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ECPGEncore Capital Group, Inc.
$98.29$2.1B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
ECPG logo

Encore Capital Group, Inc.

ECPG
NASDAQ · Mortgage Finance
$98.29
At close - Sep 22, 4:00 PM EDT - USD
Market Cap$2.11B
P/E9.0x
52W High$104.98
Volume357.39K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Collections Momentum Drives Earnings Despite Provision Volatility

Encore Capital Group is executing a successful turnaround, with revenue growing 11.2% year-over-year to $491.9M in Q2 2026 and EPS of $2.81, reflecting strong collections and operating leverage. The company's aggressive portfolio purchases ($440.8M in Q2 2026)...

GrowthAccelerating
ProfitabilityStrong
ValuationAttractive
TechnicalsMixed
Explore valuation models
MARKET ACTION

ECPG price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

9/12 Beats

EPS beat 9 of last 12 quarters

02

Valuation risk

-45% Peers

P/E is 45% below peer median

03

Market leadership

RS 88 · Leader

High momentum (Outperforming 88% of market)

04

Mixed Trend

Mixed

Price < 50DMA but > 200DMA

Next CatalystEstimated earnings · Nov 5

Market performance

Price History →

Trailing total returns as of 9/23/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
ECPG+75.80%
S&P 500 (^GSPC)+13.20%
1-Year Return
ECPG+116.21%
S&P 500 (^GSPC)+15.98%
3-Year Return
ECPG+115.08%
S&P 500 (^GSPC)+83.12%
5-Year Return
ECPG+103.96%
S&P 500 (^GSPC)+74.84%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
9.0x
Forward P/EExpansion
7.3x
EV/EBITDA60th %ile
9.3x
FCF YieldCash Flow
6.0%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
9.0x
5.5x
100th· High
EV/EBITDA
9.3x
8.1x
60th· Fair
Price/FCF
16.6x
9.3x
100th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$110.38+12.3%
Base (Fair)$123.18+23.7%
Bull$161.67+64.5%
$110.38 Bear$123.18 Base$161.67 Bull
Current Market Price: $98.29
Trades at a 20.2% discount to Base DCF ($123.18)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue
$1.47B+38.6% YoY
Net income
$257M+284.4% YoY
Free cash flow
$127M-0.0% YoY
Operating margin
35.4%+23.4 pts YoY
ROIC (TTM)9.8%
Avg ROIC 5Y-
ROE (TTM)29.5%
Piotroski Score7 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate9/12 (75%)
Revenue Beat Rate7/12 (58%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Aug 5, 2026
$2.81+5.2%
vs $2.67
$492M+8.1%
vs $455M
Q2 2026
May 6, 2026
$3.86+18.4%
vs $3.26
$475M+6.5%
vs $446M
Q1 2026
Feb 25, 2026
$3.37+53.2%
vs $2.20
$474M+12.2%
vs $422M
Q4 2025
Nov 5, 2025
$3.17+65.1%
vs $1.92
$460M+8.8%
vs $423M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Defense World·Sep 11, 2026
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 Commission. The firm owned 48,827 shares of the asset manager's stock after purchasing an additional 13,089 shares

Zacks Investment Research·Sep 10, 2026
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 Research·Sep 4, 2026
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 World·Sep 4, 2026
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 their institutional ownership, risk, valuation, earnings, analyst recommendations, profitability and dividends. Analyst Ratings This is a summary of current

Filtered for Encore Capital Group, Inc.More Headlines
04

Compare before deciding

Benchmark ECPG against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Encore Capital Group, Inc. (ECPG)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
ECPG logoECPGEncore Capital Group, Inc.Current
$98.29$2.11B9.0138.64%14.57%29.45%—
PRA logoPRAProAssurance Corporation
$25.00$1.29B25.25-2.67%6.04%4.95%—
PRAA logoPRAAPRA Group, Inc.
$20.58$784.94M-2.64-4.51%-23.24%-25.21%—
FCFS logoFCFSFirstCash Holdings, Inc
$220.87$9.58B29.777.81%9.42%17.07%—
RM logoRMRegional Management Corp.
$31.28$288.03M7.039.1%7.4%13.25%—
SLM logoSLMSLM Corporation
$24.25$4.56B7.017.32%23.97%30.31%—

Compare ECPG vs Peers

Encore Capital Group, Inc. (ECPG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs PRA

Most directly comparable listed peer for ECPG.

Scale Benchmark

vs COF

Larger-name benchmark to compare ECPG against a more recognizable public peer.

Peer Set

Compare Top 5

vs PRA, PRAA, FCFS, RM

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

ECPG SEC Filings & Documents

Encore Capital Group, Inc. (ECPG) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Aug 5, 2026·SEC

Material company update

Jul 22, 2026·SEC

Material company update

Jun 16, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 25, 2026·SEC

FY 2025

Feb 26, 2025·SEC

FY 2024

Feb 21, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 5, 2026·SEC

FY 2026

May 6, 2026·SEC

FY 2025

Nov 5, 2025·SEC

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ECPG Frequently Asked Questions

Encore Capital Group, Inc. (ECPG) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Encore Capital Group, Inc. growing?

Encore Capital Group, Inc. (ECPG) grew revenue by 38.6% over the past year. This is strong growth.

Is ECPG profitable?

Yes, Encore Capital Group, Inc. (ECPG) is profitable, generating $301.6M in net income for fiscal year 2025 (14.6% net margin).

Dividend & Returns
What is ECPG's return on equity?

Encore Capital Group, Inc. (ECPG) has a return on equity (ROE) of 29.5%. This is excellent, indicating efficient use of shareholder capital.

Industry Metrics
What is Encore Capital Group, Inc.'s net interest margin?

Encore Capital Group, Inc. (ECPG) has a net interest margin (NIM) of -5.4%. NIM has been under pressure due to interest rate environment.

What is Encore Capital Group, Inc.'s efficiency ratio?

Encore Capital Group, Inc. (ECPG) has an efficiency ratio of 33.6%. This is excellent, indicating strong cost control.

What if you invested $1,000 in ECPG back in 1998?

Total return calculator · dividends reinvested · 28+ years of data

See returns →