Encore Capital Group Inc.

ECPG | NASDAQ

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$97.17

-$2.20 (-2.21%)

Sep 22, 2026, 12:57 PM ET · Market open

Overview Rating Statistics Financials Earnings Analysts Ownership Profile

Market Data

Market Cap $2.13B

Enterprise Value $6.13B

Beta 1.28

Average Volume 354.12K

Shares Outstanding (Diluted) 22.79M

Shares Change YoY -3.34%

Institutional Ownership N/A

Exchange NASDAQ

ISIN US2925541029

Price Performance

Price Change 1M -2.0%

Price Change 3M 15.7%

Price Change 6M 40.3%

Price Change YTD 77.7%

Price Change 1Y 118.6%

Price Change 3Y 117.4%

Price Change 5Y 108.6%

1M CAGR (ann.) -0.8%

1Y CAGR (ann.) 115.6%

5Y CAGR (ann.) 15.3%

All-Time CAGR 10.5%

Valuation

PE Ratio 7.52

Forward PE 6.25

PEG Ratio 0.00

Forward PEG 0.90

PS Ratio 1.12

Forward PS 1.10

PB Ratio 1.98

P/FCF Ratio 61.57

P/Adj. FCF Ratio 147.70

P/OCF Ratio 14.16

EV/Sales 3.23

EV/EBIT 8.98

EV/EBITDA 8.62

EV/FCF 177.06

Earnings Yield 13.3%

FCF Yield 1.6%

Adj. FCF Yield 0.7%

Financial Health

Net Debt $4B

Total Debt $4.18B

Cash & Short-Term Investments $182.93M

Total Assets $5.57B

Current Ratio 25.12

Quick Ratio 25.12

Debt / Equity Ratio 4.52

Debt / EBITDA 5.88

Debt / FCF 120.78

OCF / Debt 0.01

Interest Coverage 2.47

Altman Z-Score 2.33

Piotroski F-Score 7

Margins & Profitability

Gross Profit Margin 64.0%

Operating Profit Margin 37.7%

EBITDA Margin 37.4%

Net Profit Margin 15.9%

FCF Margin 1.8%

Adj. FCF Margin 0.8%

SBC / Revenue 1.1%

SBC Impact (per share) -58.3%

Returns

Return on Assets 5.4%

Return on Equity 29.8%

Return on Invested Capital 9.1%

Return on Capital Employed 13.3%

Return on Tangible Assets 6.0%

Historical Growth (CAGR)

Revenue CAGR 3Y 17.3%

Revenue CAGR 5Y 3.1%

Revenue CAGR 10Y 5.1%

EPS CAGR 3Y 3286.4%

EPS CAGR 5Y 8.2%

EPS CAGR 10Y 23.1%

FCF CAGR 3Y -37.2%

FCF CAGR 5Y -30.9%

FCF CAGR 10Y -8.9%

Analyst Forecasts

Analyst Rating Buy

Analyst Count 15

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Nov 3, 2026

EPS Estimate (next Q) $3.35

EPS Growth Est (next Q) 5.7%

Revenue Est (next Q) $466.8M

Revenue Growth Est (next Q) 1.4%

Fair Value Estimates

Graham Number $121.97

Graham Upside 22.7%

Lynch Fair Value $107.66

Lynch Upside 8.3%

Price Target $100

Price Target Upside 0.6%

Cash Flow

Operating Cash Flow $60.8M

Free Cash Flow $34.61M

Adj. Free Cash Flow $14.43M

FCF Per Share $6.03

OCF Per Share $7.02

OCF/S Ratio 8.0%

Income Statement

Revenue $1.9B

Gross Profit $1.22B

Operating Income $716.45M

EBITDA $710.56M

Net Income $301.56M

EPS (Diluted) $13.21

Revenue / Employee $258.33K

Profit / Employee $41.03K

Employees 7,350