Encore Capital Group (ECPG) Stock Price

Encore Capital Group Price

NASDAQ·CLOSED
103.74USD+2.45 (+2.39 %)
Market closed

Over the last 19 years Encore Capital Group grew revenue by 10.7% annually, reaching 1.76 B USD. Earnings per share have grown at 13.3% per year over the last 19 years. For Encore Capital Group, the net margin of 14.6% is down versus 21.7% a few years ago. The consensus 12-month price target for Encore Capital Group is 71.40 USD, about 31.2% below where the stock trades today. Of 11 analysts, 9 rate the stock a buy — an overall Buy consensus. The stock trades about 156% above its 52-week low.

Encore Capital Group stock price

Volume
Details

Stock Price

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How to Read This Chart

This chart tracks the historical stock price of Encore Capital Group over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Encore Capital Group stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Encore Capital Group's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

Encore Capital Group Stock Price History
DateEncore Capital Group Price
8/14/2026103.74 USD
8/13/2026101.29 USD
8/12/202697.50 USD
8/11/202693.49 USD
8/10/202697.90 USD
8/7/2026100.20 USD
8/6/202697.88 USD
8/5/202693.00 USD
8/4/202695.81 USD
8/3/202696.28 USD
7/31/202694.08 USD
7/30/202694.09 USD
7/29/202696.23 USD
7/27/202693.01 USD
7/23/202685.63 USD
7/22/202688.21 USD
7/21/202689.20 USD
7/20/202688.67 USD
7/17/202691.33 USD
7/16/202692.32 USD
7/15/202689.85 USD
7/14/202689.59 USD
7/13/202691.29 USD
7/10/202692.58 USD
7/9/202691.86 USD
7/8/202689.44 USD
7/7/202690.17 USD
7/6/202690.00 USD
7/2/202690.61 USD
7/1/202693.79 USD
6/30/202693.29 USD
6/29/202690.53 USD
6/26/202690.62 USD
6/25/202687.38 USD
6/24/202687.07 USD
6/23/202685.90 USD
6/22/202683.11 USD
6/18/202683.00 USD
6/17/202682.89 USD
6/16/202684.48 USD
6/15/202683.67 USD
6/12/202681.38 USD
6/11/202677.94 USD
6/10/202682.41 USD
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6/8/202680.30 USD
6/5/202680.66 USD
6/4/202679.22 USD
6/3/202678.07 USD
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6/1/202679.13 USD
5/29/202680.48 USD
5/28/202680.67 USD
5/27/202681.79 USD
5/26/202681.11 USD
5/22/202680.36 USD
5/21/202679.97 USD
5/20/202680.40 USD
5/19/202680.52 USD
5/18/202680.74 USD
5/15/202681.62 USD
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5/13/202679.02 USD
5/12/202681.61 USD
5/11/202682.33 USD
5/8/202683.88 USD
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5/6/202684.24 USD
5/5/202684.41 USD
5/4/202683.19 USD
5/1/202683.30 USD
4/30/202682.77 USD
4/29/202681.93 USD
4/28/202684.07 USD
4/27/202684.30 USD
4/24/202683.73 USD
4/23/202684.10 USD
4/22/202683.41 USD
4/21/202681.75 USD
4/20/202682.20 USD
4/17/202680.75 USD
4/16/202678.70 USD
4/15/202678.69 USD
4/14/202679.71 USD
4/13/202678.28 USD
4/10/202675.43 USD
4/9/202676.36 USD
4/8/202674.78 USD
4/7/202673.76 USD
4/6/202672.53 USD
4/2/202671.14 USD
4/1/202670.87 USD
3/31/202670.12 USD
3/30/202668.64 USD
3/27/202668.87 USD
3/26/202670.70 USD
3/25/202670.85 USD
3/24/202670.98 USD
3/23/202670.16 USD
3/20/202668.02 USD
3/19/202669.14 USD
3/18/202668.44 USD
3/17/202667.89 USD
3/16/202666.46 USD
3/13/202666.71 USD
3/12/202666.95 USD
3/11/202667.22 USD
3/10/202667.82 USD
3/9/202668.19 USD
3/6/202670.68 USD
3/5/202672.68 USD
3/4/202673.75 USD
3/3/202671.86 USD
3/2/202670.92 USD
2/27/202668.29 USD
2/26/202663.94 USD
2/25/202659.17 USD
2/24/202658.02 USD
2/23/202656.58 USD
2/20/202658.41 USD
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2/10/202657.98 USD
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2/6/202657.75 USD
2/5/202656.54 USD
2/4/202656.13 USD
2/3/202655.26 USD
2/2/202655.86 USD
1/30/202655.20 USD
1/29/202655.56 USD
1/28/202653.91 USD
1/27/202655.33 USD
1/26/202655.31 USD
1/23/202654.98 USD
1/22/202656.22 USD
1/21/202656.09 USD
1/20/202655.15 USD
1/16/202656.22 USD
1/15/202656.10 USD
1/14/202655.13 USD
1/13/202656.04 USD
1/12/202655.40 USD
1/9/202655.97 USD
1/8/202656.32 USD
1/7/202656.67 USD
1/6/202656.05 USD
1/5/202656.70 USD
1/2/202655.91 USD
12/31/202554.35 USD
12/30/202555.19 USD
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12/26/202555.52 USD
12/24/202554.98 USD
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12/22/202555.24 USD
12/19/202554.52 USD
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12/16/202554.35 USD
12/15/202553.71 USD
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12/11/202555.88 USD
12/10/202555.33 USD
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12/8/202553.79 USD
12/5/202552.88 USD
12/4/202553.06 USD
12/3/202552.26 USD
12/2/202552.84 USD
12/1/202552.95 USD
11/28/202551.89 USD
11/26/202551.13 USD
11/25/202551.49 USD
11/24/202549.50 USD
11/21/202549.29 USD
11/20/202547.72 USD
11/19/202547.72 USD
11/18/202548.72 USD
11/17/202548.07 USD
11/14/202549.59 USD
11/13/202548.83 USD
11/12/202548.52 USD
11/11/202549.71 USD
11/10/202549.60 USD
11/7/202547.31 USD
11/6/202547.22 USD
11/5/202542.75 USD
11/4/202541.10 USD
11/3/202543.25 USD
10/31/202541.58 USD
10/30/202540.90 USD
10/29/202542.06 USD
10/28/202543.56 USD
10/27/202544.40 USD
10/24/202544.79 USD
10/23/202544.30 USD
10/22/202543.07 USD
10/21/202542.90 USD
10/20/202542.07 USD
10/17/202541.36 USD
10/16/202540.53 USD
10/15/202544.07 USD
10/14/202544.91 USD
10/13/202544.08 USD
10/10/202541.98 USD
10/9/202543.08 USD
10/8/202542.67 USD
10/7/202541.38 USD
10/6/202540.63 USD
10/3/202541.31 USD
10/2/202541.34 USD
10/1/202540.60 USD
9/30/202541.74 USD
9/29/202543.61 USD
9/26/202543.72 USD
9/25/202543.55 USD
9/24/202543.19 USD
9/23/202545.31 USD
9/22/202545.46 USD
9/19/202545.15 USD
9/18/202546.09 USD
9/17/202544.65 USD
9/16/202544.56 USD
9/15/202544.74 USD
9/12/202544.21 USD
9/11/202544.30 USD
9/10/202543.15 USD
9/9/202543.82 USD
9/8/202544.84 USD
9/5/202544.45 USD
9/4/202541.90 USD
9/3/202541.61 USD
9/2/202541.76 USD
8/29/202541.84 USD
8/28/202541.42 USD
8/27/202541.75 USD
8/26/202541.32 USD
8/25/202542.18 USD
8/22/202542.25 USD
8/21/202540.56 USD
8/20/202541.37 USD
8/19/202541.58 USD
8/18/202541.14 USD
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Encore Capital Group Revenue, EBIT, Net Income

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Revenue
EBIT
Net Income
Details
Date
Revenue
EBIT
Net Income
Jan 1, 2020
1.50 B USD
533.56 M USD
211.85 M USD
Jan 1, 2021
1.61 B USD
633.27 M USD
350.78 M USD
Jan 1, 2022
1.40 B USD
462.17 M USD
194.56 M USD
Jan 1, 2023
1.22 B USD
16.54 M USD
-206.49 M USD
Jan 1, 2024
1.32 B USD
157.33 M USD
-139.24 M USD
Jan 1, 2025
1.76 B USD
623.56 M USD
256.83 M USD
Jan 1, 2026 (e)
1.91 B USD
439.64 M USD
301.44 M USD
Jan 1, 2027 (e)
1.94 B USD
449.71 M USD
326.03 M USD

Encore Capital Group Income Statement, Balance Sheet, Cash Flow Statement

Last updated Aug 17, 2026, 12:13 AM
 
REVENUEB USD
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEB USD
EBITM USD
EBIT MARGIN%
NET INCOMEM USD
NET INCOME GROWTH%
SHARESM
201220132014201520162017201820192020202120222023202420252026e2027e
0.560.771.041.131.031.191.361.401.501.611.401.221.321.761.911.94
24.1139.0334.938.25-8.8615.3514.742.577.447.53-13.38-12.597.6933.898.401.36
48.7450.1954.1753.0649.6652.8254.2653.9755.5657.4355.0146.7345.8268.9668.9668.96
0.270.390.570.600.510.630.740.750.830.930.770.570.601.221.321.33
155.00198.00308.00282.00255.00324.00405.00446.00533.00633.00462.0016.00157.00623.00439.00449.00
27.8825.6129.5324.9824.7827.3029.7431.9335.5139.2233.051.3111.9335.3622.9823.19
69.0075.00103.0045.0076.0083.00115.00167.00211.00350.00194.00-206.00-139.00256.00301.00326.00
15.008.7037.33-56.3168.899.2138.5545.2226.3565.88-44.57-206.19-32.52-284.1717.588.31
23.4528.1427.2525.4925.9926.4131.2731.6131.8330.0423.5423.7423.8722.7822.7822.78
Details

Income Statement Key Figures

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Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales Encore Capital Group generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Encore Capital Group retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Encore Capital Group's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares Encore Capital Group has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Encore Capital Group's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

Encore Capital Group stock margins

The Encore Capital Group margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Encore Capital Group. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Encore Capital Group.

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Gross margin
EBIT margin
Profit margin
Details
Date
Gross margin
EBIT margin
Profit margin
Jan 1, 2020
55.57 %
35.54 %
14.11 %
Jan 1, 2021
57.48 %
39.22 %
21.73 %
Jan 1, 2022
55.04 %
33.05 %
13.91 %
Jan 1, 2023
46.72 %
1.35 %
-16.89 %
Jan 1, 2024
45.85 %
11.95 %
-10.58 %
Jan 1, 2025
68.98 %
35.38 %
14.57 %
Jan 1, 2026 (e)
68.98 %
23.01 %
15.78 %
Jan 1, 2027 (e)
68.98 %
23.22 %
16.84 %

Encore Capital Group Stock Revenue, EBIT, Earnings per Share

The Encore Capital Group earnings per share therefore indicates how much revenue Encore Capital Group has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

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  • Max

Revenue per Share
EBIT per share
Earnings per Share
Details
Date
Revenue per Share
EBIT per share
Earnings per Share
Jan 1, 2020
47.18 USD
16.76 USD
6.66 USD
Jan 1, 2021
53.74 USD
21.08 USD
11.68 USD
Jan 1, 2022
59.39 USD
19.63 USD
8.26 USD
Jan 1, 2023
51.50 USD
0.70 USD
-8.70 USD
Jan 1, 2024
55.14 USD
6.59 USD
-5.83 USD
Jan 1, 2025
77.38 USD
27.38 USD
11.28 USD
Jan 1, 2026 (e)
85.67 USD
19.30 USD
13.52 USD
Jan 1, 2027 (e)
86.83 USD
19.74 USD
14.62 USD

Encore Capital Group business model & stock analysis

Encore Capital Group Inc is a leading provider of solutions in the field of debt collection. The company was founded in 1999 and is headquartered in San Diego, California. Since its inception, the company has successfully acquired a variety of debt collection portfolios and manages them for the benefit of its clients. The business model of Encore Capital Group Inc specializes in the purchase of debt collection portfolios. These can consist of credit card arrears, unpaid installment loans, or other types of debt collection claims. Encore Capital is able to invest in such portfolios by either paying out the creditor of the portfolio or directly purchasing the portfolio. The goal is to successfully collect these claims with effective and fair methods. Encore Capital Group Inc offers a wide range of services tailored to the needs of businesses and individuals. These services include debt collection management, debt analysis, financing solutions, and consulting services. By implementing proven debt collection strategies and utilizing modern technologies, Encore Capital is able to achieve fast and successful results for its clients. The company operates in various sectors and therefore also offers a wide range of products. For example, Midland Credit Management is part of the Encore Capital Group portfolio. This company specializes in the purchase of credit card debt collection portfolios. Cabot Credit Management, which joined the Encore Capital Group portfolio through an acquisition in 2013, specializes in the purchase and management of non-performing loan portfolios in Europe. Another subsidiary of Encore Capital is Refin, a credit lending company in Brazil. A wide range of credit lending solutions is offered here for various needs, from short-term consumer credit to long-term housing financing. Encore Capital Group Inc sets industry standards and is committed to providing outstanding service to its clients. As a result, the company has experienced successful growth in the past. Debt collection is a very complex field that requires sensitivity, tact, and a high level of professionalism. Encore Capital Group Inc has made a name for itself in these areas and offers an unbeatable combination of experience, expertise, and technology. Overall, Encore Capital Group Inc is a company specializing in valuable and successful services in the field of debt collection and debt management. The company has become one of the leading providers of debt collection solutions in the global market and will continue to present innovative and effective solutions for its clients in the future.

Encore Capital Group SWOT Analysis

Strengths

Encore Capital Group Inc holds a prominent position in the debt buying and recovery industry, allowing them to capitalize on opportunities for debt acquisition and profit generation.

The company manages a diversified portfolio of debt assets, reducing exposure to specific sectors and improving stability in uncertain economic conditions.

Encore Capital Group Inc has a well-known and trusted brand, increasing customer confidence and attracting potential clients for debt resolution services.

Weaknesses

The operations of Encore Capital Group Inc are significantly influenced by changes in regulatory policies related to debt collection and consumer protection.

During economic downturns, individuals' ability to repay debt may be compromised, potentially impacting the company's revenue and profitability.

Opportunities

Encore Capital Group Inc can explore expansion opportunities in overseas markets to tap into new customer bases and diversify revenue streams.

As emerging economies witness rising consumer debt, there is an opportunity for Encore Capital Group Inc to expand its operations and offer debt resolution services in these markets.

Threats

The debt buying and recovery industry is highly competitive, and Encore Capital Group Inc faces the threat of losing market share to existing competitors or new entrants.

Non-compliance with debt collection regulations and potential legal challenges may negatively impact the company's reputation and financial performance.

Encore Capital Group Employees

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  • Max

Encore Capital Group Employees
Details
Date
Encore Capital Group Employees
Jan 1, 2018
- Employees
Jan 1, 2019
- Employees
Jan 1, 2020
- Employees
Jan 1, 2021
- Employees
Jan 1, 2022
- Employees
Jan 1, 2023
- Employees
Jan 1, 2024
- Employees
Jan 1, 2025
- Employees

Encore Capital Group Segments

Encore Capital Group Revenue by Region

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Domestic
United States
Europe
International
Other geographies
Details
Date
Domestic
United States
Europe
International
Other geographies
Jan 1, 2014
0.00 USD
757.85 M USD
0.00 USD
314.94 M USD
0.00 USD
Jan 1, 2015
741.01 M USD
0.00 USD
376.06 M USD
0.00 USD
44.51 M USD
Jan 1, 2016
669.64 M USD
0.00 USD
270.41 M USD
0.00 USD
89.21 M USD
Jan 1, 2017
0.00 USD
665.56 M USD
427.66 M USD
0.00 USD
93.82 M USD

Encore Capital Group Eulerpool Fair Value

Details

Fair Value Estimate

ⓘ

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

Encore Capital Group historical P/E ratio, EBIT multiple, and P/S ratio

Encore Capital Group annual returns

Details

Annual Return

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What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

Encore Capital Group shares outstanding

The number of shares of Encore Capital Group was 22.78 M in 2025. This indicates how many shares Encore Capital Group is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2020
31.83 M Stocks
Jan 1, 2021
30.04 M Stocks
Jan 1, 2022
23.54 M Stocks
Jan 1, 2023
23.74 M Stocks
Jan 1, 2024
23.87 M Stocks
Jan 1, 2025
22.78 M Stocks
Jan 1, 2026 (e)
22.78 M Stocks
Jan 1, 2027 (e)
22.78 M Stocks

Current Encore Capital Group forecasts and price targets in August 2026

Analyst Price Targets 2026
Δ MOM Price Target
16.67 %
Buy
81.82 % (9)
Hold
18.18 % (2)
Sell
0.00 % (0)
12M Price Target
71.40
Last Price
103.74
Currency
USD
12M Return Potential
-31.17 %
LTM Return
0 %

Encore Capital Group Analyst Rating Actions

DateFirmActionRatingReliability
6/17/2026
Citizens
Citizens
MaintainedMarket Outperform–
5/7/2026
Truist Securities
Truist Securities
MaintainedBuy–
5/7/2026
Citizens
Citizens
MaintainedMarket Outperform–
2/26/2026
Truist Securities
Truist Securities
MaintainedBuy–
2/26/2026
Citizens
Citizens
MaintainedMarket Outperform–
1/20/2026
Citizens
Citizens
MaintainedMarket Outperform–
11/6/2025
Janney Montgomery Scott
Janney Montgomery Scott
MaintainedBuy–
2/27/2025
Truist Securities
Truist Securities
MaintainedBuy–
12/23/2024
Northland Capital Markets
Northland Capital Markets
MaintainedOutperform–
11/7/2024
JMP Securities
JMP Securities
MaintainedMarket Outperform–

Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.

Encore Capital Group Earnings Calls

2025

Encore Capital Group Earnings Estimates & Surprises

DateEPS estimateEPS ActualRevenue EstimatePrice reactionQuarterly report
8/5/20262.72USD-464.20 MUSD-2026 Q2
5/6/20263.05USD-454.47 MUSD-2026 Q1
2/25/20262.14USD-430.63 MUSD-2025 Q4
5/1/20241.37USD-347.97 MUSD-2024 Q1
2/20/20241.24USD-334.63 MUSD-2023 Q4
8/8/20181.14USD-340.45 MUSD-2018 Q2

EESG©

Eulerpool ESG Scorecard© for the Encore Capital Group stock

57/100
27
Environment
66
Social
77
Governance
E

Environment

20
Scope 1 - Direct Emissions1,951
Scope 2 - Indirect emissions from purchased energy3,553
Scope 3 - Indirect emissions within the value chain—
Total CO₂ emissions5,504
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather—
Pesticides—
Palm Oil—
Tobacco
Genetically modified organisms
Climate concept—
Sustainable forestry—
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

20
Percentage of female employees49
Percentage of women in management—
Percentage of Asian employees—
Share of Asian management—
Percentage of Hispanic/Latino employees—
Hispano/Latino Management share—
Percentage of Black employees—
Black Management Share—
Percentage of white employees—
White Management Share—
Adult content
Alcohol
Weapons—
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept—
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

4
Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Encore Capital Group shareholder structure

% Name
17.45953%
BLACKROCK, INC.
BLACKROCK, INC.
7.82637%
UBS GROUP AG
UBS GROUP AG
5.83443%
STEPHENS INVESTMENT MANAGEMENT GROUP LLC
STEPHENS INVESTMENT MANAGEMENT GROUP LLC
5.57257%
VANGUARD PORTFOLIO MANAGEMENT LLC
VANGUARD PORTFOLIO MANAGEMENT LLC
4.51580%
DIMENSIONAL FUND ADVISORS LP
DIMENSIONAL FUND ADVISORS LP
4.19757%
VANGUARD CAPITAL MANAGEMENT LLC
VANGUARD CAPITAL MANAGEMENT LLC
...

Encore Capital Group Beneficial Ownership Filings (SEC 13D/G)

Free Float
97.7%
Float Shares
-
Shares Outstanding
-
StakeHolderFiling
21.80%
V. Prem Watsa
V. Prem Watsa
SEC ↗
19.95%
TRANSFORCE INC.
TRANSFORCE INC.
SEC ↗
17.10%
(1) BlackRock, Inc.
(1) BlackRock, Inc.
SEC ↗
15.40%
BlackRock, Inc.
BlackRock, Inc.
SEC ↗
10.81%
The Vanguard Group - 23-1945930
The Vanguard Group - 23-1945930
SEC ↗
8.72%
RE Advisers Corporation (52-1694000)
RE Advisers Corporation (52-1694000)
SEC ↗
8.40%
Broad Run Investment Management, LLC (46-1010523)
Broad Run Investment Management, LLC (46-1010523)
SEC ↗
7.20%
30-0447847
30-0447847
SEC ↗
7.11%
FMR LLC
FMR LLC
SEC ↗
6.12%
Abigail P. Johnson
Abigail P. Johnson
SEC ↗

Encore Capital Group Executives and Management Board

14 members · avg. age 63 · 21 % women

AM

Mr. Ashish Masih (59)

President, Chief Executive Officer, Director · since 2014

5.34 M USD

Management

JY

Mr. John Yung (60)

President - International and Cabot Credit Management

2.42 M USD
RB

Mr. Ryan Bell (46)

President - Midland Credit Management · since 2020

2.25 M USD
AA

Mr. Andrew Asch (51)

Senior Vice President, General Counsel, Government Affairs and Corporate Secretary

1.24 M USD
TH

Mr. Tomas Hernanz (46)

Chief Financial Officer, Executive Vice President, Treasurer

–
BT

Mr. Bruce Thomas

Vice President, Investor Relations · since 2019

–

Board of Directors

MM

Mr. Michael Monaco (77)

Non-Executive Independent Chairman of the Board

361,998.00 USD
WH

Ms. Wendy Hannam (65)

Independent Director

266,998.00 USD
RS

Mr. Richard Stovsky (67)

Independent Director

266,998.00 USD
AG

Mr. Ashwini Gupta (72)

Independent Director

264,998.00 USD
AK

Ms. Angela Knight (74)

Independent Director

264,998.00 USD
JH

Mr. Jeffrey Hilzinger (67)

Independent Director

251,998.00 USD

Encore Capital Group Supply Chain

Encore Capital Group Supply Chain

Correlation: how closely stock prices move together

Same directionNo relationOpposite
2 companies
#Nameβ 1YTrend
1
BlackRock
Supplier·Customer·Capital Markets·US
0.48
0.24
0.63
0.08
-0.47
0.39
-0.32
#Nameβ 1YTrend
1
IREIT Global
Supplier·Equity Real Estate Investment Trusts (REITs)·SG
-0.15
0.34
0.08
0.40
-0.06
0.16
—

Frequently asked questions about Encore Capital Group

Encore Capital Group Inc is a global specialty finance company that acquires and manages portfolios of consumer debt. Their business model focuses on purchasing charged-off consumer receivables, primarily from major banks and financial institutions. Through a combination of advanced analytics and expertise in debt management and recovery, Encore aims to identify and acquire portfolios with the potential for long-term profitability. The company utilizes technology-driven strategies to maximize recoveries and deliver strong financial results. Encore's dedication to compliance, ethical practices, and customer engagement sets them apart in the debt purchasing industry. With a strong track record and a commitment to sustainable growth, Encore Capital Group Inc has established itself as a leader in the debt management sector.

Encore Capital Group Inc is primarily active in the financial services industry. With its expertise in debt purchasing and recovery, the company operates in the credit management and asset management sectors. Encore Capital Group specializes in acquiring and managing portfolios of defaulted consumer receivables. Through its subsidiaries, the company works with companies in various industries, including banking, telecommunications, utility, retail, and healthcare. Additionally, Encore Capital Group strives to provide customized solutions to its clients while ensuring compliance with legal and regulatory standards.

The main competitors of Encore Capital Group Inc in the market include PRA Group, Portfolio Recovery Associates, Inc., and SquareTwo Financial Services.

Encore Capital Group Inc is a leading global specialty finance company that provides debt recovery solutions for consumers and creditors. Founded in 1999, Encore has grown to become one of the largest players in its industry. The company has a proven track record of acquiring and managing portfolios of defaulted consumer receivables, helping consumers to repay their debts in a fair and manageable way. Encore leverages advanced analytics and technology to tailor its solutions to individual customers, offering them a path to financial recovery. With a deep understanding of the market, Encore has established itself as a trusted partner for consumers and creditors alike.

Encore Capital Group Inc has achieved several significant milestones. The company successfully completed the acquisition of Asset Acceptance Capital Corp, expanding its market reach and customer base. Encore Capital Group Inc also reached a major milestone by surpassing $1 billion in annual cash collections, highlighting its strong debt recovery capabilities. Additionally, the company received recognition as one of Fortune's 100 Fastest-Growing Companies, demonstrating its sustained growth and financial performance. Encore Capital Group Inc continues to strive for excellence in the debt management industry, consistently building value for its shareholders and delivering quality services to its customers.

Encore Capital Group Inc primarily operates in the United States, as well as internationally in regions such as Europe, Latin America, and Asia. The company focuses on providing debt management and recovery solutions and has a significant presence in these markets. Encore Capital Group Inc's global reach enables them to serve a diverse range of consumers and extend their expertise in debt management to various regions worldwide.

Encore Capital Group Inc represents values of integrity, transparency, and commitment to customer success. Their corporate philosophy focuses on responsible debt management and providing tailored solutions to individual financial challenges. Encore Capital Group Inc believes in building trust and long-term relationships with their clients, striving to empower them to achieve financial stability. As an industry leader, they prioritize compliance, ethical practices, and strong governance. With a customer-centric approach, Encore Capital Group Inc aims to create positive financial experiences while helping individuals improve their creditworthiness and achieve their long-term financial goals.

Analysts currently set an average price target of 69.36 USD for the Encore Capital Group stock (median: 71.40 USD), implying -33.1 % versus the latest price. The consensus is based on 11 analyst ratings.

Encore Capital Group Analyst Price Targets 2026

11 analysts currently rate the Encore Capital Group stock: 9 recommend buying, 2 holding and 0 selling. For 2026, analysts expect Encore Capital Group to generate revenue of 1.91 B USD and earnings per share of 13.23 USD.

Encore Capital Group Analyst Price Targets 2026

Converted at the current exchange rate, the Encore Capital Group share trades at 89.71 EUR (103.74 USD).

The Encore Capital Group share (ECPG) is listed on 2 stock exchanges, including: NASDAQ (ECPG), Frankfurt (ECP.F).

Encore Capital Group Inc is a global company that specializes in the acquisition and management of consumer debt. The company operates in three main segments: America, Europe, and Asia-Pacific. Encore Capital Group operates leading collection agencies worldwide, such as Midland Credit Management (MCM) and Cabot Credit Management. Encore Capital Group purchases delinquent debts from banks, credit card companies, retailers, and other lenders. The company then manages the debts on behalf of its investors. Encore Capital Group generates profits by liquidating debt and selling payment plans and installment agreements to debtors. The America segment includes the collection and risk management business in the United States, Canada, and Latin America. Encore Capital Group has successfully purchased millions of unused debt accounts in the past and achieved returns for investors through adjusted payment plans. Currently, Encore Capital Group is also expanding its operations in Latin America. The Europe segment includes specialized debt collectors and collection agencies in the UK and Ireland. Encore Capital Group primarily operates through its subsidiary Cabot Credit Management, which has experienced significant growth since its acquisition in 2013 and has consistently generated high yields in recent years. The Asia-Pacific segment includes the acquisition and management of outstanding debts in Australia and Southeast Asia. In recent years, the company has expanded its presence in the region through the acquisition of JKP, one of the leading collection agencies in Australia. Encore Capital Group also offers products such as payment plans, installment agreements, and debt consolidation to enable debtors to manage and settle their debts. Through its subsidiary Propel Financial Services, Encore Capital Group also provides secured loans. The company utilizes advanced technologies to analyze behavioral and financial data in order to develop customized and intelligent payment plans and collection strategies. Encore Capital also employs artificial intelligence and machine learning to identify potential debtors and automate the collection process. Encore Capital Group operates its business under strict regulatory conditions to ensure that all collection practices are fair and responsible. The company also collaborates with consumer protection organizations to ensure that debtors are well-informed and supported. Overall, Encore Capital Group's business model is focused on the acquisition and management of debt accounts to provide investors with solid returns. The company utilizes advanced technologies to automate and streamline the collection process. Encore Capital Group is committed to acting responsibly and adhering to high ethical and legal standards.

The expected revenue of Encore Capital Group is 1.91 B USD. This figure is based on current financial data and reflects the company's business performance.

The expected profit of Encore Capital Group is 301.44 M USD. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of Encore Capital Group is currently 7.84. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Encore Capital Group stock.

The price-to-sales ratio (P/S) of Encore Capital Group is currently 1.24. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Encore Capital Group stock.

The Eulerpool Quality Score for Encore Capital Group is 4/10.

The ISIN of Encore Capital Group is US2925541029. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of Encore Capital Group is 924129. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of Encore Capital Group is ECPG. The ticker symbol is used to trade Encore Capital Group shares on the stock exchange.

Encore Capital Group paid dividends every year for the past 0 years.

Encore Capital Group is assigned to the 'Finance' sector.

The dividends of Encore Capital Group are distributed in USD.

All fundamentals and in-depth analysis of Encore Capital Group

Our stock analysis for Encore Capital Group stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Encore Capital Group. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.

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