ECPG
Encore Capital Group, Inc.
NasdaqGSUSDEQUITY
DELAYED
Last price
101.21
▲ 3.07 (3.13%)
MARKET · —
Price
Too many bars for candle bodies at this width — showing high/low range per bar. Zoom in or pick a shorter range.
Open
99.40
Prev close
98.14
Day high
101.39
Day low
99.41
Volume
362.29K
Market cap
—
P/E (TTM)
—
52W range
39.95 – 104.98
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Trailing performance
Returnvs SPY
1W
-2.44%
-1.1%
1M
+18.19%
+14.5%
3M
+24.08%
+21.0%
6M
+73.28%
+62.2%
YTD
+86.22%
+73.9%
1Y
+144.65%
+124.6%
3Y
+111.25%
+37.1%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap—
Enterprise value—
Revenue (TTM)—
Gross profit—
EBITDA—
Net income—
EPS (TTM)—
Free cash flow—
Total cash—
Total debt—
Book value / share—
Shares outstanding—
Float—
Short % of float—
Dividend yield—
Beta (5Y)—
Valuation & profitability ratios
Trailing P/E—
Forward P/E—
PEG ratio—
Price / sales—
Price / book—
EV / revenue—
EV / EBITDA—
Gross margin—
Operating margin—
Profit margin—
Return on equity—
Return on assets—
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $1.77B | $1.32B | $1.22B | $1.40B | +34.4% |
| Operating revenue | $1.54B | $1.39B | $1.29B | $1.30B | +11.3% |
| Cost of revenue | $802.97M | $712.80M | $651.44M | $628.65M | +12.6% |
| Gross profit | $965.83M | $603.56M | $571.24M | $769.70M | +60.0% |
| Selling, general & admin | $165.95M | $163.85M | $144.86M | $145.80M | +1.3% |
| Total operating expense | $339.18M | $327.08M | $297.78M | $303.45M | +3.7% |
| Operating income | $626.65M | $276.47M | $273.46M | $466.25M | +126.7% |
| Net interest income | -$293.91M | -$252.54M | -$201.88M | -$153.31M | -16.4% |
| Pre-tax income | $336.16M | -$96.22M | -$180.26M | $310.99M | +449.4% |
| Tax provision | $79.33M | $43.03M | $26.23M | $116.42M | +84.4% |
| Net income | $256.83M | -$139.24M | -$206.49M | $194.56M | +284.4% |
| Net income to common | $256.83M | -$139.24M | -$206.49M | $194.56M | +284.4% |
| Basic EPS | 11.05 | -5.83 | -8.72 | 8.06 | +289.5% |
| Diluted EPS | 10.91 | -5.83 | -8.72 | 7.46 | +287.1% |
| EBIT | $616.63M | $141.57M | $21.61M | $464.30M | +335.6% |
| EBITDA | $645.39M | $174.00M | $63.35M | $510.72M | +270.9% |
| Basic shares | 23.23M | 23.87M | 23.67M | 24.14M | -2.7% |
| Diluted shares | 23.53M | 23.87M | 23.67M | 26.09M | -1.4% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $156.78M | $199.87M | $158.36M | $143.91M | — | -21.6% |
| Cash & short-term investments | $156.78M | $199.87M | $158.36M | $143.91M | — | -21.6% |
| Accounts receivable | $21.11M | $18.95M | $9.08M | $16.09M | — | +11.4% |
| Total current assets | $240.15M | $275.73M | $200.01M | $208.64M | — | -12.9% |
| Property, plant & equipment | $138.71M | $138.69M | $170.98M | $183.97M | — | +0.0% |
| Goodwill & intangibles | $536.29M | $507.81M | $606.48M | $843.33M | — | +5.6% |
| Total assets | $5.34B | $4.79B | $4.63B | $4.51B | — | +11.5% |
| Total current liabilities | $230.26M | $233.54M | $219.24M | $266.61M | — | -1.4% |
| Current debt | — | — | $29.31M | $68.39M | $514.11M | — |
| Long-term debt | $4.00B | $3.67B | $3.29B | $2.82B | — | +9.0% |
| Total debt | $4.00B | $3.67B | $3.32B | $2.90B | — | +8.9% |
| Total liabilities | $4.36B | $4.02B | $3.69B | $3.33B | — | +8.5% |
| Retained earnings | $1.10B | $909.93M | $1.05B | $1.28B | — | +21.4% |
| Shareholder equity | $976.75M | $767.33M | $936.54M | $1.18B | — | +27.3% |
| Working capital | $9.88M | $42.19M | -$19.23M | -$57.97M | — | -76.6% |
| Net tangible assets | $440.46M | $259.52M | $330.06M | $336.30M | — | +69.7% |
| Shares issued | 21.69M | 23.69M | 23.55M | 23.32M | — | -8.5% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $256.83M | -$139.24M | -$206.49M | $194.56M | +284.4% |
| Depreciation & amortisation | $28.76M | $32.43M | $41.74M | $46.42M | -11.3% |
| Stock-based compensation | $18.27M | $14.01M | $13.85M | $15.40M | +30.4% |
| Change in working capital | $6.27M | $28.16M | $5.45M | -$37.72M | -77.7% |
| Operating cash flow | $153.20M | $156.17M | $152.99M | $210.68M | -1.9% |
| Capital expenditure | -$26.27M | -$29.22M | -$51.71M | -$76.56M | +10.1% |
| Investing cash flow | -$242.59M | -$440.43M | -$401.94M | -$130.24M | +44.9% |
| Share buybacks | -$90.40M | $0 | $0 | -$87.01M | — |
| Financing cash flow | $44.85M | $317.77M | $268.30M | -$107.44M | -85.9% |
| Free cash flow | $126.93M | $126.95M | $101.28M | $134.12M | -0.0% |
| End cash position | $156.78M | $199.87M | $158.36M | $143.91M | -21.6% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $491.87M | $475.41M | $473.55M | $460.35M | $442.12M | +3.5% |
| Operating revenue | $418.47M | $410.66M | $400.64M | $392.30M | $383.47M | +1.9% |
| Cost of revenue | $222.30M | $210.10M | $212.66M | $203.73M | $205.76M | +5.8% |
| Gross profit | $269.57M | $265.31M | $260.89M | $256.62M | $236.36M | +1.6% |
| Selling, general & admin | $38.72M | $39.63M | $44.38M | $39.22M | $41.33M | -2.3% |
| Total operating expense | $82.67M | $81.32M | $87.50M | $83.45M | $85.63M | +1.7% |
| Operating income | $186.90M | $183.99M | $173.39M | $173.18M | $150.73M | +1.6% |
| Net interest income | -$73.91M | -$73.05M | -$75.19M | -$74.24M | -$73.94M | -1.2% |
| Pre-tax income | $82.85M | $111.73M | $97.82M | $99.86M | $78.02M | -25.9% |
| Tax provision | $18.85M | $25.49M | $21.16M | $25.20M | $19.30M | -26.1% |
| Net income | $64.00M | $86.24M | $76.66M | $74.66M | $58.72M | -25.8% |
| Net income to common | $64.00M | $86.24M | $76.66M | $74.66M | $58.72M | -25.8% |
| Basic EPS | 2.97 | 3.97 | 3.43 | 3.22 | 2.50 | -25.2% |
| Diluted EPS | 2.81 | 3.86 | 3.37 | 3.17 | 2.49 | -27.2% |
| EBIT | $154.22M | $182.43M | $170.03M | $170.41M | $148.53M | -15.5% |
| EBITDA | $161.33M | $189.28M | $176.96M | $177.58M | $155.84M | -14.8% |
| Basic shares | 21.55M | 21.73M | 22.35M | 23.22M | 23.51M | -0.8% |
| Diluted shares | 22.79M | 22.32M | 22.78M | 23.52M | 23.58M | +2.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $182.93M | $227.20M | $156.78M | $172.49M | $172.90M | — | -19.5% |
| Cash & short-term investments | $182.93M | $227.20M | $156.78M | $172.49M | $172.90M | — | -19.5% |
| Accounts receivable | $13.10M | $12.00M | $21.11M | $13.56M | $13.41M | — | +9.1% |
| Total current assets | $251.52M | $305.39M | $240.15M | $251.18M | $248.03M | — | -17.6% |
| Property, plant & equipment | $130.87M | $131.94M | $138.71M | $142.08M | $145.11M | — | -0.8% |
| Goodwill & intangibles | $528.74M | $529.49M | $536.29M | $535.63M | $542.91M | — | -0.1% |
| Total assets | $5.57B | $5.45B | $5.34B | $5.26B | $5.19B | — | +2.1% |
| Total current liabilities | $882.46M | $933.54M | $230.26M | $1.19B | $1.21B | — | -5.5% |
| Current debt | $691.65M | $681.27M | — | $927.25M | $999.68M | $916.41M | +1.5% |
| Long-term debt | $3.49B | $3.35B | $4.00B | $3.01B | $2.96B | — | +4.1% |
| Total debt | $4.18B | $4.03B | $4.00B | $3.93B | $3.97B | — | +3.6% |
| Total liabilities | $4.49B | $4.42B | $4.36B | $4.31B | $4.30B | — | +1.6% |
| Retained earnings | $1.21B | $1.17B | $1.10B | $1.08B | $1.02B | — | +3.7% |
| Shareholder equity | $1.08B | $1.03B | $976.75M | $952.91M | $895.97M | — | +4.2% |
| Working capital | -$630.94M | -$628.16M | $9.88M | -$935.95M | -$966.31M | — | -0.4% |
| Net tangible assets | $549.98M | $505.32M | $440.46M | $417.29M | $353.06M | — | +8.8% |
| Shares issued | 21.21M | 21.50M | 21.69M | 22.85M | 23.09M | — | -1.3% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $64.00M | $86.24M | $76.66M | $74.66M | $58.72M | -25.8% |
| Depreciation & amortisation | $7.11M | $6.86M | $6.93M | $7.17M | $7.31M | +3.7% |
| Stock-based compensation | $6.04M | $4.58M | $5.22M | $4.34M | $5.28M | +32.1% |
| Change in working capital | -$71.55M | $40.17M | -$37.38M | $54.92M | -$15.17M | -278.1% |
| Operating cash flow | -$29.38M | $82.33M | $16.81M | $81.58M | $9.52M | -135.7% |
| Capital expenditure | -$8.39M | -$4.86M | -$6.93M | -$6.02M | -$6.33M | -72.8% |
| Investing cash flow | -$103.24M | -$27.41M | -$27.04M | -$45.90M | -$69.37M | -276.7% |
| Share buybacks | -$26.94M | -$20.09M | -$55.07M | -$10.11M | -$15.21M | -34.1% |
| Financing cash flow | $88.22M | $18.61M | -$5.70M | -$36.67M | $46.89M | +374.1% |
| Free cash flow | -$37.77M | $77.47M | $9.88M | $75.56M | $3.19M | -148.8% |
| End cash position | $182.93M | $227.20M | $156.78M | $172.49M | $172.90M | -19.5% |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
Consensus—
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders—
Held by institutions—
Institutions holding—
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
99.74
+1.47% from price
SMA 20
97.62
+3.68% from price
SMA 50
91.97
+10.05% from price
SMA 100
86.02
+17.65% from price
SMA 200
71.72
+41.11% from price
EMA 12
99.37
+1.85% from price
EMA 26
96.51
+4.87% from price
EMA 50
92.59
+9.30% from price
RSI (14)
58.4
Neutral
MACD (12,26,9)
2.86
Hist 0.06
ATR (14)
4.53
4.47% of price
Realised vol 30D
43.8%
Annualised
Bollinger upper
104.68
20, 2σ
Bollinger lower
90.56
20, 2σ
50 / 200 cross
Golden
91.97 vs 71.72
Trend bias
Above 200
+41.11%
Risk profile
Beta vs SPY
0.77
Less volatile than market
Correlation to SPY
0.27
Largely independent
Realised vol 30D
43.8%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-12.1%
Peak to trough
Max drawdown 5Y
-62.5%
Peak to trough
ATR 14
4.53
4.47% of price
Beta (reported)
—
5Y monthly, from filing
Headlines
Robert W. Beck Appointed to Encore Capital Group Board of Directors
GlobeNewswire · 3d ago
Why Encore Capital Group (ECPG) Stock Dropped And Why It Is Back In Focus
Simply Wall St. · 11d ago
Can Encore Capital's Raised 2026 Outlook Drive More Earnings Growth?
Zacks · 11d ago
Is ECPG a Buy Now as Cheap Valuation Meets Rising Earnings Momentum?
Zacks · 11d ago
ECPG Rises 16.3% in 3 Months Amid Record Collections and Higher EPS
Zacks · 11d ago
All You Need to Know About Encore Capital Group (ECPG) Rating Upgrade to Strong Buy
Zacks · 12d ago
Are Investors Undervaluing Encore Capital Group (ECPG) Right Now?
Zacks · 15d ago
ECPG Q2 Earnings Miss Despite Y/Y Revenue Growth & Record Collections
Zacks · 16d ago
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