ECPG

Encore Capital Group, Inc.
NasdaqGSUSDEQUITY Financial Services DELAYED
Last price
99.19
▲ 1.27 (1.30%)
MARKET · —

Price

1D — H — L — Range — Vol —
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
98.00
Prev close
97.92
Day high
99.71
Day low
97.20
Volume
161.77K
Market cap
$2.10B
P/E (TTM)
7.45
52W range
39.95 – 104.98

Day trading desk

Current session · delayed
Gap from prior close
+0.08%
Prior close 97.92
VWAP
98.75
+0.45% from price
Relative volume
0.77×
Normal
Session range
2.58%
97.20 – 99.71
Position in range
79%
Near session high
ATR (14D)
3.13
3.16% of price
Prior day high
98.94
PDH
Prior day low
95.42
PDL
Bid / ask spread
—
Quote not published
Session volume
263.37K
Avg 343.78K

VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.

Trailing performance

Price return · vs SPY
Returnvs SPY
1W
+4.14% +2.2%
1M
+1.94% +0.8%
3M
+13.31% +8.8%
6M
+34.48% +16.3%
YTD
+82.50% +68.3%
1Y
+140.11% +123.7%
3Y
+107.68% +25.4%
5Y
— —

Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.

Unusual options activity

Account required
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
Free account required

Contracts trading at or above their open interest, ranked by notional and where the print landed.

Free account

5 more panels on ECPG open with an account.

Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.

Insider net activity

6m · Form 4 rollup
Net shares
+4.02K
Net buying
Buy transactions
10
17.10K shares
Sell transactions
2
13.09K shares
Net transactions
+12
Buys less sells
Sell : buy shares
0.8 : 1
Mixed
Insider-held shares
827.80K
Total on file
Bought 17.10KSold 13.09K

Insider transactions

Account required
DateInsiderAction SharesValueHeld
Sep 1, 26
GUPTA ASHWINI
Director
STOCK 291 $27.07K Direct
Aug 26, 26
BECK ROBERT WILLIAM
Director
STOCK 1.46K $146.42K Direct
Jun 22, 26
GUPTA ASHWINI
Director
STOCK 2.14K $179.99K Direct
Jun 22, 26
MONACO MICHAEL P
Director
STOCK 2.14K $179.99K Direct
Jun 22, 26
OLLE LAURA NEWMAN
Director
STOCK 2.14K $0 Direct
Jun 22, 26
GOINGS WILLIAM C
Director
STOCK 2.14K $179.99K Direct
Jun 22, 26
HILZINGER JEFFREY ALBERT
Director
STOCK 2.14K $179.99K Direct
Jun 22, 26
STOVSKY RICHARD P
Director
STOCK 2.14K $179.99K Direct
Jun 22, 26
ANGELA A KNIGHT
Director
STOCK 2.14K $179.99K Direct
Jun 11, 26
YUNG JOHN
Officer
SELL 4.00K $325.18K Direct
Jun 10, 26
ASCH ANDREW ERIC
General Counsel
SELL 9.09K $740.64K Direct
Jun 1, 26
GUPTA ASHWINI
Director
STOCK 340 $26.71K Direct
Mar 9, 26
HERNANZ TOMAS CRUZ
Chief Financial Officer
STOCK 12.49K $0 Direct
Mar 9, 26
MASIH ASHISH
Chief Executive Officer
STOCK 60.69K $0 Direct
What this is, and what it is not

These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.

A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.

This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.

Free account required

Officer and director trades in their own stock, straight from Form 4 filings.

Insider holders

10 reporting
NameRelationShares heldLatest
BELL RYAN B.
Officer 58.44K Stock Award(Grant)
CLARK JONATHAN C
Chief Financial Officer 190.16K Purchase
GUPTA ASHWINI
Director 105.64K Stock Award(Grant)
HANNAM WENDY GUIDA
Director 42.85K Stock Award(Grant)
HERNANZ TOMAS CRUZ
Chief Financial Officer 32.57K Stock Award(Grant)
MASIH ASHISH
Chief Executive Officer 389.61K Stock Award(Grant)
MONACO MICHAEL P
Director 42.26K Stock Award(Grant)
OLLE LAURA NEWMAN
Director 37.17K Stock Award(Grant)
STOVSKY RICHARD P
Director 29.56K Stock Award(Grant)
YUNG JOHN
Officer 62.57K Sale

Fundamentals

TTM · reported
Market cap$2.10B
Enterprise value$6.11B
Revenue (TTM)$1.90B
Gross profit$1.90B
EBITDA$745.54M
Net income$301.56M
EPS (TTM)$13.32
Free cash flow$-157.00M
Total cash$182.93M
Total debt$4.19B
Book value / share$50.86
Shares outstanding21.21M
Float20.71M
Short % of float7.49%
Dividend yield0.00%
Beta (5Y)1.31

Valuation & profitability ratios

Account required
Trailing P/E7.45
Forward P/E7.43
PEG ratio0.17
Price / sales—
Price / book1.95
EV / revenue3.21
EV / EBITDA8.19
Gross margin100.00%
Operating margin38.00%
Profit margin15.86%
Return on equity30.54%
Return on assets8.34%
Debt / equity388.06
Current ratio11.38
Free account required

Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.

Financial statements

As reported · 5 years · 6 quarters
Blank means not reported, not zero
Line item2025202420232022YoY
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 11.05-5.83-8.728.06 +289.5%
Diluted EPS 10.91-5.83-8.727.46 +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 23.23M23.87M23.67M24.14M -2.7%
Diluted shares 23.53M23.87M23.67M26.09M -1.4%

Options analytics

Account required
Put / call volume
11.79
Put-heavy session
Put / call open interest
—
Positioning, not flow
Max pain
80.00
-19.3% from spot
ATM implied vol
1.6%
Nearest strike to spot
Skew (10% OTM)
+6.2%
Puts bid over calls
Call volume
14
Contracts, this expiry
Put volume
165
Contracts, this expiry
Heaviest call OI
85.00
0 contracts
Heaviest put OI
80.00
0 contracts

Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.

Free account required

Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.

Earnings

History & consensus estimates
Reported vs expected · EPS
QuarterEst.ActualSurprise
Jun 2026 2.623.95 +50.8%
Mar 2026 2.783.91 +40.8%
Dec 2025 1.753.48 +98.9%
Sep 2025 1.593.18 +100.6%
Forward consensus
PeriodEPSAnalystsRevenueGrowth
Current quarter 3.35 4 $466.80M +1.4%
Next quarter 3.51 4 $476.41M +0.6%
Current year 13.52 4 $1.91B +8.0%
Next year 14.62 4 $1.94B +1.4%

Analyst targets & ownership

Account required
Mean target$115.67
High target$120.00
Low target$112.00
Implied upside16.61%
Analyst count3
ConsensusNONE
Strong buy / Buy1 / 2
Hold1
Sell / Strong sell0 / 0
Held by insiders3.90%
Held by institutions109.76%
Institutions holding415
Free account required

Price targets, consensus spread, insider and institutional ownership.

Moving averages & technicals

Computed from 2Y daily closes
SMA 10
96.40
+2.90% from price
SMA 20
97.67
+1.55% from price
SMA 50
97.95
+1.26% from price
SMA 100
91.69
+8.18% from price
SMA 200
79.08
+25.44% from price
EMA 12
97.10
+2.15% from price
EMA 26
97.36
+1.88% from price
EMA 50
96.23
+3.08% from price
RSI (14)
54.8
Neutral
MACD (12,26,9)
-0.26
Hist -0.01
ATR (14)
3.13
3.16% of price
Realised vol 30D
29.8%
Annualised
Bollinger upper
101.40
20, 2σ
Bollinger lower
93.95
20, 2σ
50 / 200 cross
Golden
97.95 vs 79.08
Trend bias
Above 200
+25.44%

Options chain

Account required
Expiry
Spot 99.19
Calls
StrikeLastBidAskVolOIIV
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
Puts
StrikeLastBidAskVolOIIV
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
Free account required

Every listed expiry, both sides of the book, with volume, open interest and implied volatility.

Risk profile

Daily returns · 1Y window
Beta vs SPY
0.81
Less volatile than market
Correlation to SPY
0.30
Largely independent
Realised vol 30D
29.8%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-10.3%
Peak to trough
Max drawdown 5Y
-62.5%
Peak to trough
ATR 14
3.13
3.16% of price
Beta (reported)
1.31
5Y monthly, from filing

Short interest

Semi-monthly exchange report · lags by ~2 weeks
Shares short
1.28M
Prior 1.12M
Change vs prior
+14.7%
Shorts adding
% of float
7.49%
Normal
% of shares out
6.04%
Against total outstanding
Days to cover
3.4
Liquid
Float
20.71M
Freely tradeable shares

Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.

Rating changes

50 on file
DateFirm ActionFromTo
Aug 6, 26 Truist Securities MAINTAINED Buy Buy
Jun 17, 26 Citizens MAINTAINED Market Outperform Market Outperform
May 7, 26 Citizens MAINTAINED Market Outperform Market Outperform
May 7, 26 Truist Securities MAINTAINED Buy Buy
Feb 26, 26 Citizens MAINTAINED Market Outperform Market Outperform
Feb 26, 26 Truist Securities MAINTAINED Buy Buy
Jan 20, 26 Citizens MAINTAINED Market Outperform Market Outperform
Nov 6, 25 Janney Montgomery Scott MAINTAINED Buy Buy
Feb 27, 25 Truist Securities MAINTAINED Buy Buy
Dec 23, 24 Northland Capital Markets MAINTAINED Outperform Outperform
Nov 7, 24 JMP Securities MAINTAINED Market Outperform Market Outperform
Oct 17, 24 Northland Capital Markets UPGRADE Market Perform Outperform

Dividends & splits

Declared · from the issuer
Forward rate—
Forward yield0.00%
5-year avg yield—
Payout ratio0.00%
Ex-dividend date—
Next pay date—
Last split—
Split date—

PRIVATE STRATEGY · BY QUALIFICATION

The same data. A different seat.

The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.