Price
No data yet.
Social Signal Score
Analyst Ratings
15 analystsRevenue
$491.87M+174.15%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Ashish Masih
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- Employees
- 7,350
- Beta
- 1.28
- Country
- US
- Piotroski score
- 6 / 9 (Middling)
- Altman Z-score
- 2.32
Financials
Revenue
$491.87M+174.2%Net Income
$64.00MEBITDA
$163.87MFree Cash Flow
$-32.92M-210.7%EPS (diluted)
$2.81Shares Outstanding (diluted)
22.79M-11.6%Operating Expenses
$38.72MCash & Debt
$182.93MReturn of Capital
$26.94MRevenue by Segment (annual)
$4.95MQuote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $1.76B | $256.83M | $11.05 |
| 2024 | $1.32B | $-139.24M | $-5.83 |
| 2023 | $1.22B | $-206.49M | $-8.72 |
| 2022 | $1.40B | $194.56M | $8.06 |
| 2021 | $1.61B | $350.78M | $11.64 |
| 2020 | $1.50B | $211.85M | $6.74 |
| 2019 | $1.40B | $167.87M | $5.38 |
| 2018 | $1.36B | $115.89M | $4.09 |
| 2017 | $1.19B | $83.23M | $3.20 |
| 2016 | $1.03B | $76.57M | $2.98 |
| 2015 | $1.13B | $45.13M | $1.75 |
| 2014 | $1.04B | $103.73M | $4.01 |
| 2013 | $773.36M | $75.30M | $3.05 |
| 2012 | $556.78M | $69.48M | $2.80 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from ECPG's reported EPS growth of 11.1% a year over 13 years.
- EPS in 5 years
- $18.71
- Implied price
- $93.56
- Return from $95.25
- -0.4% a year
To earn 15.0% a year on these assumptions you'd need to buy at $46.51 — -51.2% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 1 | 3 | 5 | 7 | 9 |
|---|---|---|---|---|---|
| 1.1% | -34.3% | -18.1% | -9.3% | -3.0% | 2.0% |
| 6.1% | -31.0% | -14.1% | -4.8% | 1.8% | 7.0% |
| 11.1% | -27.8% | -10.0% | -0.4% | 6.6% | 12.1% |
| 16.1% | -24.5% | -6.0% | 4.1% | 11.4% | 17.1% |
| 21.1% | -21.3% | -1.9% | 8.6% | 16.2% | 22.2% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
70-6.67%Social Signal Score
Mentions (9)
- Newszacks.com·4d ago·Positive
Encore Capital Stock Soars 73.8% YTD: Is There Further Upside Left? ECPG jumps 73.8% in 2026, backed by strong U.S. collections, higher guidance and balance-sheet flexibility, but risks remain.
View source ↗ - Newsseekingalpha.com·9d ago·Neutral
…t Conditions Support Growth Encore Capital Group benefits from robust US portfolio conditions, enabling more efficient capital deployment and stronger profitability. ECPG's strategic capital shift to higher-yielding US debt portfolios has driven record recoveries, improved cash efficiency margin to 60.2%, and boosted ROIC to 13.7%. Despite a low 7.4x GAAP P/E and 29.3% ROE, ECPG trades at a discount to sector medians, reflecting market caution over high leverage and interest costs.
View source ↗ - Newsmarketbeat.com·14d ago·Neutral
Encore Capital Group Has Doubled—But Its Best Tailwind Won't Last Forever Encore Capital Group TodayECPGEncore Capital Group$99.37 -0.17 (-0.17%) As of 09/21/2026 04:00 PM Eastern52-Week Range$39.94▼$104.98P/E Ratio7.52Price Target$89.75Add to WatchlistEncore Capital Group NASDAQ: ECPG has built a business around a part of the economy most investors would rather not think about. It buys charged-off consumer debt from banks, including credit-card balances that have been written off as hopeless, a…
View source ↗ - Newszacks.com·31d ago·Neutral
Why Is Encore Capital Group (ECPG) Down 1% Since Last Earnings Report? Encore Capital Group (ECPG) reported earnings 30 days ago. What's next for the stock?
View source ↗ - Newsglobenewswire.com·47d ago·Neutral
Robert W. Beck Appointed to Encore Capital Group Board of Directors SAN DIEGO, Aug. 19, 2026 (GLOBE NEWSWIRE) -- Encore Capital Group, Inc. (NASDAQ: ECPG), an international specialty finance company, announced today the appointment of Robert (Rob) Beck to its board of directors, effective immediately. He will serve on the Board's Audit and Risk Committees.
View source ↗ - Newszacks.com·55d ago·Neutral
Can Encore Capital's Raised 2026 Outlook Drive More Earnings Growth? ECPG's raised 2026 earnings and collections outlook improves visibility, while refinancing savings support growth amid cost and leverage risks.
View source ↗ - Newszacks.com·55d ago·Positive
Is ECPG a Buy Now as Cheap Valuation Meets Rising Earnings Momentum? Encore Capital???s discounted valuation and rising earnings estimates support the upside case, while debt, legal costs and U.S. concentration keep risks elevated.
View source ↗ - Newszacks.com·55d ago·Neutral
ECPG Rises 16.3% in 3 Months Amid Record Collections and Higher EPS Encore Capital's 16.3% three-month rise is backed by record collections, higher earnings expectations and a peer valuation discount, despite cost and leverage risks.
View source ↗ - Newszacks.com·56d ago·Positive
All You Need to Know About Encore Capital Group (ECPG) Rating Upgrade to Strong Buy Encore Capital Group (ECPG) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.
View source ↗
Earnings
Wed, Nov 4(in 4 weeks)
Consensus estimate $3.35 per share
Typical surprise +53.2% (median, so one quarter with a near-zero estimate can't distort it)
- Wed, Aug 5$2.81 vs $2.67beat
- Wed, May 6$3.86 vs $3.26beat
- Wed, Feb 25$3.37 vs $2.20beat
- Wed, Nov 5$3.17 vs $1.92beat
- Wed, Aug 6$2.49 vs $1.44beat
- Wed, May 7$1.93 vs $1.24beat
Estimates and results for ECPG via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by ECPG officers and directors.
- Bought
- $2.1m
- Sold
- $2.5m
2 trades
18 trades
- Yung Johnsold
- Yung Johnsold
- Asch Andrew Ericsold
- Asch Andrew Ericsold
- Asch Andrew Ericsold
- Asch Andrew Ericsold
- Bell Ryan Bsold
- Bell Ryan Bsold
80 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
- Lamar Seeligson Smithhouse · TX21 · disclosed Jul 10, 2018 (36d later)Buy$1,001 - $15,000
Self-reported filings, amounts as brackets. Via Senate/House disclosures.