Financials / Credit ServicesUpdated 2026-05-10 22:07 UTC

ECPG stock hub

Encore Capital Group, Inc. has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

1.8B

NASDAQ

Market data

Live price

Current market quote for this ticker.

Current price

ECPG

In the news

Latest news · ECPG

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E6.8

P25 8.8P50 10.4P75 13.1

Trailing P/E6.5

P25 10.9P50 14.7P75 36.2

ROE32

P25 4.9P50 10.4P75 15

ROIC10.7

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All ECPG market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

266

Groups with data

Currency

USD

Showing 266 of 266 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0001084961
Company name	Encore Capital Group, Inc.
Country	United States
Country code	US
Cusip	292554102
Employees	7,350
Employees Change	-50%
Employees Change Percent	-0.68
Enterprise value	$5.6B
Exchange	NASDAQ
Financial currency	USD
First seen	2026-05-09
Industry	Credit Services
IPO Date	1999-06-30
Isin	US2925541029
Last refreshed	2026-05-10
Market cap	$1.8B
Market cap category	Small-Cap
Price	$83.88
Price currency	USD
Rev Per Employee	251,896.33x
Sector	Financials
Sic	6153
Symbol	ECPG
Website	https://www.encorecapital.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	16.47%
EV Earnings	18.94x
EV Sales Forward	2.99x
EV/EBIT	8.24x
EV/EBITDA	7.91x
EV/FCF	33.79x
EV/Sales	3.03x
FCF yield	9.24%
Forward P/E	6.78x
P/B ratio	1.74x
P/E ratio	6.53x
P/S ratio	0.97x
PE Ratio10 Y	19.37x
PS Forward	0.96x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT Margin	36.8%
EBITDA Margin	38.33%
FCF margin	8.97%
Gross margin	100%
Gross Profit	$1.9B
Gross Profit Growth	34.09%
Gross Profit Growth Q	21.04%
Gross Profit Growth3 Y	15.19%
Gross Profit Growth5 Y	2.59%
Net Income	$296.3M
Net Income Growth Q	84.3%
Net Income Growth Quarters	9%
Net Income Growth Years	2%
Net Income Growth3 Y	99.27%
Net Income Growth5 Y	-1.34%
Pretax Margin	20.93%
Profit Margin	16%
Profit Per Employee	$40,310
Profitable Years	1
ROA	8.17
Roa5y	5.98
ROCE	13.13
ROE	31.96
Roe5y	7.85
ROIC	10.69
Roic5y	8.53

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	11.98%
Cagr15y	7.2%
Cagr1y	154.96%
Cagr20y	9.35%
Cagr3y	19.97%
Cagr5y	14.25%
EPS Growth Q	100
EPS Growth Quarters	9
EPS Growth Years	2
EPS Growth3 Y	105.9
EPS Growth5 Y	5.25
FCF Growth	36.9%
FCF Growth Q	102.31%
FCF Growth3 Y	4.2%
FCF Growth5 Y	-9.44%
OCF Growth	26.43%
OCF Growth Q	81.8%
OCF Growth10 Y	4.13%
OCF Growth3 Y	-0.32%
OCF Growth5 Y	-9.37%
Revenue Growth	34.09x
Revenue Growth Q	21.04x
Revenue Growth Quarters	5x
Revenue Growth Years	2x
Revenue Growth3 Y	15.19x
Revenue Growth5 Y	2.59x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	$0.36
Assets	$5.5B
Cash	$227.2M
Current Assets	$4.7B
Current Liabilities	$260M
Debt	$4B
Debt EBITDA	$5.57
Debt Equity	$3.91
Debt FCF	$24.33
Equity	$1B
Interest Coverage	2.3
Liabilities	$4.4B
Long Term Assets	$707.8M
Long Term Liabilities	$4.2B
Net Cash	$-3.8B
Net Cash By Market Cap	$-212
Net Debt EBITDA	$5.37
Net Debt Equity	$3.69
Net Debt FCF	$22.96
Tangible Book Value	$505.3M
Tangible Book Value Per Share	$23.5
WACC	7.45

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	18.24
Net Working Capital	$4.3B
Quick ratio	18.06
Working Capital	$4.5B
Working Capital Turnover	$0.44

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	3.56%
Dividend Yield	0%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	209.98%
1Y total return	154.8%
200-day SMA	54.94
3Y total return	72.7%
50-day SMA	75.12
50-day SMA vs 200-day SMA	50over200
5Y total return	94.62%
All Time High	92.64
All Time High Change	-9.46%
All Time High Date	2026-05-07
All Time Low	0.13
All Time Low Change	67,004%
All Time Low Date	2000-12-14
ATR	3.21
Beta	1.33
Beta1y	0.56
Beta2y	0.83
Ch YTD	54.33
High	84.21
High52	92.64
High52 Date	2026-05-07
High52ch	-9.46%
Low	79
Low52	35.68
Low52 Date	2025-08-01
Low52ch	135.12%
Ma50ch	11.67%
Premarket Change Percent	1.81
Premarket Price	$83.71
Premarket Volume	252
Price vs 200-day SMA	52.67%
RSI	64.83
RSI Monthly	77.15
RSI Weekly	83.88
Sharpe ratio	2.35x
Sortino ratio	4.87
Total Return	3.56%
Tr YTD	54.33
Tr15y	183.57%
Tr1m	13.72%
Tr1w	0.7%
Tr3m	45.25%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	3
Analyst Count Top	2
Analyst Price Target Top	$107
Analyst Ratings	Strong Buy
Analyst Ratings Top	Strong Buy
Earnings EPS Estimate	$2.88
Earnings EPS Estimate Growth	49.22
Earnings Revenue Estimate	447,350,400x
Earnings Revenue Estimate Growth	13.89x
Operating Income	$681.3M
Operating Income Growth	111.4
Operating Income Growth Q	42.25
Operating Income Growth3 Y	35.91
Operating Income Growth5 Y	0.34
Operating margin	36.8
Price target	$91.67
Price Target Change	$9.29
Price Target Change Top	$26.97

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	20,970,311%
Float Percent	97.81%
Net Borrowing	142,844,000
Shares Insiders	2.14%
Shares Institutions	103.79%
Shares Out	21,440,412
Shares Qo Q	-2%
Shares Yo Y	-3.56%
Short Float	5.42%
Short Ratio	3.41
Short Shares	5.3

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	$146.7M
Average Volume	364,620.85x
Bv Per Share	48.13
CAPEX	$-24.1M
Ch10y	210
Ch15y	183.6
Ch1m	13.72
Ch1w	0.7
Ch1y	154.8
Ch20y	497.9
Ch3m	45.25
Ch3y	72.7
Ch5y	94.62
Ch6m	77.3
Change	2.02%
Change From Open	1.29
Close	82.22
Days Gap	0.72
Depreciation Amortization	28,274,000
Dollar Volume	38,184,105.2
Earnings Date	2026-05-06
Earnings Time	amc
EBIT	$681.3M
EBITDA	$709.6M
EPS	$12.85
F Score	5
FCF	$166.1M
FCF EV Yield	2.96x
FCF Per Share	$7.75
Financing CF	23,126,000
Fiscal Year End	December
Founded	1,998
Goodwill	529,487,000
Graham Number	117.95214
Graham Upside	40.62
Income Tax	$91.2M
Investing CF	-169,715,000
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-05-06
Last Report Date	2026-03-31
Last Split Type	Never
Last10k Filing Date	2026-02-25
Lynch Fair Value	$64.23
Lynch Upside	-23.42
Ma150	59.41
Ma150ch	41.18%
Ma20	82.28
Ma20ch	1.94%
Net CF	40,087,000
Next Earnings Date	2026-08-05
Open	82.81
Optionable	Yes
P FCF Ratio	10.83
P OCF Ratio	9.45
Position In Range	93.67
Post Close	83.88
Postmarket Change Percent	0.64
Postmarket Price	$84.42
Ppne	131,937,000
Pre Close	82.22
Price Date	2026-05-08
Price EBITDA	$2.53
Ptbv Ratio	3.56
Relative Volume	1.25x
Revenue	1,851,438,000x
SBC By Revenue	1.05x
Share Based Comp	19,420,000
Tax By Revenue	4.92x
Tax Rate	23.53%
Tr20y	497.86%
Tr6m	77.3%
Us State	California
Volume	455,223
Z Score	2.18

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

Does ECPG pay a dividend?

Capital-return profile for this ticker.

Performance

ECPG stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns ECPG?

Insider, institutional, and short-interest positioning.

Institutional ownership

+103.8%

Float: +97.8% of shares outstanding

Insider ownership

+2.1%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

ECPG momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

64.8

Neutral momentum band

Price vs 200-day MA

+52.7%

50/200-day relationship not available

Beta (5Y)

1.33

More volatile than the market

Sharpe ratio

2.35

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

ECPG vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	Réduire
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	Réduire
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	Réduire

Questions

About ECPG

Hub-level FAQ points readers to the deeper analysis pages.

What is the current ECPG stock rating?

Encore Capital Group, Inc. is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full ECPG analysis?

The full report lives at /stocks/ECPG/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for ECPG?

The latest report frames ECPG around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the ECPG page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.