NASDAQ · Financial - Mortgages

Encore Capital Group Inc (ECPG) Stock

$100.06 +0.80% NASDAQ: ECPG Financial Services

Valuation

MetricValue
Price$100.06
Market Cap$2.15B
P/E Ratio7.06
P/B Ratio1.92
P/S Ratio1.08
EPS (TTM)$10.91
52-Week High$104.98
52-Week Low$39.95
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE29.83%
ROA5.42%
ROCE13.33%
Gross Margin35.39%
Operating Margin35.39%
Net Margin15.88%
Debt/Equity4.52
Current Ratio0.00

Annual Financials (USD)

Metric20212022202320242025
Revenue$1.6B$1.4B$1.2B$1.3B$1.8B
Operating Profit$633.0M$462.0M$17.0M$157.0M$624.0M
Net Profit$351.0M$195.0M$-206.0M$-139.0M$257.0M
EPS$11.26$7.46$-8.72$-5.83$10.91
Op Margin39.2%33.0%1.4%11.9%35.4%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$4.6B$4.5B$4.6B$4.8B$5.3B
Total Liabilities$3.4B$3.3B$3.7B$4.0B$4.4B
Cash$190.0M$144.0M$158.0M$200.0M$157.0M
Borrowings$3.0B$2.9B$3.3B$3.7B$4.1B

Latest News

Lazard, Corpay, and Encore Capital Group Shares Plummet, What You Need To Know StockStory · Jul 8, 2026 Encore Capital Group to Announce Second Quarter 2026 Financial Results on August 5 GlobeNewswire · Jul 6, 2026 Encore Capital Group (ECPG) Stock Looks Cheap On Earnings Yet Pricey On Broader Value Simply Wall St. · Jul 4, 2026 1 Financials Stock with Impressive Fundamentals and 2 We Find Risky StockStory · Jul 3, 2026 2 Small-Cap Stocks with Exciting Potential and 1 We Ignore StockStory · Jul 1, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$303.0M$211.0M$153.0M$156.0M$153.0M
Investing Cash Flow$307.0M$-207.0M$-454.0M$-470.0M$-269.0M
Financing Cash Flow$-403.0M$-111.0M$-7.0M$-56.0M$-95.0M
Net Cash Flow$0$-46.0M$14.0M$42.0M$-43.0M
Free Cash Flow$270.0M$134.0M$101.0M$127.0M$127.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.00
EV / EBITDA9.49
FCF Yield6.32%
Quick Ratio25.12
Interest Coverage2.47
Return 1Y111.93%
Return 3Y56.95%
Return 5Y84.06%

Ownership

Insiders Held3.85%
Institutions Held110.19%
Institutions Float Held114.61%
Institutional HolderSharesReport Date
Blackrock Inc.3,893,4752026-03-31
Stephens Investment Management Group LLC1,301,0782026-03-31
Vanguard Portfolio Management LLC1,242,6822026-03-31
Dimensional Fund Advisors LP1,007,0232026-03-31
Vanguard Capital Management LLC936,0582026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
FOAFinance of America Companies Inc. $13.05 +0.62% -37.50 $116.62M 0.00%
JCAPJefferson Capital, Inc. $19.95 -0.35% 7.24 $1.23B 4.99%
PRAAPRA Group, Inc. $20.32 +0.20% -2.81 $775.02M 0.00%
WRLDWorld Acceptance Corporation $180.20 +2.13% 20.46 $839.81M 0.00%

About Encore Capital Group Inc

Encore Capital Group Inc is led by CEO Ashish Masih, employs 7,350 people, headquartered in US, publicly traded since 1999.

Encore Capital Group Inc (ECPG) stock trades at $100.06 with a market capitalization of $2.15B. The stock is valued at a price-to-earnings (P/E) ratio of 7.06, price-to-book of 1.92, price-to-sales of 1.08. Over the past 52 weeks the stock has ranged between $39.95 and $104.98, and currently trades 4.7% below its 52-week high.

On profitability, Encore Capital Group Inc generates a return on equity (ROE) of 29.83% — well above the market average, a sign of a high-quality business, return on capital employed of 13.33%, an operating margin of 35.39%, a net profit margin of 15.88%.

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