Encore Capital Group, Inc.
ECPG
NASDAQ·Financial Services·Financial - Credit Services·Mkt cap $2.1B
$97.30
▲ +0.38%
P/E
7.22
Mkt Cap
$2.1B
52-Wk Range
$39.95–$104.98
52-Week Range
$39.95 - $104.98
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 117.0% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
3 reasons
- Established relationships with financial institutions and debt originators enabling consistent portfolio acquisition
- Proprietary collection technology and data analytics capabilities for efficient debt recovery
- Scale and operational efficiency in managing large portfolios of defaulted receivables across multiple markets
Bear Case
1 risk
- Average volatility.
Growth
Stable outlook
Expansion into international markets and emerging economies with growing consumer credit penetration
Value
Trading at 0.6x Mortgage Banking & Lending peers — a discount despite the growth profile.
Momentum
Hot
+21.2% over 3m
Quality
Excellent
High-growth business (44% revenue growth, 64% gross margin). Profitable with strong growth momentum.
Dividend
None
No dividend
Smart-money signal
Who's buying ECPG right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Nov 4, 2026
AUG 5, 2026
Reported EPS of $2.81 vs $2.67 consensus (+5.2% surprise). Revenue of $491.9M vs $455.1M expected (+8.1%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+5.2%
Revenue trend · last 8Q
—
-17%
+18%
+26%
+28%
+155%
+20%
+12%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$304.2M
$186.1M
$392.8M
$442.1M
$460.4M
$473.6M
$472.9M
$494.3M
Margins · last 8Q
Gross
81.8%
Operating
38.0%
Profit
12.9%
Wall Street consensus
3 analysts · 100% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
100%
Hold
0%
Sell
0%
Median Price Target
—
Latest: Citi · Jun 17, 2026
vs Industry
How ECPG stacks vs Financial - Credit Services
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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