E

    Encore Capital Group Inc (ECPG)

    Official site

    FINANCIAL SERVICES • CREDIT SERVICES • NASDAQ

    $97.01
    -1.93 (-1.95%)

    Market Cap: $2.10B

    Last updated: Sep 01, 2026 at 10:00 AM ET

    Earnings

    Performance (10Y)

    Beat Rate
    68%(27/40)
    Avg Surprise
    -3.67%

    Upcoming Estimates

    Sep 30, 2026
    EPS Consensus$3.35
    Range$3.20 - $3.69
    4 analysts
    EPS Revisions
    2
    0
    7d
    2
    0
    30d
    EPS Estimate Drift
    90d ago$3.05-9.0%
    60d ago$3.05-9.0%
    30d ago$3.18-5.1%
    7d ago$3.18-5.1%
    Current$3.35
    Revenue Consensus
    $467M
    Range$454M - $487M
    4 analysts
    Dec 31, 2026
    EPS Consensus$4.77
    Range$4.65 - $4.90
    4 analysts
    Revenue Consensus
    $542M
    Range$514M - $572M
    4 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$4.77---
    Sep 26EST
    		-$3.35---
    Jun 26
    		$2.81$3.07-8.47%Miss+11.5%
    Mar 26
    		$3.91$2.78+40.65%Beat+101.5%
    Dec 25
    		$3.48$2.17+60.43%Beat+181.7%
    Sep 25
    		$3.17$1.92+65.10%Beat+151.6%
    Jun 25
    		$2.52$1.21+108.26%Beat+81.3%
    Mar 25
    		$1.94$0.99+95.96%Beat+90.2%
    Dec 24
    		$-4.26$1.45-394.01%Miss-647.9%
    Sep 24
    		$1.26$1.42-11.27%Miss+75.0%
    Jun 24
    		$1.39$1.18+17.80%Beat+28.7%
    Mar 24
    		$1.02$0.76+34.21%Beat+12.1%
    Dec 23
    		$-0.57N/A-146.72%Miss+81.7%
    Sep 23
    		$0.72$1.13-36.28%Miss-41.0%
    Jun 23
    		$1.08$0.92+17.39%Beat-52.8%
    Mar 23
    		$0.91$1.02-10.78%Miss-85.8%
    Dec 22
    		$-3.11$1.47-311.56%Miss-222.9%
    Sep 22
    		$1.22$1.74-29.89%Miss-60.8%
    Jun 22
    		$2.29$2.00+14.50%Beat-30.8%
    Mar 22
    		$6.40$2.09+206.22%Beat+115.5%
    Dec 21
    		$2.53$2.15+17.67%Beat+94.6%
    Sep 21
    		$3.11$2.14+45.33%Beat+34.6%
    Jun 21
    		$3.31$2.08+59.13%Beat-23.7%
    Mar 21
    		$2.97$2.09+42.11%Beat+1663.2%
    Dec 20
    		$1.30$2.13-38.97%Miss-16.7%
    Sep 20
    		$2.31$2.17+6.45%Beat+40.9%
    Jun 20
    		$4.34$2.30+88.70%Beat+239.1%
    Mar 20
    		$-0.19N/A-120.21%Miss-113.0%
    Dec 19
    		$1.56$1.45+7.59%Beat+7.6%
    Sep 19
    		$1.64$1.39+17.99%Beat+37.8%
    Jun 19
    		$1.28$1.30-1.54%Miss-3.8%
    Mar 19
    		$1.46$1.20+21.67%Beat+49.0%
    Dec 18
    		$1.45$1.23+17.89%Beat+38.1%
    Sep 18
    		$1.19$1.18+0.85%Beat+3.5%
    Jun 18
    		$1.33$1.16+14.66%Beat+51.1%
    Mar 18
    		$0.98$1.02-3.92%Miss+3.2%
    Dec 17
    		$1.05$0.94+11.70%Beat+45.8%
    Sep 17
    		$1.15$0.91+26.37%Beat+721.4%
    Jun 17
    		$0.88$0.82+7.32%Beat-
    Mar 17
    		$0.95$0.93+2.15%Beat-
    Dec 16
    		$0.72$0.67+7.46%Beat-
    Sep 16
    		$0.14N/A-88.71%Miss-

    Key Metrics

    Valuation
    P/E Ratio7.26EV/EBITDA8.74x
    Price/FCF16.71xFCF Yield5.98%
    Profitability
    Profit Margin15.90%Operating Margin38.00%
    ROE30.50%ROIC10.54%
    Financial Health
    Debt/Equity3.87xInterest Coverage2.19x
    Current Ratio0.96xQuick Ratio0.96x
    Trading Statistics
    Beta1.28Avg Volume356.65K
    52-Week High$104.9852-Week Low$39.95

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$100.64
    SMA 20$99.37
    SMA 50$94.18
    SMA 200$73.35
    EMA 10$99.90
    EMA 20$98.84
    EMA 50$94.27
    EMA 200$76.35

    MACD

    Line: 1.87Signal: 2.53Hist: -0.65

    ADX

    ADX: 14.7+DI: 21.1-DI: 25.1

    Aroon & PSAR

    Aroon Up60.0
    Aroon DownN/A
    PSAR$103.74

    Bollinger Bands

    Upper Band$106.09
    Lower Band$92.65
    %B Position1352%(Upper)
    Band Width0.32

    RSI (14-Day)

    Neutral
    48.6

    Momentum Oscillators

    Stoch %K50.4
    Stoch %D61.6
    Williams %R-75.8
    ROC (10d)-6.4%
    Momentum-6.67
    CCI (20d)-51.8
    MFI (14d)60.3

    Volatility Measures

    ATR (14d)$3.75(3.9%)
    StdDev (20d)3.36
    Hist Vol46.5%(High)

    Volume Flow

    VWAP$97.67
    OBV2.3M
    AD Line395.1K
    CMF (20d)-0.175

    Volume Metrics

    Avg Vol (20d)358.2K
    Vol Ratio1.0x
    VWMA (20d)$99.40

    Pivot Points

    R3$107.39
    R2$105.57
    R1$102.25
    Pivot Point$100.43
    S1$97.11
    S2$95.29
    S3$91.97

    Advanced Oscillators

    TSI12.68
    Ultimate Osc42.5
    KST83.18

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$420.76M$475.41M$264.78M$460.35M$386.52M$371.31M$355.63M$354.40M$355.29M$340.80M$329.86M$326.69M
    Cost of Revenue$119.58M$114.54M$117.44M$117.12M$117.74M$105.93M$104.62M$107.50M$106.61M$104.18M$96.76M$95.07M
    Gross Profit$301.17M$360.87M$147.34M$343.24M$268.79M$265.38M$251.01M$246.89M$248.68M$236.61M$233.10M$231.62M
    Operating Expenses$114.27M$176.88M$-26,057,000$170.06M$118.05M$136.04M$385.20M$140.80M$146.84M$153.02M$450.30M$156.10M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$75.56M$74.46M$80.56M$76.28M$78.32M$75.27M$89.81M$70.61M$67.62M$66.61M$66.12M$63.52M
    Operating Income$186.90M$183.99M$173.39M$173.18M$150.73M$129.34M$-134,190,000$106.09M$101.84M$83.59M$-217,193,000$75.52M
    Interest Income$0$0$0$0$0$0$0$0$0$0$0$0
    Interest Expense$104.44M$73.05M$76.81M$74.24M$73.94M$70.53M$76.33M$66.91M$61.38M$55.77M$54.50M$50.56M
    Income Before Tax$82.85M$111.73M$97.82M$99.86M$78.02M$60.46M$-209,979,000$40.76M$42.51M$30.49M$-271,696,000$30.06M
    Income Tax Expense$18.85M$25.49M$21.16M$25.20M$19.30M$13.66M$15.33M$10.12M$10.33M$7.25M$-934,000$10.72M
    Net Income$64.00M$86.24M$76.66M$74.66M$58.72M$46.80M$-225,307,000$30.64M$32.18M$23.24M$-270,762,000$19.34M
    EBITDA$194.40M$191.64M$181.56M$181.28M$159.27M$138.33M$-124,682,000$115.83M$111.35M$94.11M$-208,226,000$91.82M
    EBIT$187.29M$184.78M$174.63M$174.11M$151.96M$130.99M$-133,649,000$107.67M$103.89M$86.26M$-217,195,000$80.62M
    * Some calculated fields are derived from available data when not provided by source

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    News

    Ieq Capital LLC Acquires New Position in Encore Capital Group Inc $ECPG

    Ieq Capital LLC has acquired a new position in Encore Capital Group Inc (NASDAQ:ECPG) during the second quarter, purchasing 59,694 shares valued at approximately $5,569,000. Other institutional investors have also adjusted their holdings in the company. Analysts generally have a "Buy" rating on Encore Capital Group, with an average target price of $89.75, and the company recently reported strong quarterly earnings topping consensus estimates.

    MarketBeat•8/24/26•
    Somewhat-Bullish

    94,244 Shares in Encore Capital Group Inc $ECPG Bought by Globeflex Capital L P

    Globeflex Capital L P has acquired 94,244 shares of Encore Capital Group Inc (NASDAQ:ECPG) during the second quarter, valued at approximately $8.79 million, making it their 18th largest position. Other institutional investors like BlackRock Inc., Heartland Advisors Inc., and Arrowstreet Capital Limited Partnership also made significant changes to their holdings in ECPG. The article also details ECPG's recent financial performance, insider transactions, and analyst ratings.

    MarketBeat•8/24/26•
    Bullish

    Heartland Advisors Inc. Takes Position in Encore Capital Group Inc $ECPG

    Heartland Advisors Inc. has acquired a significant new stake in Encore Capital Group Inc., purchasing 362,825 shares valued at approximately $33.85 million, making it their fourth-largest portfolio holding. The asset manager reported strong quarterly earnings, beating analyst estimates with an EPS of $2.81 and an 11.3% year-over-year revenue increase. Despite an insider sale of 2,000 shares, analysts maintain a "Buy" rating for ECPG, with the stock trading near its 52-week high.

    MarketBeat•8/22/26•
    Somewhat-Bullish

    Encore Capital Group Drops 6.4% Amid Sector-Wide Selling

    Encore Capital Group (ECPG) plunged 6.4% to $94.81 on Thursday due to a broad sector-wide selloff in credit services, rather than company-specific news. Several peer companies also experienced significant declines, indicating that investors were pulling back from credit-exposed names generally. The stock's future performance is expected to depend on broader sector sentiment and macroeconomic trends.

    AlphaStreet•8/21/26•
    Neutral

    Encore Capital adds Rob Beck to board of directors

    Encore Capital Group has expanded its board of directors from eight to nine members, appointing Robert (Rob) Beck as an independent director. Beck, with extensive experience in consumer finance and operations, will serve on the Audit and Risk Committees. This move is expected to enhance the board's expertise and support the company's strategic focus on maximizing shareholder value.

    The Globe and Mail•8/20/26•
    Bullish

    Frequently Asked Questions About ECPG

    Does ECPG pay dividends?
    Encore Capital Group Inc (ECPG) does not currently pay a regular dividend.
    What is ECPG's P/E ratio?
    Encore Capital Group Inc has a price-to-earnings (P/E) ratio of 7.26.
    What is ECPG's market cap?
    Encore Capital Group Inc (ECPG) has a market capitalization of $2.10B with a current stock price of $97.01.

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