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Encore Capital Group, Inc. logo

Encore Capital Group, Inc.

ECPG

NASDAQFinancial ServicesFinancial - Credit Services

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Previous close

$101.21

+$3.07 · +3.13%

Aug 21, 4:00 PM ET

ECPG company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

100

Deep Value

Momentum

67

Gaining

Sentiment

64

Bullish

Risk resilience

71

Moderate Risk

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Company profile

Company website

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.

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
US
CEO
Ashish Masih
Listed since
Jul 9, 1999
Employees
7,350

Market position

Day range

Current $101.21

52-week range

Current $101.21

Open
$99.495
Previous close
$98.14
Volume
399.25K
1.13× average
Average volume
352.82K
Average daily volume
Market cap
2.17B USD
Beta
1.28
Market reference 1
50-day average
$91.9688
+10.05% above average
200-day average
$71.7236
+41.11% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

P/E (TTM)
7.45×
P/B (TTM)
2.02×
P/S (TTM)
1.14×
Dividend yield
0.00%

Profitability & efficiency

Gross margin
63.99%
Operating margin
37.73%
Net margin
15.88%

Financial health

Debt / equity
3.87×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends78%43%9%-25%Gross margin, FY2021: 57.48%Gross margin, FY2022: 55.04%Gross margin, FY2023: 46.72%Gross margin, FY2024: 45.85%Gross margin, FY2025: 68.98%Operating margin, FY2021: 39.22%Operating margin, FY2022: 33.05%Operating margin, FY2023: 1.35%Operating margin, FY2024: 11.95%Operating margin, FY2025: 35.38%Net margin, FY2021: 21.73%Net margin, FY2022: 13.91%Net margin, FY2023: -16.89%Net margin, FY2024: -10.58%Net margin, FY2025: 14.57%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 57.48%. Gross margin FY2022 55.04%. Gross margin FY2023 46.72%. Gross margin FY2024 45.85%. Gross margin FY2025 68.98%. Operating margin FY2021 39.22%. Operating margin FY2022 33.05%. Operating margin FY2023 1.35%. Operating margin FY2024 11.95%. Operating margin FY2025 35.38%. Net margin FY2021 21.73%. Net margin FY2022 13.91%. Net margin FY2023 -16.89%. Net margin FY2024 -10.58%. Net margin FY2025 14.57%.

Income trends

Revenue

1.76B USD+33.89%

Operating income

623.56M USD+296.34%

Net income

256.83M USD+396.08M USD
Income trends across reported periods1.96B USD1.17B USD384.21M USD−403.39M USDRevenue, FY2021: 1.61B USDRevenue, FY2022: 1.4B USDRevenue, FY2023: 1.22B USDRevenue, FY2024: 1.32B USDRevenue, FY2025: 1.76B USDOperating income, FY2021: 633.27M USDOperating income, FY2022: 462.17M USDOperating income, FY2023: 16.54M USDOperating income, FY2024: 157.33M USDOperating income, FY2025: 623.56M USDNet income, FY2021: 350.78M USDNet income, FY2022: 194.56M USDNet income, FY2023: −206.49M USDNet income, FY2024: −139.24M USDNet income, FY2025: 256.83M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 1.61B USD. Revenue FY2022 1.4B USD. Revenue FY2023 1.22B USD. Revenue FY2024 1.32B USD. Revenue FY2025 1.76B USD. Operating income FY2021 633.27M USD. Operating income FY2022 462.17M USD. Operating income FY2023 16.54M USD. Operating income FY2024 157.33M USD. Operating income FY2025 623.56M USD. Net income FY2021 350.78M USD. Net income FY2022 194.56M USD. Net income FY2023 −206.49M USD. Net income FY2024 −139.24M USD. Net income FY2025 256.83M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue1.76B USD1.32B USD1.22B USD1.4B USD1.61B USD
Cost of goods sold546.73M USD712.8M USD651.44M USD628.65M USD686.52M USD
Gross profit1.22B USD603.56M USD571.24M USD769.7M USD927.98M USD
Selling, general, and administrative165.95M USD163.85M USD144.86M USD145.8M USD137.7M USD
Operating expenses592.22M USD446.23M USD554.7M USD307.53M USD294.71M USD
Interest expense287.63M USD252.55M USD201.88M USD153.31M USD169.65M USD
Depreciation and amortization28.76M USD32.43M USD41.74M USD46.42M USD50.08M USD
Operating income623.56M USD157.33M USD16.54M USD462.17M USD633.27M USD
Net income256.83M USD−139.24M USD−206.49M USD194.56M USD350.78M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
82%
9 beats, 2 misses, 0 met estimates
Average EPS surprise
+24.00%
11 comparable reports
Latest EPS result
2.81
Estimate 2.67 · Beat by 5.24%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates4.073.062.061.05Q1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 26, 2025: actual 1.5, estimate 1.55, surprise -3.23%, Miss. Q2 2025, reported May 7, 2025: actual 1.93, estimate 1.24, surprise +55.65%, Beat. Q3 2025, reported Aug 6, 2025: actual 2.49, estimate 1.44, surprise +72.92%, Beat. Q4 2025, reported Nov 5, 2025: actual 3.17, estimate 1.92, surprise +65.10%, Beat. Q1 2026, reported Feb 25, 2026: actual 3.37, estimate 2.2, surprise +53.18%, Beat. Q2 2026, reported May 6, 2026: actual 3.86, estimate 3.26, surprise +18.40%, Beat. Q3 2026, reported Aug 5, 2026: actual 2.81, estimate 2.67, surprise +5.24%, Beat. Q4 2026, reported Nov 4, 2026: actual —, estimate 3.35, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates511.55M423.01M334.48M245.94MQ1 '25MissQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 26, 2025: actual 265.62M USD, estimate 373.4M USD, surprise -28.86%, Miss. Q2 2025, reported May 7, 2025: actual 392.78M USD, estimate 374.49M USD, surprise +4.88%, Beat. Q3 2025, reported Aug 6, 2025: actual 442.12M USD, estimate 393.31M USD, surprise +12.41%, Beat. Q4 2025, reported Nov 5, 2025: actual 460.35M USD, estimate 423.14M USD, surprise +8.79%, Beat. Q1 2026, reported Feb 25, 2026: actual 473.55M USD, estimate 422.19M USD, surprise +12.17%, Beat. Q2 2026, reported May 6, 2026: actual 475.41M USD, estimate 446.26M USD, surprise +6.53%, Beat. Q3 2026, reported Aug 5, 2026: actual 491.87M USD, estimate 455.1M USD, surprise +8.08%, Beat. Q4 2026, reported Nov 4, 2026: actual —, estimate 466.8M USD, surprise —, Comparison unavailable.

ECPG news

globenewswire.com

Robert W. Beck Appointed to Encore Capital Group Board of Directors

SAN DIEGO, Aug. 19, 2026 (GLOBE NEWSWIRE) -- Encore Capital Group, Inc. (NASDAQ: ECPG), an international specialty finance company, announced today the appointment of Robert (Rob) Beck to its board of directors,…

Read source
defenseworld.net

Empowered Funds LLC Grows Stock Holdings in Encore Capital Group Inc $ECPG

Empowered Funds LLC grew its position in shares of Encore Capital Group Inc (NASDAQ: ECPG) by 5.1% in the undefined quarter, according to the company in its most recent Form 13F filing with the Securities and Exchange…

Read source
defenseworld.net

Assenagon Asset Management S.A. Grows Position in Encore Capital Group Inc $ECPG

Assenagon Asset Management S.A. lifted its holdings in shares of Encore Capital Group Inc (NASDAQ: ECPG) by 380.5% during the second quarter, according to its most recent 13F filing with the Securities and Exchange…

Read source
zacks.com

Can Encore Capital's Raised 2026 Outlook Drive More Earnings Growth?

ECPG's raised 2026 earnings and collections outlook improves visibility, while refinancing savings support growth amid cost and leverage risks.

Read source
zacks.com

Is ECPG a Buy Now as Cheap Valuation Meets Rising Earnings Momentum?

Encore Capital???s discounted valuation and rising earnings estimates support the upside case, while debt, legal costs and U.S. concentration keep risks elevated.

Read source
zacks.com

ECPG Rises 16.3% in 3 Months Amid Record Collections and Higher EPS

Encore Capital's 16.3% three-month rise is backed by record collections, higher earnings expectations and a peer valuation discount, despite cost and leverage risks.

Read source

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ETFs holding ECPG

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core S&P Small-Cap ETF logoiShares Core S&P Small-Cap ETFIJR
Market value
135.4M
Weight
0.12%
AUM
111.19B USD
Expense ratio
0.06%
Price / 1D
$147.31+0.64%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
60.62M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
58.09M
Weight
0.19%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.45+0.66%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
53.65M
Weight
0.07%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Morningstar Small-Cap ETF logoVanguard Morningstar Small-Cap ETFVB
Market value
44.08M
Weight
0.02%
AUM
183.4B USD
Expense ratio
0.03%
Price / 1D
$304.76+0.64%
Fidelity Enhanced Small Cap ETF logoFidelity Enhanced Small Cap ETFFESM
Market value
32.34M
Weight
0.50%
AUM
6.03B USD
Expense ratio
0.28%
Price / 1D
$47.94+0.80%
Vanguard Morningstar Small-Cap Value ETF logoVanguard Morningstar Small-Cap Value ETFVBR
Market value
27.98M
Weight
0.04%
AUM
68.3B USD
Expense ratio
0.05%
Price / 1D
$249.18+0.68%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
23.21M
Weight
0.02%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%

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