+96.31%
779.51
Repayment Of Debt
-1,623.65
+39.40%
-2,679.30
-113.68%
-1,253.90
-61.60%
-775.94
Long Term Debt Issuance
1,773.25
-41.51%
3,031.47
+98.10%
1,530.23
+96.31%
779.51
Long Term Debt Payments
-1,623.65
+39.40%
-2,679.30
-113.68%
-1,253.90
-61.60%
-775.94
Net Long Term Debt Issuance
149.60
-57.52%
352.18
+27.45%
276.33
+7625.24%
3.58
Short Term Debt Issuance
—
—
1,196.05
+53.44%
779.51
Short Term Debt Payments
—
—
-989.63
-91.90%
-515.70
Net Short Term Debt Issuance
—
—
206.42
-21.75%
263.81
Net Common Stock Issuance
-90.40
0.00
0.00
+100.00%
-87.01
Common Stock Payments
-90.40
0.00
0.00
+100.00%
-87.01
Repurchase Of Capital Stock
-90.40
0.00
0.00
+100.00%
-87.01
Net Other Financing Charges
-14.35
+58.29%
-34.40
-328.30%
-8.03
+66.56%
-24.02
Changes In Cash
-44.53
-232.89%
33.51
+73.19%
19.35
+171.67%
-27.00
Effect Of Exchange Rate Changes
1.45
-81.83%
7.99
+263.11%
-4.90
+73.86%
-18.73
Beginning Cash Position
199.87
+26.21%
158.36
+10.04%
143.91
-24.12%
189.65
End Cash Position
156.78
-21.56%
199.87
+26.21%
158.36
+10.04%
143.91
Free Cash Flow
126.93
-0.02%
126.95
+25.34%
101.28
-24.48%
134.12
Interest Paid Supplemental Data
259.81
+23.38%
210.58
+28.55%
163.81
+24.68%
131.39
Income Tax Paid Supplemental Data
54.77
-18.37%
67.09
-2.09%
68.52
-3.86%
71.28
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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