Encore Capital Group, Inc. (NAS: ECPG) Stock Analysis & Fundamentals

ECPGEncore Capital Group, Inc.

NAS · US · Financial Services · Credit Services · encorecapital.com

100.15USD-1.10%Mkt Cap: 2.15B $P/E: 7.69Today

Encore Capital Group, Inc., a specialty finance company, provides debt recovery solutions and other related services for consumers across financial assets worldwide. The company purchases portfolios of defaulted consumer…

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Key Statistics

Company

Market Cap2.15B $

Enterprise Value6.08B $

Revenue (TTM)1.90B $

Gross Profit965.83M $

Net Income (TTM)256.83M $

Revenue/Share85.61 USD

Last Price100.15 USD

Fiscal Year EndDec 2025

MR QuarterJun 2026

Employees7.3K

CountryUS

SectorFinancial Services

IndustryCredit Services

ISIN—

Valuation

P/E (Trailing)7.69

P/E (Forward)7.35

PEG0.17

EV/EBITDA8.16

EV/Revenue3.20

P/S1.09

P/B1.93

EPS (TTM)12.75

EPS (Forward)13.36

52W Range

39.9593% of range104.98

52W High104.98 USD

52W Low39.95 USD

Profitability

Gross Margin54.60%

Oper. Margin38.00%

EBITDA Margin39.21%

Profit Margin14.52%

ROE26.29%

ROA4.81%

Growth

Revenue Growth11.30%

Earnings Growth12.90%

Cash Flow & Leverage

Operating CF153.20M $

CapEx (TTM)26.27M $

FCF Margin-8.26%

FCF Yield-7.31%

Net Debt4.00B $

Net Debt/EBITDA5.37

Balance Sheet

Debt/Equity4.10

Current Ratio11.38

Quick Ratio11.28

Book Value/Sh50.86 USD

Cash/Share8.625 USD

Dividends

Fwd Div Rate—

Trail. Div Rate0.0000 USD

Div. Yield—

5Y Avg Yield—

Payout Ratio0.00%

Ex-Div Date—

Pay Date—

Analyst Consensus

Rating1.8 (Buy)

Strong BuyBuyHoldSellStr. Sell

Target (Mean)115.67 USD

Upside (mean)+15.5%

Target Range112.00 USD – 120.00 USD

$112.00+15.5% to mean$120.00

# Analysts3

Ownership

Shares Out.21.21M

Float20.18M

Insiders3.90%

Institutions110.01%

Short Interest

Short Ratio2.9d

Short % Float5.99%

Short % Out.4.83%

Shares Short1.03M

Short (prev mo.)1.41M

Technical

SMA 5091.55 (+9.4%)

SMA 20071.43 (+40.2%)

Beta1.28

S&P 52W Chg18.16%

Avg Vol (30d)339.42K

Avg Vol (10d)370.74K

Technical Indicators

RSI (14)60.4

MACD3.2159

MACD Signal2.6538

MACD Hist.+0.5621

BB Upper105.28 USD

BB Middle95.74 USD

BB Lower86.20 USD

BB Width19.93%

ATR (14)3.938 USD

Vol Ratio (20d)0.69x