ECPG
NASDAQ
US
Encore Capital Group Inc - Common Stock
$71.14
▲ +$0.27
(+0.38%)
Vol 195K
4
Quality Score
fail
Rev ✗
NI ✗
>IPO ✗
Mkt Cap
$1.2B
ROE
-5.3%
Margin
-2.9%
D/E
412.82
Beta
1.43
52W
$26–$57
Wall Street Consensus
10 analysts · Apr 20262
Strong Buy
6
Buy
2
Hold
0
Sell
0
Strong Sell
80.0%
Buy Rating
Price Chart
Similar Stocks
Earnings
Beat rate: 100.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $2.14 | $3.37 | +$1.23 |
| Sep 2025 | $1.88 | $3.17 | +$1.29 |
| Jun 2025 | $1.45 | $2.49 | +$1.04 |
| Mar 2025 | $1.24 | $1.93 | +$0.69 |
Quarterly Revenue & Earnings
| Quarter | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|
| Revenue | $265.6M | $392.8M | $442.1M | $460.4M | $473.6M |
| Net Income | -$225.3M | $46.8M | $58.7M | $74.7M | $76.7M |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | -10.1% | -10.1% | -10.1% | -10.1% | -5.2% | -5.2% |
| P/E (TTM) | — | — | — | — | — | — |
| Net Margin | 13.3% | -6.1% | -6.0% | -6.0% | -2.9% | -2.9% |
| Gross Margin | 80.1% | 78.5% | 78.5% | 78.5% | 79.1% | 79.1% |
| D/E Ratio | 442.59 | 442.59 | 442.59 | 442.59 | 412.82 | 412.82 |
| Current Ratio | 1.12 | 0.97 | 0.97 | 0.97 | 0.80 | 0.93 |
Key Ratios
ROA (TTM)
-0.9%
P/S (TTM)
0.78
P/B
1.5
EPS (TTM)
$-1.83
CF/Share
$1.62
Rev Growth 3Y
-2.4%
52W High
$56.67
52W Low
$26.45
$26.45
52-Week Range
$56.67
Financial Health
Free Cash Flow
$9.9M
Net Debt
$3.8B
Cash
$156.8M
Total Debt
$4.0B
As of Dec 31, 2025
How does ECPG compare to Financial Services peers?
Peer group: Small-cap Financial Services ($300M+) · 132 companies
ECPG valuation vs Financial Services peers
P/E ratio
—
▼
0%
below
peers
(12.3)
vs Peers
vs Industry
Overvalued
P/S ratio
0.8
▼
76%
below
peers
(3.3)
vs Peers
vs Industry
Undervalued
P/B ratio
1.5
▼
9%
below
peers
(1.6)
vs Peers
vs Industry
Fair value
Div yield
—
▼
0%
below
peers
(4.5%)
vs Peers
vs Industry
In line
ECPG profitability vs Financial Services peers
ROE
-5.3%
▼
143%
below
peers
(12.3%)
vs Peers
vs Industry
Weak
Net margin
-2.9%
▼
115%
below
peers
(18.9%)
vs Peers
vs Industry
Weak
Gross margin
79.1%
▲
22%
above
peers
(65.1%)
vs Peers
vs Industry
Below avg
ROA
-0.9%
▼
131%
below
peers
(2.9%)
vs Peers
vs Industry
Weak
ECPG financial health vs Financial Services peers
D/E ratio
412.8
▲
299%
above
peers
(103.6)
vs Peers
vs Industry
High debt
Current ratio
0.9
▼
19%
below
peers
(1.2)
vs Peers
vs Industry
Low liquidity
Beta
1.4
▲
50%
above
peers
(1.0)
vs Peers
vs Industry
More volatile
ECPG fundamentals radar
ECPG
Peer median
Industry
ECPG profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
ECPG vs peers: key metrics
Insider Activity
NeutralBuys
0
Sells
0
MASIH ASHISH
Chief Executive Officer · Mar 09
60690 shs
BELL RYAN B.
Officer · Mar 09
18428 shs
ASCH ANDREW ERIC
General Counsel · Mar 09
10541 shs
YUNG JOHN
Officer · Mar 09
15638 shs
HERNANZ TOMAS CRUZ
Chief Financial Officer · Mar 09
12495 shs
BELL RYAN B.
Officer · Mar 03
7500 shs
GUPTA ASHWINI
Director · Feb 27
347 shs
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