Encore Capital Group Inc (ECPG)
Encore Capital Group, Inc., a specialty finance company, provides debt recovery solutions and other related services for consumers across financial assets worldwide. The company purchases portfolios of defaulted consumer receivables at discounts to face value, as well as manages them by working with individuals as they repay their obligations and works toward financial recovery. It is also involved in the provision of debt servicing, such as early stage collection, business process outsourcing, and contingent collection services. In addition, the company engages in debt servicing and other portfolio management services to credit originator for non-performing loans. Further, it offers credit management services. Encore Capital Group, Inc. was incorporated in 1999 and is headquartered in San Diego, California.
- Symbol
- ECPG
- Exchange
- Nasdaq
- Sector
- Financial Services
- Industry
- Credit Services
- Market cap
- $2.00B
- 52 week range
- 39.95 - 104.98
Valuation
- Share price
- $94.47 (close of 2026-09-23)
- P/E (TTM)
- 6.98x
- Price to book
- 1.86x
- Price to free cash flow
- 16.01x
- Enterprise value
- $6.00B
- Book value per share
- $50.86
Price performance
| Period | Change |
|---|
| 1 day | -4.93% |
| 5 days | -4.38% |
| 1 month | -6.66% |
| 3 months | +9.98% |
| 6 months | +34.65% |
| Year to date | +73.82% |
| 1 year | +108.50% |
| 3 years | +106.72% |
| 5 years | +96.11% |
| 10 years | +341.24% |
| All time | +911.46% |
Profitability and growth
- Return on equity
- 26.29%
- Return on invested capital
- 11.35%
- Return on assets
- 4.81%
- Net margin
- 290.58%
- EBITDA margin
- 741.56%
- Revenue growth
- 4.25%
- Net income growth
- 284.45%
- Free cash flow growth
- -0.18%
Cash flow and balance sheet
- Free cash flow yield (TTM)
- 6.25%
- Net debt to EBITDA
- 5.67x
Latest reported year
- Period end
- 2025-12-31
- Fiscal year
- 2025
- Revenue
- $88.39M
- EBITDA
- $655.45M
- Net income
- $256.83M
- Earnings per share
- $11.05
- Shares outstanding
- 23.23M
Income statement by year
| Period end | Revenue | Net income | EPS |
|---|
| 2025-12-31 | $88.39M | $256.83M | $11.05 |
| 2024-12-31 | $84.78M | $-139.24M | $-5.83 |
| 2023-12-31 | $83.14M | $-206.49M | $-8.72 |
| 2022-12-31 | $94.92M | $194.56M | $8.06 |
| 2021-12-31 | $120.78M | $350.78M | $11.64 |
| 2020-12-31 | $115.12M | $211.85M | $6.74 |
| 2019-12-31 | $126.53M | $167.87M | $5.38 |
| 2018-12-31 | $148.04M | $115.89M | $4.09 |
| 2017-12-31 | $90.09M | $83.23M | $3.20 |
| 2016-12-31 | $82.64M | $76.57M | $2.98 |
Margins and returns by year
| Period end | Net margin | Return on equity | Return on capital |
|---|
| 2025-12-31 | 290.58% | 26.29% | 11.35% |
| 2024-12-31 | -164.24% | -18.15% | 2.70% |
| 2023-12-31 | -248.38% | -22.05% | 0.20% |
| 2022-12-31 | 204.97% | 16.49% | 8.79% |
| 2021-12-31 | 290.44% | 29.60% | 50.41% |
| 2020-12-31 | 184.03% | 17.36% | 41.00% |
| 2019-12-31 | 132.67% | 16.37% | 44.28% |
| 2018-12-31 | 78.28% | 14.14% | 54.14% |
| 2017-12-31 | 92.39% | 14.55% | 75.74% |
| 2016-12-31 | 92.65% | 13.88% | 50.57% |
Cash and debt by year
| Period end | Cash |
|---|
| 2025-12-31 | $156.78M |
| 2024-12-31 | $199.87M |
| 2023-12-31 | $158.36M |
| 2022-12-31 | $143.91M |
| 2021-12-31 | $189.65M |
| 2020-12-31 | $189.18M |
| 2019-12-31 | $192.34M |
| 2018-12-31 | $157.42M |
| 2017-12-31 | $212.14M |
| 2016-12-31 | $149.76M |
Free cash flow by year
| Period end | Free cash flow | Stock-based compensation |
|---|
| 2025-12-31 | $126.93M | $18.27M |
| 2024-12-31 | $127.16M | $14.01M |
| 2023-12-31 | $128.18M | $13.85M |
| 2022-12-31 | $173.46M | $15.40M |
| 2021-12-31 | $269.68M | $18.33M |
| 2020-12-31 | $278.26M | $16.56M |
| 2019-12-31 | $205.13M | $12.56M |
| 2018-12-31 | $119.32M | $12.98M |
| 2017-12-31 | $95.69M | $10.40M |
| 2016-12-31 | $98.66M | $12.63M |
Investor relations
Next earnings report
- Next confirmed report
- 2026-11-04
- Consensus EPS estimate
- $3.45
Past earnings dates
| Reported | Fiscal period | EPS estimate |
|---|
| 2026-08-05 | Jun/2026 | $3.07 |
| 2026-05-06 | - | - |
| 2026-02-25 | - | - |
| 2025-11-05 | - | - |
| 2025-08-06 | - | - |
| 2025-05-07 | - | - |
| 2025-02-26 | - | - |
| 2025-02-19 | - | - |
Filings and sources
- Company website
- encorecapital.com
- SEC filings
- 10-K, 10-Q and 8-K on EDGAR
- Earnings calendar
- All upcoming reports
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