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    E

    Encore Capital Group Inc (ECPG)

    Official site

    FINANCIAL SERVICES • CREDIT SERVICES • NASDAQ

    $102.60
    +1.74 (+1.73%)

    Market Cap: $2.14B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    69%(27/39)
    Avg Surprise
    -1.49%

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$3.35
    Range$3.20 - $3.69
    4 analysts
    EPS Revisions
    2
    0
    7d
    2
    1
    30d
    EPS Estimate DriftChange to current
    90d ago$3.05+9.9%
    60d ago$3.05+9.9%
    30d ago$3.18+5.4%
    7d ago$3.18+5.4%
    Current$3.35
    Revenue Consensus
    $467M
    Range$454M - $487M
    4 analysts
    Period ending 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
    Reported Aug 5
    		$2.81$3.07-8.47%Miss+11.5%
    Mar 26
    Reported May 6
    		$3.91$2.78+40.65%Beat+101.5%
    Dec 25
    Reported Feb 25
    		$3.48$2.17+60.43%Beat+181.7%
    Sep 25
    Reported Nov 5
    		$3.17$1.92+65.10%Beat+151.6%
    Jun 25
    Reported Aug 6
    		$2.52$1.21+108.26%Beat+81.3%
    Mar 25
    Reported May 7
    		$1.94$0.99+95.96%Beat+90.2%
    Dec 24
    Reported Feb 26
    		$-4.26$1.45-394.01%Miss-647.9%
    Sep 24
    Reported Nov 6
    		$1.26$1.42-11.27%Miss+75.0%
    Jun 24
    Reported Aug 7
    		$1.39$1.18+17.80%Beat+28.7%
    Mar 24
    Reported May 8
    		$1.02$0.76+34.21%Beat+12.1%
    Dec 23
    Reported Feb 21
    		$-0.57N/A-146.72%Miss+81.7%
    Sep 23
    Reported Nov 1
    		$0.72$1.13-36.28%Miss-41.0%
    Jun 23
    Reported Aug 2
    		$1.08$0.92+17.39%Beat-52.8%
    Mar 23
    Reported May 3
    		$0.91$1.02-10.78%Miss-85.8%
    Dec 22
    Reported Feb 22
    		$-3.11$1.47-311.56%Miss-222.9%
    Sep 22
    Reported Nov 2
    		$1.22$1.74-29.89%Miss-60.8%
    Jun 22
    Reported Aug 3
    		$2.29$2.00+14.50%Beat-30.8%
    Mar 22
    Reported May 4
    		$6.40$2.09+206.22%Beat+115.5%
    Dec 21
    Reported Feb 23
    		$2.53$2.15+17.67%Beat+94.6%
    Sep 21
    Reported Nov 3
    		$3.11$2.14+45.33%Beat+34.6%
    Jun 21
    Reported Aug 4
    		$3.31$2.08+59.13%Beat-23.7%
    Mar 21
    Reported May 5
    		$2.97$2.09+42.11%Beat+1663.2%
    Dec 20
    Reported Feb 24
    		$1.30$2.13-38.97%Miss-16.7%
    Sep 20
    Reported Nov 2
    		$2.31$2.17+6.45%Beat+40.9%
    Jun 20
    Reported Aug 5
    		$4.34$2.30+88.70%Beat+239.1%
    Mar 20
    Reported May 11
    		$-0.19N/A-120.21%Miss-113.0%
    Dec 19
    Reported Feb 26
    		$1.56$1.45+7.59%Beat+7.6%
    Sep 19
    Reported Nov 6
    		$1.64$1.39+17.99%Beat+37.8%
    Jun 19
    Reported Aug 7
    		$1.28$1.30-1.54%Miss-3.8%
    Mar 19
    Reported May 8
    		$1.46$1.20+21.67%Beat+49.0%
    Dec 18
    Reported Feb 27
    		$1.45$1.23+17.89%Beat+38.1%
    Sep 18
    Reported Nov 7
    		$1.19$1.18+0.85%Beat+3.5%
    Jun 18
    Reported Aug 8
    		$1.33$1.16+14.66%Beat+51.1%
    Mar 18
    Reported May 8
    		$0.98$1.02-3.92%Miss+3.2%
    Dec 17
    Reported Feb 21
    		$1.05$0.94+11.70%Beat+45.8%
    Sep 17
    Reported Nov 2
    		$1.15$0.91+26.37%Beat-
    Jun 17
    Reported Aug 3
    		$0.88$0.82+7.32%Beat-
    Mar 17
    Reported May 4
    		$0.95$0.93+2.15%Beat-
    Dec 16
    Reported Feb 23
    		$0.72$0.67+7.46%Beat-

    Key Metrics

    Valuation
    P/E Ratio7.67EV/EBITDA8.29x
    Price/FCF17.67xFCF Yield5.66%
    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
    Beta1.31Avg Volume279.01K
    52-Week High$105.9852-Week Low$40.42

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$100.20
    SMA 20$98.51
    SMA 50$98.89
    SMA 200$80.70
    EMA 10$100.59
    EMA 20$99.44
    EMA 50$97.49
    EMA 200$82.21

    MACD

    Line: 1.18Signal: 0.56Hist: 0.62

    ADX

    ADX: 12.2+DI: 24.1-DI: 15.3

    Aroon & PSAR

    Aroon Up96.0
    Aroon Down60.0
    PSAR$96.82

    Bollinger Bands

    Upper Band$104.28
    Lower Band$92.74
    %B Position1171%(Upper)
    Band Width0.85

    RSI (14-Day)

    Neutral
    57.9

    Momentum Oscillators

    Stoch %K78.1
    Stoch %D81.6
    Williams %R-25.7
    ROC (10d)8.8%
    Momentum8.30
    CCI (20d)111.6
    MFI (14d)54.6

    Volatility Measures

    ATR (14d)$3.35(3.3%)
    StdDev (20d)2.88
    Hist Vol34.6%(Moderate)

    Volume Flow

    VWAP$102.17
    OBV10.2M
    AD Line1.8M
    CMF (20d)-0.101

    Volume Metrics

    Avg Vol (20d)257.7K
    Vol Ratio1.2x
    VWMA (20d)$98.74

    Pivot Points

    R3$110.05
    R2$108.01
    R1$104.44
    Pivot Point$102.40
    S1$98.83
    S2$96.79
    S3$93.22

    Advanced Oscillators

    TSI10.78
    Ultimate Osc56.2
    KST6.14

    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

    Northland lifts target for Encore Capital stock to USD 124.00

    Northland Securities has increased its price target for Encore Capital (ECPG) from USD 120.00 to USD 124.00, maintaining an Outperform rating. The target is 20.86 percent above the current Nasdaq price of USD 102.60....

    ad-hoc-news.de•10/15/26•Bullish

    DIMENSIONAL FUND ADVISORS LP Adds Encore Capital Group Inc (ECPG Shares -- Stock Looks 38% Overvalued on GF Value

    DIMENSIONAL FUND ADVISORS LP recently added 59,764 shares of Encore Capital Group Inc (ECPG) to its portfolio, bringing its total holding to 1,107,340 shares. Despite this acquisition...

    GuruFocus•10/15/26•Somewhat-Bearish

    Is Encore Capital Group Inc (ECPG) Overvalued After 4.7% Rally?

    Encore Capital Group Inc (ECPG) recently rallied 4.7% but is considered overvalued by GuruFocus, trading at a 44.2% premium to its GF Value™ estimate of $73.24. The stock's P/E ratio is also significantly above its...

    GuruFocus•10/14/26•Bearish

    Moelis, Lazard, Sezzle, Affirm, and Encore Capital Group Stocks Trade Down, What You Need To Know

    Shares of several companies, including Moelis, Lazard, Sezzle, Affirm, and Encore Capital Group, experienced a downturn following the release of September's consumer price inflation data...

    The Globe and Mail•10/14/26•Somewhat-Bearish

    Moelis, Lazard, Sezzle, Affirm, and Encore Capital Group Stocks Trade Down, What You Need To Know

    Several stocks, including Moelis, Lazard, Sezzle, Affirm, and Encore Capital Group, experienced declines in the afternoon session due to accelerating September consumer price inflation and core inflation topping...

    FinancialContent•10/14/26•Somewhat-Bearish

    ECPG Valuation and Fair Value

    P/E
    7.7x
    Forward P/E
    5.5x
    EV/EBITDA
    8.3x
    P/FCF
    17.7x
    PEG
    0.2x
    P/B
    2.1x
    See GNG's fair value

    ECPG Profitability: Margins, ROIC and FCF

    Gross margin
    71.1%
    Operating margin
    38.0%
    Net margin
    15.9%
    ROIC
    10.5%
    ROE
    30.5%
    FCF margin
    7.7%
    FCF yield
    5.7%

    ECPG Competitors

    CompanyTicker
    WaFd, Inc.WAFD
    Enterprise Financial ServicesEFSC
    Northwest Bancshares IncNWBI
    Hilltop Holdings IncHTH
    OFG BancorpOFG
    Bladex Inc.BLX
    Federal Agricultural Mortgage CorporationAGM
    EZCORP IncEZPW

    Sector: Financial Services

    ECPG Analyst Ratings

    Consensus
    Buy
    Analysts
    4
    Strong Buy
    1
    Buy
    2
    Hold
    1
    Sell
    0
    Strong Sell
    0

    ECPG Bull Case vs Bear Case

    Bull case

    • ECPG grew quarterly revenue 11.3% year over year.

    Bear case

    • ECPG has a debt-to-equity ratio of 3.9x.

    ECPG Earnings: Beat Rate and Next Report

    Beat rate
    5 of 8 quarters (62.5%)
    Average surprise
    -5.4%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $3.35
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    2 up, 1 down

    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 7.67.

    What is ECPG's market cap?

    Encore Capital Group Inc (ECPG) has a market capitalization of $2.14B with a current stock price of $102.60.

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