Encore Capital Group, Inc. (ECPG)

NASDAQ: ECPG · USD

$102

+2.30 (+2.3%)· Recorded snapshot

Market cap	2.2B
Revenue (ttm)	1.9B
Net income (ttm)	301.6M
EPS (ttm)	$13.2
Shares out	21.2M
P/E (trailing)	7.7x
P/E (forward)	7.3x
Volume	122,300
Beta	1.31

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 1.9B
Net income (ttm): 301.6M
EPS (ttm): $13.2
P/E (trailing): 7.7x
P/E (forward): 7.3x
Market cap: 2.2B

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	적극 매수
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	적극 매수
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	보유

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E7.3

P25 8.7P50 10.4P75 12.8

Trailing P/E7.7

P25 10.7P50 13.5P75 31.8

ROE30.5

P25 4.9P50 11P75 15.4

ROIC11.1

P25 -0.7P50 6.7P75 12.6

Benchmarks · 1M

All ECPG indicators

Market & fundamental data

Available fields

268

Groups with data

Currency

USD

Showing 268 of 268 available metrics for this ticker.

Profile and market data

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

Metric	Value
Amount currency	USD
CIK code	0001084961
Company name	Encore Capital Group, Inc.
Country	United States
Country code	US
CUSIP number	292554102
Earnings date	2026-11-04
Earnings time	amc
Employees	7,350
Employees change	-50
Employees growth	-0.68%
Enterprise value	$6.2B
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1998
In index	RUSSELL2000
Industry	Credit Services
IPO date	1999-06-30
Is primary listing	Yes
Is SPAC	No
ISIN number	US2925541029
Last 10-K release date	2026-02-25
Last earnings date	2026-08-05
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$2.2B
Market cap category	Mid-Cap
Next earnings date	2026-11-04
Options	Yes
Price	$101.76
Price currency	USD
Sector	Financials
SIC code	6153
Stock price date	2026-10-28
Symbol	ECPG
U.S. state	California
Website	https://www.encorecapital.com

Valuation

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

Metric	Value
Adjusted P/E ratio	7x
Average P/E ratio (10Y)	19.14x
Earnings yield	12.97%
EV/Earnings	20.38x
EV/EBIT	8.57x
EV/EBITDA	8.24x
EV/FCF	49.11x
EV/Sales	3.23x
FCF / EV yield	2.04%
FCF yield	5.84%
Forward EV/Sales	3.23x
Forward P/E	7.26x
Forward P/S	1.13x
Graham number	122.8768
Graham upside	21.61%
Industry forward P/E	19.82x
Industry P/E	22.96x
Lynch fair value	$65.97
Lynch upside	-34.71%
P/(FCF - SBC) ratio	20.42x
P/(OCF - SBC) ratio	16.34x
P/B ratio	1.96x
P/E ratio	7.71x
P/FCF ratio	17.12x
P/OCF ratio	14.16x
P/S ratio	1.13x
Price / tangible book value	3.9x
Price/EBITDA ratio	2.87x
Sector forward P/E	13.63x
Sector P/E	15.65x

Profitability

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

Metric	Value
EBIT margin	37.74%
EBITDA margin	39.21%
Effective tax rate	23.12%
FCF margin	6.58%
Gross margin	100%
Operating margin	37.74%
Pretax margin	20.63%
Profit margin	15.86%
Profit per employee	$41,028
Profitable quarters	6
Profitable years	1
Revenue per employee	$258,665
ROA	8.34%
ROA (5Y)	5.98%
ROCE	13.96%
ROE	30.54%
ROE (5Y)	7.85%
ROIC	11.11%
ROIC (5Y)	8.53%
SBC / revenue	1.06%
Tax / revenue	4.77%

Growth

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

Metric	Value
EPS growth (Q)	12.85%
EPS growth (QoQ)	-27.2%
EPS growth 10Y	22.97%
EPS growth 3Y	360.08%
EPS growth 5Y	8.13%
EPS growth quarters	10
EPS growth years	2
FCF growth	30.08%
FCF growth 3Y	-5.97%
FCF growth 5Y	-10.39%
Gross profit growth	29.55%
Gross profit growth (Q)	11.25%
Gross profit growth 3Y	17.32%
Gross profit growth 5Y	3.11%
Net income growth (Q)	8.99%
Net income growth (QoQ)	-25.79%
Net income growth 3Y	350.1%
Net income growth 5Y	1.27%
Net income growth quarters	10
Net income growth years	2
OCF growth	21.77%
OCF growth 10Y	2.69%
OCF growth 3Y	-4.69%
OCF growth 5Y	-9.7%
Operating income growth	93.32%
Operating income growth (Q)	24%
Operating income growth 3Y	43.96%
Operating income growth 5Y	2.82%
Revenue growth	29.55%
Revenue growth (Q)	11.25%
Revenue growth (QoQ)	3.46%
Revenue growth 10Y	5.17%
Revenue growth 3Y	17.32%
Revenue growth 5Y	3.11%
Revenue growth quarters	6
Revenue growth years	2

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-26.2M
Depreciation and amortization	$28.1M
EBIT	$717.5M
EBITDA	$745.5M
EPS	$13.19
FCF per share	$5.90
Financing cash flow	$64.5M
Free cash flow	$125.1M
Free cash flow minus SBC	$105M
Gross profit	$1.9B
Income taxes	$90.7M
Investing cash flow	$-203.6M
Net borrowing	$230.9M
Net cash flow	$10M
Net income	$301.6M
Operating cash flow minus SBC	$131.2M
Operating income	$717.5M
Revenue	$1.9B
Stock-based compensation	$20.2M

Financial strength

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

Metric	Value
Altman Z-Score	2.2
Book value per share	$50.86
Debt / EBITDA	5.5
Debt / equity	3.88
Debt / FCF	33.45
Goodwill	$528.7M
Interest coverage	2.42
Long-term assets	$704M
Long-term liabilities	$4.1B
Net cash (debt)	$-4B
Net cash / market cap	-186.8%
Net debt / EBITDA	5.37
Net debt / equity	3.71
Net debt / FCF	31.99
Piotroski F-Score	5
Property, plant and equipment	$130.9M
Shareholders' equity	$1.1B
Tangible book value	$550M
Tangible book value per share	$25.93
Total assets	$5.6B
Total cash	$182.9M
Total debt	$4.2B
Total liabilities	$4.5B
WACC	7.47%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.35
Current assets	$4.9B
Current liabilities	$427.3M
Current ratio	11.38
Net working capital	$4.5B
Quick ratio	11.28
Working capital	$4.4B
Working capital turnover	0.44

Dividends and buybacks

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

Metric	Value
Buyback yield / dilution	4.01%
Dividend yield	0%
Shareholder yield	4.01%

Performance and technicals

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

Metric	Value
10Y price change	411.59%
10Y return CAGR	17.73%
10Y total return	411.59%
150-day SMA	$89.79
15Y price change	268.6%
15Y return CAGR	9.09%
15Y total return	268.6%
1D price change	2.31%
1M price change	3.19%
1M total return	3.19%
1W price change	-1.56%
1W total return	-1.56%
1Y price change	128.72%
1Y return CAGR	128.85%
1Y total return	128.72%
20-day SMA	$100.24
200-day SMA	$82.73
20Y price change	627.96%
20Y return CAGR	10.44%
20Y total return	627.96%
3M price change	7.52%
3M total return	7.52%
3Y price change	157.22%
3Y return CAGR	37.01%
3Y total return	157.22%
50-day SMA	$99.15
50-day SMA vs 200-day SMA	50over200
52-week high	$105.98
52-week high date	2026-10-14
52-week low	$40.52
52-week low date	2025-10-31
5Y price change	91.1%
5Y return CAGR	13.83%
5Y total return	91.1%
6M price change	20.46%
6M total return	20.46%
All-time high	$105.98
All-time high date	2026-10-14
All-time low	$0.13
All-time low date	2000-12-14
Average true range (ATR)	$3.28
Average volume	201.1K
Beta (1Y)	0.39
Beta (2Y)	0.83
Beta (5Y)	1.31
Change from 52-week high	-3.98%
Change from 52-week low	151.14%
Change from all-time high	-4.18%
Change from all-time low	81,140%
Change from open	1.17%
Day's gap	1.13%
Dollar volume	$12.4M
High price	$102.00
Low price	$100.47
Monthly RSI	78.81
Open price	$100.58
Position in 52-week range	84.31%
Premarket change	0.53%
Premarket close	$99.46
Premarket price	$99.99
Previous close	$99.46
Price vs 150-day SMA	13.1%
Price vs 20-day SMA	1.31%
Price vs 200-day SMA	22.75%
Price vs 50-day SMA	2.42%
Relative volume	0.61
RSI	53.63
Sharpe ratio	2.44
Sharpe ratio (3Y)	0.81
Sharpe ratio (5Y)	0.44
Sortino ratio	4.37
Sortino ratio (3Y)	1.4
Sortino ratio (5Y)	0.8
Volume	122.3K
Weekly RSI	66.27
YTD price change	86.85%
YTD total return	86.85%

Ownership and float

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

Metric	Value
Float	20.6M
Float percentage	96.99%
Shares change (QoQ)	2.11%
Shares change (YoY)	-4.01%
Shares held by insiders	2.3%
Shares held by institutions	107.88%
Shares outstanding	21.2M
Short % of float	4.57%
Short % of shares	4.43%
Short ratio	2.9 days

Deeper analysis on ECPG

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this ECPG report

Is a complete ECPG research report available?

No complete published report is available for Encore Capital Group, Inc. (ECPG) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Encore Capital Group, Inc. (ECPG)

Price

Financial snapshot

Fair-value bridge

Latest news · ECPG

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All ECPG indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on ECPG

Frequently asked questions