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.

Ticker: ECPG
Exchange: Nasdaq
Sector: Financial Services
Industry: Credit Services
Market cap: $2.39B
52-week range: $46.80 - $126.74

Valuation

Share price: $114.14 (close of Nov 6, 2026)
P/E (TTM): 7.09x
Price to book: 2.22x
Price to free cash flow: 15.78x
Enterprise value: $6.47B
Book value per share: $51.51

Price performance

Period	Change
1 day	-9.53%
5 days	+14.16%
1 month	+15.07%
3 months	+16.61%
6 months	+35.49%
Year to date	+110.01%
1 year	+141.72%
3 years	+159.17%
5 years	+91.19%
10 years	+482.35%
All time	+1,121.57%

Short interest

As of: Oct 15, 2026
Short % of float: 5.50%
Shares short: 940.49K
Days to cover: 4.39
Change since prior report: -11.14%
Source: FINRA consolidated short interest

Profitability and growth

Return on equity: 26.29%
Return on assets: 4.81%
Net margin: 14.52%
Revenue growth: 34.37%
Free cash flow growth: -0.18%

Cash flow and balance sheet

Free cash flow yield (TTM): 6.34%
Net debt to EBITDA: 5.33x

Latest reported year

Period end: Dec 31, 2025
Fiscal year: 2025
Revenue: $1.77B
Net income: $256.83M
Earnings per share: $11.05
Interest expense: $293.91M
Shares outstanding: 23.23M

Income statement by year

Period end	Revenue	Net income	EPS
2025-12-31	$1.77B	$256.83M	$11.05
2024-12-31	$1.32B	-$139.24M	-$5.83
2023-12-31	$1.22B	-$206.49M	-$8.72
2022-12-31	$1.40B	$194.56M	$8.06
2021-12-31	$1.61B	$350.78M	$11.64
2020-12-31	$1.50B	$211.85M	$6.74
2019-12-31	$1.41B	$167.87M	$5.38
2018-12-31	$1.32B	$115.89M	$4.09
2017-12-31	$1.15B	$83.23M	$3.20
2016-12-31	$1.11B	$76.57M	$2.98

Margins and returns by year

Period end	Net margin	Return on equity
2025-12-31	14.52%	26.29%
2024-12-31	-10.58%	-18.15%
2023-12-31	-16.89%	-22.05%
2022-12-31	13.91%	16.49%
2021-12-31	21.73%	29.60%
2020-12-31	14.11%	17.36%
2019-12-31	11.94%	16.37%
2018-12-31	8.78%	14.14%
2017-12-31	7.26%	14.55%
2016-12-31	6.88%	13.88%

Cash and debt by year

Period end	Cash	Debt
2025-12-31	$156.78M	$4.03B
2024-12-31	$199.87M	$3.71B
2023-12-31	$158.36M	$3.36B
2022-12-31	$143.91M	$2.94B
2021-12-31	$189.65M	$3.06B
2020-12-31	$189.18M	$3.37B
2019-12-31	$192.34M	$3.59B
2018-12-31	$157.42M	$3.58B
2017-12-31	$212.14M	$3.53B
2016-12-31	$149.76M	$2.86B

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

Past earnings dates

Reported	Fiscal period	EPS estimate
2026-11-04	Sep 2026	$3.45
2026-08-05	Jun 2026	$3.07
2026-05-06	Mar 2026	$3.26
2026-02-25	Dec 2025	$2.20
2025-11-05	Sep 2025	$1.92
2025-08-06	Jun 2025	$1.44
2025-05-07	Mar 2025	$1.24
2025-02-26	Dec 2024	$1.55

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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