Encore Capital Group, Inc. (NASDAQ: ECPG) is a Financial Services company in the Financial - Mortgages industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.
Latest market price
95.54
-0.74-0.77%
Earnings
Down 0.8% — Reported earnings — EPS beat by 28%, revenue beat by 7%.
High confidence
TA
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Snapshot
| Index | - | P/E | 7.41 | EPS (ttm) | 12.89 | Insider Own | 23.25% | Shs Outstand | 21.44M | Perf Week | -0.38% |
| Market Cap | 2.05B | Forward P/E | 6.83 | EPS next Y | 13.99 | Insider Trans | -0.41% | Shs Float | 20.94M | Perf Month | 6.74% |
| Enterprise Value | 5.86B | PEG | 0.93 | EPS next Q | - | Inst Own | - | Short Float | 5.77% | Perf Quarter | 14.85% |
| Income | 297.00M | P/S | 1.11 | EPS this Y | 0.45% | Inst Trans | - | Short Ratio | 3.53 | Perf Half Y | 71.03% |
| Sales | 1.85B | P/B | 1.98 | EPS next Y | 8.01% | ROA | 5.44% | Short Interest | 1.21M | Perf YTD | 75.79% |
| Book/sh | 48.27 | P/C | 9.02 | EPS next 5Y | 8.01% | ROE | 30.70% | 52W High | 98.15 -2.66% | Perf Year | 165.61% |
| Cash/sh | 10.59 | P/FCF | 12.14 | EPS past 3/5Y | 13.51% 10.31% | ROIC | 10.01% | 52W Low | 36.07 164.87% | Perf 3Y | 81.29% |
| Dividend Est. | - | EV/EBITDA | 8.33 | Sales past 3/5Y | 8.04% 3.27% | Gross Margin | 73.15% | Volatility | 3.35% 3.53% | Perf 5Y | 102.03% |
| Dividend TTM | - | EV/Sales | 3.17 | EPS Y/Y TTM | 321.10% | Oper. Margin | 36.79% | ATR (14) | 3.30 | Perf 10Y | 301.94% |
| Dividend Ex-Date | - | Quick Ratio | 0.33 | Sales Y/Y TTM | 40.50% | Profit Margin | 16.02% | RSI (14) | 60.93 | Recom | 2.20 |
| Dividend Gr. 3/5Y | - | Current Ratio | 0.33 | EPS Q/Q | 100.00% | SMA20 | 4.30% | Beta | 1.25 | Target Price | 100.00 |
| Payout | 0.00% | Debt/Eq | 4.23 | Sales Q/Q | 20.36% | SMA50 | 9.72% | Rel Volume | 0.83 | Prev Close | 96.28 |
| Employees | 7,350 | LT Debt/Eq | 4.23 | Earnings | Aug 05 | SMA200 | 40.38% | Avg Volume | 348.57K | Price | 95.54 |
| IPO Date | Jul 09, 1999 | Option/Short | Yes / Yes | EPS/Sales Surpr. | 27.92% 6.53% | Net Debt/EBITDA | 5.42 | Volume | 290,287 | Change | -0.77% |
Analyst Ratings
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Apr-21-26 | Reiterated | Truist Financial | Buy | $80 → $100 |
| Jan-22-26 | Reiterated | Northland Securities | Outperform | $61 → $70 |
| Oct-17-24 | Upgrade | Northland Capital Markets | Market Perform → Outperform | $58 |
| Mar-28-23 | Upgrade | Janney Montgomery Scott | Neutral → Buy | |
| Feb-14-23 | Downgrade | Northland Capital Markets | Outperform → Market Perform | |
| Jan-15-19 | Upgrade | Oppenheimer | Perform → Outperform | |
| Oct-02-18 | Downgrade | Oppenheimer | Outperform → Perform | |
| Aug-09-18 | Upgrade | Northland Securities | Market Perform → Outperform | |
| Feb-24-17 | Downgrade | Janney Montgomery Scott | Buy → Neutral | |
| Feb-24-17 | Downgrade | Janney Capital | Buy → Neutral |
Latest News
Aug-03-26
Jul-30-26
Jul-30-2603:28AM
Jul-22-26
04:05PM
Jul-17-26
Jul-06-26
Jul-06-2604:05PM
09:30AM
Jun-24-26
Jun-24-2611:01AM
11:01AM
11:01AM
11:01AM
11:01AM
Jun-17-26
Jun-17-2610:38AM
07:47AM
Company
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.
Ownership
Per-holder 13F data hasn't been ingested for this ticker yet.
Financial Statements
DataTimeframe
| Line Item (USD, M) | TTM — | FY 2025 12/31/2025 | FY 2024 12/31/2024 | FY 2023 12/31/2023 | FY 2022 12/31/2022 | FY 2021 12/31/2021 | FY 2020 12/31/2020 | FY 2019 12/31/2019 | FY 2018 12/31/2018 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 1,849 | 1,763 | 1,316 | 1,223 | 1,398 | 1,614 | 1,501 | 1,398 | 1,362 | |
| Cost of Goods Sold Incl. D&A | 497 | 547 | 713 | 651 | 629 | 687 | 667 | 643 | 622 | |
| Gross Profit | 1,353 | 1,216 | 604 | 571 | 770 | 928 | 834 | 755 | 740 | |
| Selling, General and Administrative Excl. Other | 124 | 166 | 164 | 145 | 146 | 138 | 149 | 148 | 158 | |
| Research and Development | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Other Operating Expense | 548 | 426 | 282 | 410 | 162 | 157 | 152 | 160 | 177 | |
| Operating Income | 680 | 624 | 157 | 17 | 462 | 633 | 534 | 446 | 405 | |
| Interest Expense | 288 | 288 | 253 | 202 | 153 | 170 | 209 | 218 | 237 | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | -6 | 0 | -1 | 5 | 2 | -27 | -41 | -27 | -11 | |
| Net Income Before Taxes | 388 | 336 | -96 | -180 | 311 | 437 | 283 | 201 | 156 | |
| Income Taxes | 90 | 79 | 43 | 26 | 116 | 85 | 70 | 32 | 47 | |
| Consolidated Net Income | 297 | 257 | -139 | -206 | 195 | 351 | 212 | 168 | 116 | |
| Net Income From Continuing Operations | 297 | 257 | -139 | -206 | 195 | 351 | 213 | 169 | 110 | |
| Net Income | 297 | 257 | -139 | -206 | 195 | 351 | 212 | 168 | 116 | |
| EPS (Recurring) | 13.12 | 11.05 | -5.83 | -8.72 | 8.06 | 11.64 | 6.74 | 5.38 | 4.09 | |
| EPS (Basic, Before Extraordinaries) | 13.12 | 11.05 | -5.83 | -8.72 | 8.06 | 11.64 | 6.74 | 5.38 | 4.09 | |
| EPS (Diluted) | 12.89 | 10.91 | -5.83 | -8.72 | 7.46 | 11.26 | 6.68 | 5.33 | 4.06 | |
| EBITDA | 703 | 653 | 174 | 63 | 511 | 656 | 535 | 460 | 435 | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 7.41 | 4.98 | — | — | 6.43 | 5.52 | 5.83 | 6.63 | 5.79 | |
| Price To Sales Ratio | 1.14 | 0.71 | 0.87 | 1.00 | 0.82 | 1.15 | 0.80 | 0.78 | 0.48 | |
| Gross Margin | 73.17 | 68.97 | 45.90 | 46.69 | 55.08 | 57.50 | 55.56 | 54.01 | 54.33 | |
| Operating Margin | 36.78 | 35.39 | 11.93 | 1.39 | 33.05 | 39.22 | 35.58 | 31.90 | 29.74 | |
| Net Margin | 16.06 | 14.58 | -10.56 | -16.84 | 13.95 | 21.75 | 14.12 | 12.02 | 8.52 | |
| Shares Outstanding | 22 | 23 | 24 | 24 | 24 | 30 | 31 | 31 | 28 | |
| Market Capitalization | 2,102 | 1,250 | 1,146 | 1,218 | 1,151 | 1,863 | 1,207 | 1,096 | 658 | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
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Insider Trading Volume
Insider Trading
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| Yung John | President, Intl. and Cabot | Jun 11 '26 | Sale | 80.51 | 2,000 | 161,020 | 62,570 | Jun 11 |
| Yung John | President, Intl. and Cabot | Jun 10 '26 | Sale | 82.08 | 2,000 | 164,160 | 64,570 | Jun 11 |
| Asch Andrew Eric | SVP, General Counsel | Jun 10 '26 | Sale | 82.08 | 774 | 63,530 | 21,607 | Jun 11 |
| Asch Andrew Eric | SVP, General Counsel | Jun 09 '26 | Sale | 81.47 | 8,311 | 677,110 | 22,381 | Jun 11 |
| Bell Ryan B | President, MCM | Mar 03 '26 | Sale | 68.62 | 260 | 17,841 | 47,910 | Mar 04 |
| Bell Ryan B | President, MCM | Mar 02 '26 | Sale | 69.04 | 7,240 | 499,844 | 48,170 | Mar 04 |
| Bell Ryan B | President, MCM | Dec 10 '25 | Sale | 55.00 | 2,500 | 137,500 | 55,410 | Dec 11 |
| OLLE LAURA | Director | Dec 03 '25 | Sale | 52.79 | 1,423 | 75,120 | 35,024 | Dec 04 |
| Yung John | President, Intl. and Cabot | Nov 26 '25 | Sale | 52.00 | 1,000 | 52,000 | 56,609 | Nov 26 |
| Yung John | President, Intl. and Cabot | Nov 06 '25 | Sale | 50.00 | 5,000 | 250,000 | 57,609 | Nov 10 |
| Bell Ryan B | President, MCM | Nov 06 '25 | Sale | 50.00 | 5,000 | 250,000 | 57,910 | Nov 10 |
| Masih Ashish | President and CEO | Mar 05 '25 | Buy | 35.14 | 20,000 | 702,800 | 322,254 | Mar 05 |
| Gupta Ashwini | Director | Mar 05 '25 | Buy | 35.10 | 40,000 | 1,404,000 | 96,909 | Mar 05 |
| OLLE LAURA | Director | Nov 27 '24 | Sale | 49.16 | 1,340 | 65,874 | 32,381 | Nov 27 |
| Asch Andrew Eric | SVP, General Counsel | Jul 17 '24 | Sale | 50.00 | 1,251 | 62,550 | 18,075 | Jul 18 |
QuoTrend signals describe historical patterns and statistics — educational information, not investment advice or a recommendation to buy or sell. Past performance doesn’t guarantee future results. Every figure traces to QuoTrend data. Historical patterns — not a prediction or advice.