ECPG
Encore Capital Group, Inc.
Price Chart
Latest Quote
$83.05
+0.41 (+0.50%)
Current Price
| Previous Close | $82.64 |
| Open | $83.36 |
| Day High | $83.70 |
| Day Low | $82.33 |
| Volume | 440,821 |
Stock Information
| Shares Outstanding | 21.44M |
| Total Debt | $4.04B |
| Cash Equivalents | $227.20M |
| Revenue | $1.85B |
| Net Income | $296.28M |
| Sector | Financial Services |
| Industry | Credit Services |
| Market Cap | $1.78B |
| P/E Ratio | 6.46 |
| EPS (TTM) | $12.85 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $5.59B |
| Sales | $1.85B |
| Income | $296.28M |
| Book/sh | $48.13 |
| Cash/sh | $10.60 |
| Employees | 7K |
Financial Ratios
| Quick Ratio | 18.06 |
| Current Ratio | 18.24 |
| Debt/Eq | 390.51 |
| EPS Growth TTM | 84.30% |
Returns & Margins
| ROA | 8.17% |
| ROE | 31.96% |
| Gross Margin | 100.00% |
| Operating Margin | 38.70% |
| Profit Margin | 16.00% |
Ownership
| Insider Ownership | 3.81% |
| Institutional Ownership | 109.56% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 6.22 |
| PEG | 0.17 |
| P/S | 0.96 |
| P/B | 1.73 |
Analyst Data
| Recommendation | buy |
| Target Price | $113.33 |
Technical Indicators
| SMA20 | $80.91 |
| SMA50 | $81.28 |
| SMA200 | $60.70 |
| RSI | 60.61 |
| ATR | 2.6657 |
| Shares Float | 20.97M |
| Short Float | 8.23% |
| Short Ratio | 4.16 |
| Volatility | 1.30 |
| Rel Volume | 1.59 |
Performance History
| Week | +3.24% |
| Month | +3.14% |
| Quarter | +20.12% |
| 6 Months | +52.81% |
| YTD | +48.54% |
| Year | +117.64% |
| 3 Years | +67.41% |
| 5 Years | +68.49% |
| 10 Years | +242.19% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $83.05 | 440,800 |
| 2026-06-17 | $82.64 | 275,100 |
| 2026-06-16 | $82.98 | 293,000 |
| 2026-06-15 | $82.65 | 386,100 |
| 2026-06-12 | $81.34 | 162,600 |
| 2026-06-11 | $80.44 | 336,700 |
| 2026-06-10 | $80.20 | 713,500 |
| 2026-06-09 | $82.57 | 248,400 |
| 2026-06-08 | $80.30 | 322,700 |
| 2026-06-05 | $81.46 | 204,200 |
| 2026-06-04 | $80.60 | 220,300 |
| 2026-06-03 | $78.01 | 236,400 |
| 2026-06-02 | $78.09 | 225,800 |
| 2026-06-01 | $78.56 | 217,500 |
| 2026-05-29 | $79.93 | 285,200 |
| 2026-05-28 | $80.30 | 203,600 |
| 2026-05-27 | $81.85 | 186,500 |
| 2026-05-26 | $81.55 | 173,200 |
| 2026-05-22 | $80.20 | 191,500 |
| 2026-05-21 | $81.57 | 220,500 |
| 2026-05-20 | $80.64 | 314,800 |
| 2026-05-19 | $80.52 | 419,200 |
About Encore Capital Group, Inc.
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.
đ° Latest News
Best Value Stocks to Buy for June 17th
Zacks âĸ 2026-06-17T07:47:00Z
Is Encore Capital Group (ECPG) Stock Undervalued Right Now?
Zacks âĸ 2026-06-16T13:40:02Z
1 Mooning Stock for Long-Term Investors and 2 We Question
StockStory âĸ 2026-06-15T10:20:07Z
3 Reasons to Sell ECPG and 1 Stock to Buy Instead
StockStory âĸ 2026-06-11T13:37:37Z
Best Value Stocks to Buy for June 10th
Zacks âĸ 2026-06-10T07:59:00Z
How Encoreâs Earnings Beat and Muted Stock Reaction At Encore Capital Group (ECPG) Has Changed Its Investment Story
Simply Wall St. âĸ 2026-06-09T15:08:03Z
Q1 Specialty Finance Earnings Review: First Prize Goes to Encore Capital Group (NASDAQ:ECPG)
StockStory âĸ 2026-06-08T20:05:50Z
3 Profitable Stocks with Questionable Fundamentals
StockStory âĸ 2026-05-29T19:52:38Z
Should Value Investors Buy Encore Capital Group (ECPG) Stock?
Zacks âĸ 2026-05-26T13:40:02Z
Interactive Brokers, Enova, and Encore Capital Group Shares Are Soaring, What You Need To Know
StockStory âĸ 2026-05-18T20:28:55Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Reconciled Cost Of Revenue | $802,971,000 | $712,804,000 | $651,441,000 | $628,647,000 |
| Cost Of Revenue | $802,971,000 | $712,804,000 | $651,441,000 | $628,647,000 |
| Total Revenue | $1,768,802,000 | $1,316,361,000 | $1,222,680,000 | $1,398,347,000 |
| Operating Revenue | $1,544,183,000 | $1,387,350,000 | $1,287,573,000 | $1,297,283,000 |
| Expenses | ||||
| Interest Expense | $280,473,000 | $237,782,000 | $201,877,000 | $153,308,000 |
| Total Expenses | $1,142,155,000 | $1,039,887,000 | $949,219,000 | $932,098,000 |
| Other Income Expense | $3,422,000 | $-120,144,000 | $-251,848,000 | $-1,952,000 |
| Other Non Operating Income Expenses | $5,036,000 | $6,832,000 | $5,078,000 | $2,123,000 |
| Net Non Operating Interest Income Expense | $-293,910,000 | $-252,545,000 | $-201,877,000 | $-153,308,000 |
| Total Other Finance Cost | $13,437,000 | $14,763,000 | $15,670,000 | $14,539,000 |
| Interest Expense Non Operating | $280,473,000 | $237,782,000 | $201,877,000 | $153,308,000 |
| Operating Expense | $339,184,000 | $327,083,000 | $297,778,000 | $303,451,000 |
| Other Operating Expenses | $144,476,000 | $130,802,000 | $111,179,000 | $111,234,000 |
| General And Administrative Expense | $165,948,000 | $163,847,000 | $144,862,000 | $145,798,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $256,834,000 | $-139,244,000 | $-206,492,000 | $194,564,000 |
| Net Interest Income | $-293,910,000 | $-252,545,000 | $-201,877,000 | $-153,308,000 |
| Normalized Income | $258,067,096 | $-38,932,960 | $-3,520,460 | $197,114,950 |
| Net Income From Continuing And Discontinued Operation | $256,834,000 | $-139,244,000 | $-206,492,000 | $194,564,000 |
| Total Operating Income As Reported | $626,647,000 | $157,330,000 | $16,535,000 | $462,174,000 |
| Net Income Common Stockholders | $256,834,000 | $-139,244,000 | $-206,492,000 | $194,564,000 |
| Net Income | $256,834,000 | $-139,244,000 | $-206,492,000 | $194,564,000 |
| Net Income Including Noncontrolling Interests | $256,834,000 | $-139,244,000 | $-206,492,000 | $194,564,000 |
| Net Income Continuous Operations | $256,834,000 | $-139,244,000 | $-206,492,000 | $194,564,000 |
| Pretax Income | $336,159,000 | $-96,215,000 | $-180,264,000 | $310,989,000 |
| Special Income Charges | $-1,614,000 | $-126,976,000 | $-256,926,000 | $-4,075,000 |
| Operating Income | $626,647,000 | $276,474,000 | $273,461,000 | $466,249,000 |
| Depreciation Amortization Depletion Income Statement | $28,760,000 | $32,434,000 | $41,737,000 | $46,419,000 |
| Depreciation And Amortization In Income Statement | $28,760,000 | $32,434,000 | $41,737,000 | $46,419,000 |
| Gross Profit | $965,831,000 | $603,557,000 | $571,239,000 | $769,700,000 |
| Per Share | ||||
| Diluted EPS | $10.91 | $-5.83 | $-8.72 | $7.46 |
| Basic EPS | $11.05 | $-5.83 | $-8.72 | $8.06 |
| Other | ||||
| Tax Effect Of Unusual Items | $-380,904 | $-26,664,960 | $-53,954,460 | $-1,524,050 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Normalized EBITDA (Bullshit earnings) | $647,006,000 | $300,977,000 | $320,276,000 | $514,791,000 |
| Total Unusual Items | $-1,614,000 | $-126,976,000 | $-256,926,000 | $-4,075,000 |
| Total Unusual Items Excluding Goodwill | $-1,614,000 | $-126,976,000 | $-256,926,000 | $-4,075,000 |
| Reconciled Depreciation | $28,760,000 | $32,434,000 | $41,737,000 | $46,419,000 |
| EBITDA (Bullshit earnings) | $645,392,000 | $174,001,000 | $63,350,000 | $510,716,000 |
| EBIT | $616,632,000 | $141,567,000 | $21,613,000 | $464,297,000 |
| Diluted Average Shares | $23,534,000 | $23,873,000 | $23,670,000 | $26,092,000 |
| Basic Average Shares | $23,234,000 | $23,873,000 | $23,670,000 | $24,142,000 |
| Diluted NI Availto Com Stockholders | $256,834,000 | $-139,244,000 | $-206,492,000 | $194,564,000 |
| Tax Provision | $79,325,000 | $43,029,000 | $26,228,000 | $116,425,000 |
| Other Special Charges | $1,614,000 | $7,832,000 | - | - |
| Impairment Of Capital Assets | $0 | $119,144,000 | $256,926,000 | $4,075,000 |
| Selling General And Administration | $165,948,000 | $163,847,000 | $144,862,000 | $145,798,000 |
| Other Gand A | $165,948,000 | $163,847,000 | $144,862,000 | $145,798,000 |
| Minority Interests | - | - | $0 | $0 |
Fetched: 2026-06-16
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $440,459,000 | $259,523,000 | $330,063,000 | $336,301,000 |
| Total Assets | $5,339,800,000 | $4,789,729,000 | $4,630,486,000 | $4,508,360,000 |
| Total Non Current Assets | $5,099,654,000 | $4,513,996,000 | $4,430,477,000 | $4,299,719,000 |
| Other Non Current Assets | $29,288,000 | $44,640,000 | $96,725,000 | $61,040,000 |
| Non Current Deferred Assets | $5,766,000 | $8,418,000 | $17,277,000 | $18,069,000 |
| Non Current Deferred Taxes Assets | $5,766,000 | $8,418,000 | $17,277,000 | $18,069,000 |
| Goodwill And Other Intangible Assets | $536,291,000 | $507,808,000 | $606,475,000 | $843,326,000 |
| Current Assets | $240,146,000 | $275,733,000 | $200,009,000 | $208,641,000 |
| Prepaid Assets | $49,121,000 | $46,002,000 | $41,645,000 | $48,635,000 |
| Receivables | $34,241,000 | $29,866,000 | $9,080,000 | $16,094,000 |
| Other Receivables | $13,131,000 | $10,914,000 | $9,080,000 | $16,094,000 |
| Accounts Receivable | $21,110,000 | $18,952,000 | $9,080,000 | $16,094,000 |
| Cash Cash Equivalents And Short Term Investments | $156,784,000 | $199,865,000 | $158,364,000 | $143,912,000 |
| Cash And Cash Equivalents | $156,784,000 | $199,865,000 | $158,364,000 | $143,912,000 |
| Financial Assets | - | - | $17,311,000 | $36,807,000 |
| Other Intangible Assets | - | - | $48,000 | $22,112,000 |
| Debt | ||||
| Net Debt | $3,843,913,000 | $3,471,832,000 | $3,156,849,000 | $2,749,234,000 |
| Total Debt | $4,001,293,000 | $3,672,762,000 | $3,318,031,000 | $2,898,821,000 |
| Long Term Debt And Capital Lease Obligation | $4,001,293,000 | $3,672,762,000 | $3,288,721,000 | $2,830,431,000 |
| Long Term Debt | $4,000,697,000 | $3,671,697,000 | $3,285,903,000 | $2,824,756,000 |
| Current Debt And Capital Lease Obligation | - | - | $29,310,000 | $68,390,000 |
| Current Debt | - | - | $29,310,000 | $68,390,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $4,363,050,000 | $4,022,398,000 | $3,693,948,000 | $3,328,733,000 |
| Total Non Current Liabilities Net Minority Interest | $4,132,789,000 | $3,788,853,000 | $3,474,710,000 | $3,062,126,000 |
| Other Non Current Liabilities | $131,496,000 | $116,091,000 | $185,989,000 | $231,695,000 |
| Current Liabilities | $230,261,000 | $233,545,000 | $219,238,000 | $266,607,000 |
| Payables And Accrued Expenses | $230,261,000 | $233,545,000 | $189,928,000 | $198,217,000 |
| Current Notes Payable | - | $0 | $29,310,000 | $68,390,000 |
| Equity | ||||
| Common Stock Equity | $976,750,000 | $767,331,000 | $936,538,000 | $1,179,627,000 |
| Total Equity Gross Minority Interest | $976,750,000 | $767,331,000 | $936,538,000 | $1,179,627,000 |
| Stockholders Equity | $976,750,000 | $767,331,000 | $936,538,000 | $1,179,627,000 |
| Gains Losses Not Affecting Retained Earnings | $-128,107,000 | $-162,130,000 | $-123,920,000 | $-98,816,000 |
| Other Equity Adjustments | $-128,107,000 | $-162,130,000 | $-123,920,000 | $-98,816,000 |
| Retained Earnings | $1,104,640,000 | $909,927,000 | $1,049,171,000 | $1,278,210,000 |
| Other | ||||
| Ordinary Shares Number | $21,688,000 | $23,691,291 | $23,545,000 | $23,323,000 |
| Share Issued | $21,688,000 | $23,691,291 | $23,545,000 | $23,323,000 |
| Tangible Book Value | $440,459,000 | $259,523,000 | $330,063,000 | $336,301,000 |
| Invested Capital | $4,977,447,000 | $4,439,028,000 | $4,251,751,000 | $4,072,773,000 |
| Working Capital | $9,885,000 | $42,188,000 | $-19,229,000 | $-57,966,000 |
| Capital Lease Obligations | $596,000 | $1,065,000 | $2,818,000 | $5,675,000 |
| Total Capitalization | $4,977,447,000 | $4,439,028,000 | $4,222,441,000 | $4,004,383,000 |
| Additional Paid In Capital | $0 | $19,297,000 | $11,052,000 | $0 |
| Capital Stock | $217,000 | $237,000 | $235,000 | $233,000 |
| Common Stock | $217,000 | $237,000 | $235,000 | $233,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Long Term Capital Lease Obligation | $596,000 | $1,065,000 | $2,818,000 | $5,675,000 |
| Investments And Advances | $4,371,532,000 | $3,776,369,000 | $3,468,432,000 | $3,088,261,000 |
| Other Investments | $4,371,532,000 | $3,776,369,000 | $3,468,432,000 | $3,088,261,000 |
| Investment Properties | $18,068,000 | $38,075,000 | $70,590,000 | $68,242,000 |
| Goodwill | $536,291,000 | $507,808,000 | $606,475,000 | $821,214,000 |
| Net PPE | $138,709,000 | $138,686,000 | $170,978,000 | $183,974,000 |
| Accumulated Depreciation | $-202,885,000 | $-184,092,000 | $-169,140,000 | $-155,154,000 |
| Gross PPE | $341,594,000 | $322,778,000 | $340,118,000 | $339,128,000 |
| Leases | $40,810,000 | $38,769,000 | $34,720,000 | $34,950,000 |
| Construction In Progress | $9,494,000 | $14,588,000 | $28,639,000 | $2,546,000 |
| Other Properties | $58,147,000 | $59,561,000 | $69,248,000 | $71,674,000 |
| Machinery Furniture Equipment | $233,143,000 | $209,860,000 | $207,511,000 | $229,958,000 |
| Properties | $0 | $0 | $0 | $0 |
| Minority Interest | - | - | $0 | $0 |
| Line Of Credit | - | - | $499,646,000 | $423,522,000 |
Fetched: 2026-06-16
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $126,929,000 | $126,949,000 | $101,283,000 | $134,117,000 |
| Operating Activities | ||||
| Operating Cash Flow | $153,199,000 | $156,168,000 | $152,991,000 | $210,681,000 |
| Cash Flow From Continuing Operating Activities | $153,199,000 | $156,168,000 | $152,991,000 | $210,681,000 |
| Investing Activities | ||||
| Capital Expenditure | $-26,270,000 | $-29,219,000 | $-51,708,000 | $-76,564,000 |
| Investing Cash Flow | $-242,586,000 | $-440,430,000 | $-401,941,000 | $-130,235,000 |
| Cash Flow From Continuing Investing Activities | $-242,586,000 | $-440,430,000 | $-401,941,000 | $-130,235,000 |
| Net Other Investing Changes | $-1,893,000 | $8,924,000 | $-793,000 | $-11,618,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-90,402,000 | $0 | $0 | $-87,006,000 |
| Financing Cash Flow | $44,854,000 | $317,774,000 | $268,300,000 | $-107,445,000 |
| Cash Flow From Continuing Financing Activities | $44,854,000 | $317,774,000 | $268,300,000 | $-107,445,000 |
| Net Other Financing Charges | $-14,347,000 | $-34,401,000 | $-8,032,000 | $-24,016,000 |
| Net Common Stock Issuance | $-90,402,000 | $0 | $0 | $-87,006,000 |
| Other | ||||
| Repayment Of Debt | $-1,623,651,000 | $-2,679,295,000 | $-1,253,902,000 | $-775,936,000 |
| Issuance Of Debt | $1,773,254,000 | $3,031,470,000 | $1,530,234,000 | $779,513,000 |
| Interest Paid Supplemental Data | $259,812,000 | $210,580,000 | $163,815,000 | $131,391,000 |
| Income Tax Paid Supplemental Data | $54,766,000 | $67,091,000 | $68,522,000 | $71,276,000 |
| End Cash Position | $156,784,000 | $199,865,000 | $158,364,000 | $143,912,000 |
| Beginning Cash Position | $199,865,000 | $158,364,000 | $143,912,000 | $189,645,000 |
| Effect Of Exchange Rate Changes | $1,452,000 | $7,989,000 | $-4,898,000 | $-18,734,000 |
| Changes In Cash | $-44,533,000 | $33,512,000 | $19,350,000 | $-26,999,000 |
| Common Stock Payments | $-90,402,000 | $0 | $0 | $-87,006,000 |
| Net Issuance Payments Of Debt | $149,603,000 | $352,175,000 | $276,332,000 | $3,577,000 |
| Net Long Term Debt Issuance | $149,603,000 | $352,175,000 | $276,332,000 | $3,577,000 |
| Long Term Debt Payments | $-1,623,651,000 | $-2,679,295,000 | $-1,253,902,000 | $-775,936,000 |
| Long Term Debt Issuance | $1,773,254,000 | $3,031,470,000 | $1,530,234,000 | $779,513,000 |
| Net Investment Purchase And Sale | $-252,073,000 | $-476,531,000 | $-402,076,000 | $-81,393,000 |
| Sale Of Investment | $1,136,991,000 | $859,911,000 | $658,130,000 | $709,176,000 |
| Purchase Of Investment | $-1,389,064,000 | $-1,336,442,000 | $-1,060,206,000 | $-790,569,000 |
| Net PPE Purchase And Sale | $11,380,000 | $27,177,000 | $928,000 | $-48,842,000 |
| Sale Of PPE | $37,650,000 | $56,396,000 | $52,636,000 | $27,722,000 |
| Purchase Of PPE | $-26,270,000 | $-29,219,000 | $-51,708,000 | $-76,564,000 |
| Change In Working Capital | $6,270,000 | $28,157,000 | $5,451,000 | $-37,717,000 |
| Change In Other Current Assets | $9,923,000 | $-28,245,000 | $15,894,000 | $-6,722,000 |
| Change In Payables And Accrued Expense | $-3,653,000 | $56,402,000 | $-10,443,000 | $-30,995,000 |
| Change In Payable | $-3,653,000 | $56,402,000 | $-10,443,000 | $-30,995,000 |
| Change In Account Payable | $-3,653,000 | $56,402,000 | $-10,443,000 | $-30,995,000 |
| Other Non Cash Items | $-186,753,000 | $123,945,000 | $97,431,000 | $-58,472,000 |
| Stock Based Compensation | $18,269,000 | $14,012,000 | $13,854,000 | $15,402,000 |
| Asset Impairment Charge | $0 | $119,144,000 | $256,926,000 | $4,075,000 |
| Deferred Tax | $29,819,000 | $-22,280,000 | $-55,916,000 | $46,410,000 |
| Deferred Income Tax | $29,819,000 | $-22,280,000 | $-55,916,000 | $46,410,000 |
| Depreciation Amortization Depletion | $28,760,000 | $32,434,000 | $41,737,000 | $46,419,000 |
| Depreciation And Amortization | $28,760,000 | $32,434,000 | $41,737,000 | $46,419,000 |
| Net Income From Continuing Operations | $256,834,000 | $-139,244,000 | $-206,492,000 | $194,564,000 |
| Net Short Term Debt Issuance | - | - | $206,419,000 | $263,810,000 |
| Short Term Debt Payments | - | - | $-989,627,000 | $-515,703,000 |
| Short Term Debt Issuance | - | - | $1,196,046,000 | $779,513,000 |
| Change In Other Working Capital | - | - | - | - |
| Provisionand Write Offof Assets | - | - | - | - |
Fetched: 2026-06-16