Inside the research
Encore Capital Group, Inc.
ECPG Research profile · latest available data
Price overview
$98.41
▲ +0.83 (+0.9%)
| 52w hi | $103.74 |
|---|---|
| 52w lo | $40.53 |
| Vol | 196.40K |
| As of | 25 Sep 2026 |
The Verdict
Our score +0.25
| Short | +0.20 |
|---|---|
| Medium | +0.27 |
| Long | +0.30 |
computed 2026-09-27
Key fundamentals
Encore Capital Group, Inc.
Financial Services · Credit Services
| Market cap | $2.09B |
|---|---|
| Enterprise value | $6.09B |
| Trailing P/E | 7.48x |
| Forward P/E | 7.37x |
| EV / EBITDA | 8.17x |
| P / S (ttm) | 1.10x |
| Profit margin | 15.9% |
| Return on equity | 30.5% |
| Revenue growth | +11.3% |
| Earnings growth | +12.9% |
| Debt / equity | 388.06 |
Layer Breakdown
| Layer | Raw | Contribution |
|---|---|---|
| Fundamental | +0.30 | |
| Sector | +0.02 | |
| Technical | +0.14 | |
| Earnings | +0.00 | |
| Sentiment | +0.00 |
macro × 1.00 · 2026-09-27
Business overview
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.
Risk Metrics
| Beta vs SPX | 1.27 |
|---|---|
| Corr SPX | 0.46 |
| Annual vol | 44.0% |
| Annual ret | +45.6% |
| Sharpe | 1.04 |
| Max DD | -47.1% |
Window: 504 trading days (504 obs)
Material Events
| Date | Event | 8-K |
|---|---|---|
| 2026-08-05 | Earnings Release, Exhibits | read |
| 2026-07-22 | Reg FD Disclosure, Other Material Event… | read |
| 2026-06-16 | Officer / Director Change, Bylaws Amendment… | read |
| 2026-05-29 | Material Agreement, Material Obligation… | read |
| 2026-05-26 | Material Agreement, Material Obligation… | read |
| 2026-05-14 | Other Material Event, Exhibits | read |
| 2026-05-12 | Other Material Event, Exhibits | read |
| 2026-05-06 | Earnings Release, Exhibits | read |
| 2026-03-20 | Officer / Director Change, Bylaws Amendment… | read |
| 2026-02-25 | Earnings Release, Exhibits | read |
| 2025-11-05 | Reg FD Disclosure, Exhibits | read |
| 2025-11-05 | Earnings Release, Exhibits | read |
Insider Trades
| Date | Insider | Role | Action | Shares | Value |
|---|---|---|---|---|---|
| 2026-06-22 | Stovsky Richard P | Grant | 2.14K | $179.99K | |
| 2026-06-22 | OLLE LAURA | Grant | 2.14K | — | |
| 2026-06-22 | MONACO MICHAEL P | Grant | 2.14K | $179.99K | |
| 2026-06-22 | Angela A. Knight | Grant | 2.14K | $179.99K | |
| 2026-06-22 | Hilzinger Jeffrey Albert | Grant | 2.14K | $179.99K | |
| 2026-06-22 | Gupta Ashwini | Grant | 2.14K | $179.99K | |
| 2026-06-22 | Goings William C. | Grant | 2.14K | $179.99K | |
| 2026-06-11 | Yung John | President, Intl. and Cabo | Sell | 2.00K | $161.02K |
| 2026-06-10 | Yung John | President, Intl. and Cabo | Sell | 2.00K | $164.16K |
| 2026-06-10 | Asch Andrew Eric | SVP, General Counsel | Sell | 774 | $63.53K |
Flow & Concentration
| Insider 180d net | -$1.07M |
|---|---|
| Insider buys / sells | 0 / 6 |
| Insider bias | Neutral |
| 13F holders | 0 |
| Top-5 share | 0.0% |
| HHI | 0 (—) |
SEC Filings
The Long Run
FY 2011–2025 · 15 years
| Line | Latest | CAGR | Trend |
|---|---|---|---|
| Revenue | $88.39M | -9.9% | |
| Operating income | $626.65M | +17.4% | |
| Net income | $256.83M | +18.6% | |
| Cash from ops | $153.20M | +4.7% |
Indices
Recent Sessions
| Date | Open | High | Low | Close | Vol |
|---|---|---|---|---|---|
| Sep 25 | $98.43 | $99.22 | $97.78 | $98.41 | 196.40K |
| Sep 24 | $94.60 | $98.34 | $94.50 | $97.58 | 292.70K |
| Sep 23 | $96.91 | $97.10 | $93.60 | $94.47 | 227.30K |
| Sep 22 | $100.10 | $102.00 | $96.87 | $98.29 | 357.60K |
| Sep 21 | $100.66 | $102.32 | $99.01 | $99.37 | 361.50K |
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