ECPG logo

ENCORE CAPITAL GROUP INC

ECPGNASDAQ
πŸ† #1965 by market capUS Equity
$95.25β–Ό $1.23 (βˆ’1.29%)
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🏦Market Cap
$2.04B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+33.9%
High Growth
πŸ“ŠGross Margin
64.0%
High
πŸ’΅FCF Margin
6.8%
Moderate
βš–οΈP/S Ratio
1.1x
Cheap
Otter Score
76
Good
No chart data available for ECPG.

Trading Snapshot

Day Range
$94.86 – $96.36
52-Week Range
$39.95 – $104.98
Volume
$3.20B
Avg Volume
$4.19B
Shares Outstanding
21.4M
Next Earnings
Dec 11, 2026

Fundamentals Snapshot

Annual Revenue
$1.76B
Last Q Revenue
$492M
P/E Ratio
7.1
P/S Ratio
1.1x
EPS (TTM)
$13.99
Dividend Yield
0.00%
Dilution (1yr)
βˆ’4.6%

Why Investors Own ECPG

  • βœ“High-growth profile β€” revenue up +15.5% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 67% gross margin and 28% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

ECPG logo

ENCORE CAPITAL GROUP INC

ECPG
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$1.8Bβ–² +33.9% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
69.0%β–² +50.4% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$624Mβ–² +296.3% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$127Mβ–² +0.0% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
22.8Mβ–Ό βˆ’4.6% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$4.0Bβ–Ό βˆ’$502M YoY
StockOtter Β· stockotter.space

About ENCORE CAPITAL GROUP INC

Encore Capital Group, Inc. operates as a specialized financial institution, offering global solutions for debt resolution and associated support services to individual consumers holding diverse financial assets. The company acquires portfolios of consumer debts that are in default, often at substantial discounts from their original value. It then oversees these accounts by engaging with individuals to assist them in fulfilling their repayment responsibilities and working towards their financial recovery. Additionally, Encore Capital Group provides a range of services including initial collection efforts, business process outsourcing, performance-based collection, loan servicing, and various other portfolio administration services to lenders grappling with non-performing loans. The enterprise was established in 1999 and its main offices are situated in San Diego, California.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Good
76/100

Analyst Price Target

β“˜
Average Target
$112.38
β–² +18.0% Upside
High Target$130.26
Low Target$104.35
Based on 30 analysts

Latest News & Updates

Seeking AlphaΒ·2d ago

Encore Capital Group: Favorable U.S. Credit Conditions Support Growth

Encore Capital Group benefits from robust US portfolio conditions, enabling more efficient capital deployment and stronger profitability. ECPG's strategic capital shift to higher-yielding US debt portfolios has driven re

MarketBeatΒ·7d ago

Encore Capital Group Has Doubledβ€”But Its Best Tailwind Won't Last Forever

Encore Capital Group TodayECPGEncore Capital Group$99.37 -0.17Β (-0.17%) As of 09/21/2026 04:00 PM Eastern52-Week Range$39.94β–Ό$104.98P/E Ratio7.52Price Target$89.75Add to WatchlistEncore Capital Group NASDAQ: ECPG has bui

Defense WorldΒ·18d ago

Hsbc Holdings PLC Acquires 13,089 Shares of Encore Capital Group Inc $ECPG

Hsbc Holdings PLC boosted its holdings in shares of Encore Capital Group Inc (NASDAQ: ECPG) by 36.6% in the undefined quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commi

Zacks Investment ResearchΒ·19d ago

2 Consumer Loan Stocks to Buy on Favorable Industry Dynamics

While subdued asset quality and macro uncertainty are headwinds, higher rates for longer, digitization and easier lending criteria aid the Zacks Consumer Loans industry. So, firms like ENVA and ECPG are poised to gain.

Zacks Investment ResearchΒ·25d ago

Why Is Encore Capital Group (ECPG) Down 1% Since Last Earnings Report?

Encore Capital Group (ECPG) reported earnings 30 days ago. What's next for the stock?

Defense WorldΒ·25d ago

Encore Capital Group (NASDAQ:ECPG) vs. Katapult (NASDAQ:KPLT) Head-To-Head Review

Katapult (NASDAQ: KPLT - Get Free Report) and Encore Capital Group (NASDAQ: ECPG - Get Free Report) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of t