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Encore Capital Group, Inc. (ECPG) Total Return Calculator with Dividends Reinvested

Encore Capital Group, Inc.

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The total return for Encore Capital Group, Inc. (ECPG) stock is +155.27% over the past 12 months. So far it's up 50.67% this year. The 5-year total return is +95.59%, meaning $10,000 invested in ECPG stock 5 years ago would be worth $19,559 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in ECPG 1 year ago, it would be worth $25,589 today — you'd have gained $15,589.

With Dividends Reinvested$25,589+155.89%

Price Only (No DRIP)$25,589+155.89%

Period2025-05-07 → 2026-05-06

Price

Total Return (DRIP)

S&P 500

If You Invested $10,000 in ECPG

1Y$25,527+$15,527 (+155.3%)155.3% CAGR

3Y$17,738+$7,738 (+77.4%)21.1% CAGR

5Y$19,559+$9,559 (+95.6%)14.4% CAGR

10Y$31,131+$21,131 (+211.3%)12.0% CAGR

15Y$28,479+$18,479 (+184.8%)7.2% CAGR

20Y$60,172+$50,172 (+501.7%)9.4% CAGR

30Y$90,157+$80,157 (+801.6%)7.6% CAGR

Encore Capital Group, Inc. did not pay dividends during this period. Total return = price return.

Loading ECPG total return...

As of 2026-05-07

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+50.67%	—	+50.67%	—	$15,067
1Y	+155.27%	155.27%	+155.27%	—	$25,527
3Y	+77.38%	21.05%	+77.38%	—	$17,738
5Y	+95.59%	14.36%	+95.59%	—	$19,559
10Y	+211.31%	12.03%	+211.31%	—	$31,131
15Y	+184.79%	7.23%	+184.79%	—	$28,479
20Y	+501.72%	9.39%	+501.72%	—	$60,172
30Y	+801.57%	7.61%	+801.57%	—	$90,157

Risk & Highlights

Best Year+1158.33%2003

Worst Year-90.46%2000

Max Drawdown-12.63%2025-07-03 → 2025-08-01 · Recovered 2025-08-13

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	+22.14%	+22.14%	—	+0.41%	+21.7pp
2025	+15.64%	+15.64%	—	+16.64%	-1.0pp
2024	-7.37%	-7.37%	—	+24.00%	-31.4pp
2023	+2.88%	+2.88%	—	+24.81%	-21.9pp
2022	-21.93%	-21.93%	—	-19.95%	-2.0pp

ECPG outperformed the S&P 500 by 123.95pp over the past year (+155.27% vs +31.32%).

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ECPG Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
ECPGEncore Capital Group, Inc.	$1.8B	+16.1%	+50.7%	+155.3%	—	+77.4%	+95.6%	+211.3%
PRAProAssurance Corporation	$1.3B	+1.7%	+2.4%	+7.1%	—	+31.9%	-4.4%	-18.0%
PRAAPRA Group, Inc.	$819M	+18.0%	+21.8%	+56.9%	—	-38.1%	-46.8%	-32.6%
FCFSFirstCash Holdings, Inc	$10.0B	+18.9%	+44.7%	+69.9%	+1.2pp	+122.6%	+215.6%	+401.1%
RMRegional Management Corp.	$329M	+2.2%	-10.1%	+27.2%	+4.2pp	+44.5%	-3.9%	+161.7%
SLMSLM Corporation	$4.5B	+1.7%	-17.3%	-26.0%	+1.7pp	+62.5%	+21.4%	+274.8%
CACCCredit Acceptance Corporation	$5.6B	+22.4%	+18.9%	+8.6%	—	+21.0%	+29.4%	+191.3%
ALLYAlly Financial Inc.	$13.7B	+9.9%	-1.9%	+39.8%	+3.7pp	+91.1%	-5.2%	+209.7%
COFCapital One Financial Corporation	$119.7B	+5.0%	-21.7%	+5.6%	+1.5pp	+125.7%	+31.8%	+207.8%
SYFSynchrony Financial	$26.1B	+8.5%	-10.5%	+43.0%	+2.2pp	+186.1%	+78.6%	+179.0%
FICOFair Isaac Corporation	$24.7B	-2.5%	-35.1%	-48.2%	—	+44.9%	+115.9%	+906.5%

Compare:ECPG vs PRA ECPG vs PRAA ECPG vs FCFS ECPG vs PRA vs PRAA

About ECPG Dividend Returns

Encore Capital Group, Inc. (ECPG) does not currently pay dividends. Many growth-focused companies reinvest profits back into the business rather than distributing them as dividends.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of ECPG over the past year?

Encore Capital Group, Inc. (ECPG) delivered a return of 155.27% over the past year. Since ECPG does not currently pay dividends, the total return equals the price-only return.

Q2How much would $10,000 invested in ECPG be worth today?

A $10,000 investment in Encore Capital Group, Inc. one year ago would be worth $25,527 today, representing a gain of $15,527.

Q3Does ECPG pay dividends?

Encore Capital Group, Inc. (ECPG) does not currently pay dividends. Many growth-focused companies reinvest profits back into the business rather than distributing them as dividends. For ECPG, the total return equals the price-only return.

Q4Did ECPG beat the S&P 500?

Yes, Encore Capital Group, Inc. (ECPG) outperformed the S&P 500 by 123.95 percentage points over the past year. ECPG delivered a total return of 155.27%, compared to the S&P 500's 31.32%. This 123.95pp alpha means investors in ECPG earned more than a passive S&P 500 index fund.

Q5What is ECPG's worst drawdown?

Encore Capital Group, Inc. (ECPG) experienced a maximum drawdown of -12.63% over the past year, declining from its peak on 2025-07-03 to its trough on 2025-08-01. The stock recovered to its prior peak by 2025-08-13. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is ECPG's long-term total return over 10, 20, or 30 years?

Here are Encore Capital Group, Inc. (ECPG)'s long-term returns with dividends reinvested. Over 10 years, the total return is 211.3% (12.0% CAGR) — $10,000 would have grown to $31,131. Over 20 years: 501.7% total return (9.4% CAGR) — $10,000 → $60,172. Over 30 years: 801.6% total return (7.6% CAGR) — $10,000 → $90,157. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was ECPG's best and worst year?

Encore Capital Group, Inc.'s best calendar year was 2003 with a total return of 1158.3%. Its worst year was 2000 with a total return of -90.5%. This range shows the volatility investors should expect — the difference between the best and worst year is 1248.8 percentage points.