ECPG Encore Capital Group Inc - Common Stock
NASDAQ · Financial Services · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 5, 2026
$95.92
· of 52w range
· above low
· to high
$39.9552w low
$104.9852w high
Market Cap (MRQ)
$2.03B
P/E (TTM)
7.3
EPS (TTM)
$13.16
Revenue (TTM)
$1.90B
your badges
52W Range
$40–$105
Analyst Rating
BUY
Price Target
$116
P/E
7.3
ROE
30.5%
Net Profit Margin
15.9%
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ECPG Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$95.92
Market Cap (MRQ)
$2.03B
P/E (TTM)
7.3
EPS (TTM)
$13.16
Revenue (TTM)
$1.90B
ROE (TTM)
30.5%
52W Range
$40–$105
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About Encore Capital Group Inc - Common Stock Company overview from Wikipedia
Encore Capital Group, Inc. is a publicly traded debt buyer based in the United States. The company is headquartered in San Diego, and operates throughout the United States. The firm is a publicly traded NASDAQ Global Select company (ECPG), a component stock of the Russell 2000, the S&P SmallCap 600, and the Wilshire 4500.
## History
Encore Capital Group's subsidiary company, Midland Credit Management, Inc., through which it purchases all of its debt, was founded in 1953 and was incorporated in Kansas in September 1953. In 1998, an investor group led by Nelson Peltz and Peter May and Kerry Packer of Consolidated Press International Holdings Limited, acquired a majority interest in its operations.
The group formed a holding company, which it incorporated in Delaware in April 1999 as MCM Capital Group, Inc., later renamed Encore Capital Group, Inc. in April 2002. The company completed its initial public offering of 2,250,000 shares of common stock in July 1999. Encore Capital is the largest publicly traded United States debt buyer by revenue.
Ashish Masih is Encore Capital's president and chief executive officer. Masih joined Encore Capital in 2009.
In June, 2013, Encore acquired Asset Acceptance Corporation, a debt buyer based in Warren, Michigan. In 2014, Encore Capital acquired Virginia-based Atlantic Credit & Finance.
In January 2015, New York State Attorney General Eric Schneiderman sued Encore Capital over unethical practices and forced Encore Capital to pay a $675,000 penalty and vacate more than 4,500 court judgments against borrowers.
In September 2015, both Encore and Portfolio Recovery Associates, the United States’ two largest publicly held debt buyers, were charged with violating the Fair Debt Collection Practices Act and the Dodd–Frank Wall Street Reform and Consumer Protection Act by filing "lawsuits against consumers without having the intent to prove many of the debts, winning the vast majority of the lawsuits by default when consumers failed to defend themselves."
The Consumer Financial Protection Bureau imposed an enforcement action on Encore Capital for pressuring borrowers "to pay with false statements, with lawsuits and with the use of using so-called robo-signed court documents." According to The New York Times, Encore paid "$42 million in consumer refunds and a $10 million penalty" and an injunction to "stop collections on debts totaling more than $125 million."
On June 6, 2017, Encore Capital announced the launch of its financial literacy program, Money Matters, which sends employee volunteers to teach high school and college students financial literacy.
In 2018, Encore fully acquired British debt buyer Cabot Financial.
In September 2020, the Consumer Financial Protection Bureau filed a lawsuit against Encore Capital and its subsidiary Cabot Financial. In October 2020, Encore Capital agreed to pay an addition $78,308.81 in consumer redress as well as an additional $15 million in civil money penalty as directed by the CFPB. Encore is subject to five years of monitoring, ending the consent order and resolving further litigation.
Source: Wikipedia, CC BY-SA 4.0 · View on Wikipedia ↗
sectorFinancial Services
industryFinancial Services
employees7,350
countryUS
10-Year Performance Revenue, net income, margins and EPS trends
Revenue$1.77B2016-12-31 → 2025-12-31
EPS$10.912016-12-31 → 2025-12-31
Free Cash Flow$127M2016-12-31 → 2025-12-31
Net margin15.9%2016-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | ECPG | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E (TTM) | 7.35Y avg ≈0.6 | ≈0.6 | 12.0 | Undervalued | |
| P/S (TTM) | 1.15Y avg ≈0.8 | ≈0.8 | 1.7 | Undervalued | |
| P/B (MRQ) | 1.95Y avg ≈1.2 | ≈1.2 | 2.3 | Undervalued | |
| Price / FCF (TTM) | 16.35Y avg ≈7.9 | ≈7.9 | · | · | |
| Price / Cash Flow (TTM) | 13.45Y avg ≈6.6 | ≈6.6 | 7.2 | Overvalued | |
| Price / Tangible Book | 4.75Y avg ≈4.0 | ≈4.0 | · | · | |
| PEG Ratio | ≈0.7 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | ECPG | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Operating Margin (TTM) | 37.7%5Y avg ≈24.2% | ≈24.2% | 23.6% | Top tier | |
| EBITDA Margin (TTM) | 39.2%5Y avg ≈27.0% | ≈27.0% | 7.6% | Top tier | |
| Pretax Margin (TTM) | 20.6%5Y avg ≈9.2% | ≈9.2% | 33.2% | Weak | |
| Net Profit Margin (TTM) | 15.9%5Y avg ≈4.5% | ≈4.5% | 23.3% | Weak | |
| ROA (TTM) | 5.6%5Y avg ≈1.9% | ≈1.9% | 3.4% | Top tier | |
| ROE (TTM) | 30.5%5Y avg ≈7.7% | ≈7.7% | 24.1% | In line | |
| ROIC | 49.0%5Y avg ≈29.6% | ≈29.6% | · | · |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | ECPG | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 34.4%5Y avg ≈4.7% | ≈4.7% | · | · | |
| Revenue CAGR 3Y | 8.2%5Y avg ≈-1.7% | ≈-1.7% | · | · | |
| Revenue CAGR 5Y | 3.3% | · | · | · | |
| EPS CAGR 3Y | 13.5% | · | · | · | |
| EPS CAGR 5Y | 10.3% | · | · | · | |
| Net Income CAGR 3Y | 9.7% | · | · | · | |
| Net Income CAGR 5Y | 3.9% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | ECPG | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.35Y avg ≈0.3 | ≈0.3 | 0.3 | Top tier | |
| Revenue / Employee | ≈$240.7K | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
47.3%
Next Report
Nov 03, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Aug 4, 2026 | $2.81 | $2.72 | 3.2% |
| March 31, 2026 | $3.86 | $3.05 | 26.5% | |
| Dec. 31, 2025 | $3.37 | $2.14 | 57.5% | |
| Sept. 30, 2025 | $3.17 | $1.88 | 68.5% | |
| June 30, 2025 | $2.49 | $1.45 | 72.2% | |
| March 31, 2025 | $1.93 | $1.24 | 55.9% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.77B | $1.32B | $1.22B | $1.40B | $1.61B | $1.50B | $1.41B | $1.32B | $1.15B | $1.11B | $1.13B | $1.04B | |
| SG&A Expense | $166M | $164M | $145M | $146M | $138M | $149M | $148M | $158M | $158M | $134M | $191M | $140M | |
| Operating Expenses | $1.14B | $1.16B | $1.21B | $936M | $981M | $968M | $951M | $957M | $862M | $788M | $848M | $735M | |
| Operating Income | $627M | $157M | $17M | $462M | $633M | $534M | $446M | $405M | $325M | $242M | $282M | $308M | |
| Interest Expense | · | · | $202M | $153M | $170M | $209M | $218M | $237M | $204M | $198M | $187M | $167M | |
| Other Non-op | $5M | $7M | $5M | $2M | $-18M | $-357.0K | $-18M | $-9M | $11M | $14M | $2M | $113.0K | |
| Pretax Income | $336M | $-96M | $-180M | $311M | $437M | $283M | $201M | $156M | $131M | $57M | $98M | $142M | |
| Income Tax | $79M | $43M | $26M | $116M | $85M | $70M | $32M | $47M | $52M | $38M | $27M | $49M | |
| Net Income | $257M | $-139M | $-206M | $195M | $351M | $212M | $168M | $116M | $83M | $77M | $45M | $104M | |
| EPS (Basic) | $11.05 | $-5.83 | $-8.72 | $8.06 | $11.64 | $6.74 | $5.38 | $4.09 | $3.20 | $2.98 | $1.75 | $4.01 | |
| EPS (Diluted) | $10.91 | $-5.83 | $-8.72 | $7.46 | $11.26 | $6.68 | $5.33 | $4.06 | $3.15 | $2.96 | $1.69 | $3.77 | |
| Shares (Basic) | 23,234,000 | 23,873,000 | 23,670,000 | 24,142,000 | 30,129,000 | 31,427,000 | 31,210,000 | 28,313,000 | 25,972,000 | 25,713,000 | 25,722,000 | 25,853,000 | |
| Shares (Diluted) | 23,534,000 | 23,873,000 | 23,670,000 | 26,092,000 | 31,153,000 | 31,710,000 | 31,474,000 | 28,572,000 | 26,405,000 | 25,909,000 | 26,647,000 | 27,495,000 | |
| EBITDA | $655M | $190M | $58M | $513M | $683M | $576M | $487M | $447M | $365M | $276M | $279M | $347M |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $157M | $200M | $158M | $144M | $190M | $189M | $192M | $157M | $212M | $150M | $124M | $92M | |
| PP&E (Net) | $82M | $81M | $104M | $114M | $120M | $127M | $120M | $116M | $76M | $72M | $73M | $67M | |
| PP&E (Gross) | $285M | $265M | $273M | $269M | $273M | $257M | $222M | $231M | $206M | $181M | $173M | $144M | |
| Accum. Depreciation | · | · | · | · | · | · | · | $115M | $130M | $109M | $100M | $77M | |
| Goodwill | $536M | $508M | $606M | $821M | $898M | $907M | $884M | $868M | $929M | $785M | $925M | $898M | |
| Intangibles | · | $0 | $48.0K | $22M | $36M | $45M | $51M | $61M | $76M | $28M | $16M | $22M | |
| Total Assets | $5.34B | $4.79B | $4.63B | $4.51B | $4.61B | $4.86B | $4.91B | $4.63B | $4.49B | $3.67B | $4.17B | $3.75B | |
| Total Liabilities | $4.36B | $4.02B | $3.69B | $3.33B | $3.42B | $3.64B | $3.88B | $3.81B | $3.77B | $3.07B | $3.53B | $3.09B | |
| Common Stock | $217.0K | $237.0K | $235.0K | $233.0K | $245.0K | $313.0K | $311.0K | $309.0K | $258.0K | $256.0K | $253.0K | $258.0K | |
| Paid-in Capital | $0 | $19M | $11M | $0 | $0 | $230M | $223M | $208M | $43M | $103M | $111M | $125M | |
| Retained Earnings | $1.10B | $910M | $1.05B | $1.28B | $1.24B | $1.06B | $888M | $720M | $616M | $561M | $543M | $498M | |
| AOCI | $-128M | $-162M | $-124M | $-99M | $-54M | $-69M | $-89M | $-111M | $-77M | $-105M | $-58M | $-922.0K | |
| Stockholders' Equity | $977M | $767M | $937M | $1.18B | $1.19B | $1.22B | $1.03B | $818M | $582M | $559M | $596M | $623M | |
| Liabilities + Equity | $5.34B | $4.79B | $4.63B | $4.51B | $4.61B | $4.86B | $4.91B | $4.63B | $4.49B | $3.67B | $4.17B | $3.75B | |
| Shares Outstanding | 21,688,000 | 23,691,000 | 23,545,000 | 23,323,000 | 24,541,000 | 31,345,000 | 31,097,000 | 30,884,000 | 25,801,000 | 25,593,000 | 25,288,000 | 25,794,000 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $29M | $32M | $42M | $46M | $50M | $43M | $41M | $41M | $40M | $35M | $33M | $27M | |
| Stock-based Comp | $18M | $14M | $14M | $15M | $18M | $17M | $13M | $13M | $10M | $13M | $22M | $17M | |
| Deferred Tax | $30M | $-22M | $-56M | $46M | $35M | $9M | $21M | $17M | $29M | $-53M | $-17M | $-48M | |
| Amort. of Intangibles | · | · | $4M | $6M | $8M | $8M | $8M | $12M | $9M | $7M | $5M | $4M | |
| Other Non-cash | $-180M | $271M | $360M | $-96M | $-152M | $30M | $939.0K | $-117.0K | $-39M | $59M | $46M | $11M | |
| Operating Cash Flow | $153M | $156M | $153M | $211M | $303M | $313M | $245M | $187M | $124M | $130M | $116M | $112M | |
| CapEx | $26M | $29M | $25M | $37M | $33M | $35M | $40M | $67M | $28M | $32M | $29M | $23M | |
| Investing Cash Flow | $-243M | $-440M | $-402M | $-130M | $340M | $83M | $-202M | $-398M | $-452M | $-169M | $-473M | $-755M | |
| Stock Repurchased | $90M | $0 | $0 | $87M | $391M | $0 | $0 | · | $0 | $0 | $33M | $17M | |
| Net Stock Activity | $-90M | $0 | $0 | $-87M | $-391M | · | · | · | $0 | $0 | $-33M | $-17M | |
| Financing Cash Flow | $45M | $318M | $268M | $-107M | $-656M | $-403M | $-20M | $166M | $378M | $43M | $400M | $626M | |
| Taxes Paid | $55M | $67M | $69M | $71M | $42M | $89M | $44M | $6M | $42M | $60M | $84M | $70M | |
| Free Cash Flow | $127M | $127M | $128M | $173M | $270M | $278M | $205M | $119M | $96M | $99M | $86M | $88M | |
| Levered FCF | · | · | $-103M | $78M | $133M | $121M | $15M | $-49M | $-27M | $32M | $-59M | $-21M |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Margin | 35.4% | 11.9% | 1.4% | 33.1% | 39.2% | 35.5% | 31.8% | 30.7% | 27.3% | 23.5% | 21.1% | 29.8% | |
| Net Margin | 14.5% | -10.6% | -16.9% | 13.9% | 21.7% | 14.1% | 11.9% | 8.8% | 7.0% | 7.4% | 3.9% | 9.7% | |
| Pretax Margin | 19.0% | -7.3% | -14.7% | 22.2% | 27.0% | 18.8% | 14.3% | 11.8% | 11.1% | 5.6% | 5.2% | 14.2% | |
| EBITDA Margin | 37.0% | 14.4% | 4.8% | 36.7% | 42.3% | 38.4% | 34.7% | 33.8% | 30.7% | 26.9% | 24.0% | 32.4% | |
| ROA | 5.1% | -3.0% | -4.5% | 4.3% | 7.4% | 4.3% | 3.5% | 2.5% | 2.0% | 1.9% | 1.1% | 3.2% | |
| ROE | 27.4% | -15.3% | -19.3% | 16.4% | 29.2% | 18.9% | 18.2% | 16.6% | 14.6% | 13.2% | 7.4% | 17.4% | |
| ROIC | 49.0% | 29.7% | 2.0% | 24.5% | 43.0% | 32.9% | 36.6% | 34.7% | 33.7% | 14.4% | 32.0% | 33.6% |
Liquidity & Solvency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Coverage | · | · | 0.1 | 3.0 | 3.7 | 2.5 | 2.0 | 1.7 | 1.6 | 1.2 | 1.3 | 1.9 |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $45.04 | $32.39 | $39.78 | $50.58 | $48.30 | $38.85 | $32.87 | $26.49 | $22.55 | $21.85 | $23.59 | $24.15 | |
| Revenue / Share | $75.16 | $55.14 | $51.66 | $53.59 | $51.82 | $47.35 | $44.67 | $46.22 | $44.95 | $39.73 | $43.59 | $39.02 | |
| Cash Flow / Share | $6.51 | $6.54 | $6.46 | $8.07 | $9.73 | $9.87 | $7.78 | $6.54 | $4.69 | $5.03 | $4.29 | $4.06 | |
| Cash / Share | $7.23 | $8.44 | $6.73 | $6.17 | $7.73 | $6.04 | $6.18 | $5.10 | $8.22 | $5.85 | $6.07 | $4.81 | |
| EPS (TTM) | $10.91 | $-5.83 | $-8.72 | $7.46 | $11.26 | $6.68 | $5.33 | $4.06 | $3.15 | $2.96 | $1.69 | $3.77 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 34.4% | 7.7% | -12.6% | -13.4% | 7.5% | · | · | · | · | · | · | · | |
| Revenue CAGR 3Y | 8.2% | -6.6% | -6.6% | · | · | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 3.3% | · | · | · | · | · | · | · | · | · | · | · | |
| EPS YoY | · | · | · | -33.8% | 68.6% | · | · | · | · | · | · | · | |
| EPS CAGR 3Y | 13.5% | · | · | · | · | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | 10.3% | · | · | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | · | · | · | -44.5% | 65.6% | · | · | · | · | · | · | · | |
| Net Income CAGR 3Y | 9.7% | · | · | · | · | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 3.9% | · | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $1.77B | $1.32B | $1.22B | $1.40B | $1.61B | $1.50B | $1.41B | $1.32B | $1.15B | $1.11B | $1.13B | $1.04B | |
| Net Income TTM | $257M | $-139M | $-206M | $195M | $351M | $212M | $168M | $116M | $83M | $77M | $45M | $104M | |
| Market Cap | $1.18B | $1.13B | $1.19B | $1.12B | $1.52B | $1.22B | $1.10B | $726M | $1.09B | $733M | $735M | $1.15B | |
| P/E | 5.0 | -8.2 | -5.8 | 6.4 | 5.5 | 5.8 | 6.6 | 5.8 | 13.4 | 9.7 | 17.2 | 11.8 | |
| P/S | 0.7 | 0.9 | 1.0 | 0.8 | 0.9 | 0.8 | 0.8 | 0.5 | 0.9 | 0.7 | 0.7 | 1.1 | |
| P/B | 1.2 | 1.5 | 1.3 | 0.9 | 1.3 | 1.0 | 1.1 | 0.9 | 1.9 | 1.3 | 1.2 | 1.8 | |
| P / Tangible Book | 2.7 | 4.4 | 3.6 | 3.3 | 6.1 | 4.6 | · | · | · | · | · | · | |
| P / Cash Flow | 7.7 | 7.2 | 7.8 | 5.3 | 5.0 | 3.9 | 4.5 | 3.9 | 8.8 | 5.6 | 6.4 | 10.3 | |
| P / FCF | 9.3 | 8.9 | 9.3 | 6.4 | 5.7 | 4.4 | 5.4 | 6.1 | 11.4 | 7.4 | 8.6 | 13.0 | |
| Earnings Yield | 20.1% | -12.2% | -17.2% | 15.6% | 18.1% | 17.2% | 15.1% | 17.3% | 7.5% | 10.3% | 5.8% | 8.5% |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $492M | $475M | $474M | $460M | $442M | $393M | $266M | $367M | $355M | $328M | $277M | $310M | $323M | $313M | $234M | $308M | |
| SG&A Expense | $39M | $40M | $44M | $39M | $41M | $41M | $52M | $39M | $37M | $36M | $37M | $36M | $35M | $38M | $40M | $37M | |
| Operating Expenses | $305M | $291M | $300M | $287M | $291M | $263M | $400M | $261M | $253M | $245M | $495M | $234M | $235M | $242M | $236M | $227M | |
| Operating Income | $187M | $184M | $173M | $173M | $151M | $129M | $-134M | $106M | $102M | $84M | $-217M | $76M | $88M | $70M | $-2M | $81M | |
| Interest Expense | · | · | · | · | · | · | · | · | $61M | $56M | · | $51M | $50M | $47M | · | $39M | |
| Other Non-op | $385.0K | $790.0K | $1M | $929.0K | $1M | $2M | $541.0K | $2M | $2M | $3M | $-2.0K | $5M | $-2M | $2M | $-1M | $1M | |
| Pretax Income | $83M | $112M | $98M | $100M | $78M | $60M | $-210M | $41M | $43M | $30M | $-272M | $30M | $36M | $25M | $-46M | $42M | |
| Income Tax | $19M | $25M | $21M | $25M | $19M | $14M | $15M | $10M | $10M | $7M | $-934.0K | $11M | $10M | $6M | $27M | $11M | |
| Net Income | $64M | $86M | $77M | $75M | $59M | $47M | $-225M | $31M | $32M | $23M | $-271M | $19M | $26M | $19M | $-73M | $31M | |
| EPS (Basic) | $2.97 | $3.97 | $3.37 | $3.22 | $2.50 | $1.96 | $-9.44 | $1.28 | $1.35 | $0.98 | $-11.44 | $0.82 | $1.11 | $0.79 | $-2.84 | $1.31 | |
| EPS (Diluted) | $2.81 | $3.86 | $3.32 | $3.17 | $2.49 | $1.93 | $-9.38 | $1.26 | $1.34 | $0.95 | $-11.34 | $0.79 | $1.08 | $0.75 | $-2.45 | $1.22 | |
| Shares (Basic) | 21,554,000 | 21,728,000 | · | 23,222,000 | 23,507,000 | 23,879,000 | · | 23,912,000 | 23,883,000 | 23,784,000 | · | 23,712,000 | 23,670,000 | 23,548,000 | · | 23,958,000 | |
| Shares (Diluted) | 22,791,000 | 22,320,000 | · | 23,520,000 | 23,578,000 | 24,269,000 | · | 24,407,000 | 24,097,000 | 24,468,000 | · | 24,382,000 | 24,280,000 | 24,942,000 | · | 25,919,000 | |
| EBITDA | $187M | $191M | · | $173M | $151M | $137M | · | $106M | $102M | $91M | · | $76M | $88M | $81M | · | $81M |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $183M | $227M | $157M | $172M | $173M | $187M | $200M | $247M | $251M | $173M | · | $145M | $185M | $159M | · | $147M | |
| PP&E (Net) | $81M | $79M | $82M | $82M | $84M | $82M | $81M | $104M | $102M | $103M | · | $102M | $107M | $110M | · | $104M | |
| PP&E (Gross) | · | · | $285M | · | · | · | $265M | · | · | · | · | · | · | · | · | · | |
| Goodwill | $529M | $529M | $536M | $536M | $543M | $519M | $508M | $628M | $603M | $602M | $606M | $826M | $852M | $834M | $821M | $770M | |
| Intangibles | · | · | · | · | · | · | · | $0 | $0 | $0 | · | $19M | $21M | $21M | · | $25M | |
| Total Assets | $5.57B | $5.45B | $5.34B | $5.26B | $5.19B | $4.97B | $4.79B | $4.99B | $4.82B | $4.69B | · | $4.76B | $4.88B | $4.69B | · | $4.33B | |
| Total Liabilities | $4.49B | $4.42B | $4.36B | $4.31B | $4.30B | $4.15B | $4.02B | $3.95B | $3.83B | $3.73B | · | $3.56B | $3.64B | $3.50B | · | $3.13B | |
| Common Stock | $212.0K | $215.0K | $217.0K | $229.0K | $231.0K | $235.0K | $237.0K | $237.0K | $237.0K | $237.0K | · | $235.0K | $235.0K | $235.0K | · | $235.0K | |
| Paid-in Capital | $0 | $0 | $0 | $0 | $0 | $10M | $19M | $17M | $13M | $9M | · | $8M | $4M | $0 | · | $0 | |
| Retained Earnings | $1.21B | $1.17B | $1.10B | $1.08B | $1.02B | $957M | $910M | $1.14B | $1.10B | $1.07B | · | $1.32B | $1.30B | $1.27B | · | $1.36B | |
| AOCI | $-131M | $-132M | $-128M | $-131M | $-119M | $-148M | $-162M | $-104M | $-130M | $-127M | · | $-129M | $-71M | $-90M | · | $-166M | |
| Stockholders' Equity | $1.08B | $1.03B | $977M | $953M | $896M | $819M | $767M | $1.05B | $988M | $954M | $937M | $1.20B | $1.23B | $1.18B | $1.18B | $1.19B | |
| Liabilities + Equity | $5.57B | $5.45B | $5.34B | $5.26B | $5.19B | $4.97B | $4.79B | $4.99B | $4.82B | $4.69B | · | $4.76B | $4.88B | $4.69B | · | $4.33B | |
| Shares Outstanding | 21,209,000 | 21,499,000 | 21,688,000 | 22,854,000 | 23,095,000 | 23,510,000 | 23,691,000 | 23,691,000 | 23,691,000 | 23,687,000 | · | 23,529,000 | 23,485,000 | 23,482,000 | · | 23,538,000 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $7M | $7M | $7M | $7M | $7M | $7M | $9M | $8M | $7M | $8M | $9M | $11M | $11M | $11M | $11M | $12M | |
| Stock-based Comp | $6M | $5M | $5M | $4M | $5M | $3M | $2M | $4M | $5M | $3M | $3M | $3M | $4M | $4M | $3M | $3M | |
| Deferred Tax | · | · | · | · | · | · | $-24M | $3M | $-980.0K | $170.0K | $-57M | $-2M | $1M | $1M | $44M | $-2M | |
| Other Non-cash | · | $-15M | · | · | · | $-12M | · | · | · | $16M | · | · | · | $996.0K | · | · | |
| Operating Cash Flow | $-29M | $82M | $17M | $82M | $10M | $45M | $24M | $46M | $36M | $51M | $37M | $54M | $27M | $36M | $56M | $56M | |
| CapEx | $8M | $5M | $7M | $6M | $6M | $7M | $9M | $6M | $7M | $7M | $8M | $7M | $5M | $5M | $16M | $9M | |
| Investing Cash Flow | $-103M | $-27M | $-27M | $-46M | $-69M | $-100M | $-265M | $-44M | $-41M | $-91M | $-131M | $-56M | $-84M | $-131M | $-90M | $-76M | |
| Stock Repurchased | · | · | · | · | · | · | · | · | · | · | · | · | · | $26M | $10M | $26M | |
| Net Stock Activity | · | · | · | · | · | · | · | · | · | · | · | · | · | $-26M | · | $-26M | |
| Financing Cash Flow | $88M | $19M | $-6M | $-37M | $47M | $40M | $187M | $-9M | $84M | $56M | $109M | $-32M | $80M | $110M | $33M | $15M | |
| Taxes Paid | $33M | $860.0K | $15M | $11M | $28M | $1M | $6M | $19M | $41M | $2M | $18M | $14M | $36M | $908.0K | $8M | $19M | |
| Free Cash Flow | · | $77M | · | · | · | $38M | · | · | · | $44M | · | · | · | $31M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $2M | · | · | · | $-4M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Margin | 38.0% | 38.7% | · | 37.6% | 34.1% | 32.9% | · | 28.9% | 28.7% | 25.5% | · | 24.4% | 27.3% | 22.4% | · | 26.2% | |
| Net Margin | 13.0% | 18.1% | · | 16.2% | 13.3% | 11.9% | · | 8.3% | 9.1% | 7.1% | · | 6.2% | 8.1% | 6.0% | · | 10.2% | |
| Pretax Margin | 16.8% | 23.5% | · | 21.7% | 17.6% | 15.4% | · | 11.1% | 12.0% | 9.3% | · | 9.7% | 11.2% | 8.0% | · | 13.8% | |
| EBITDA Margin | 38.0% | 40.1% | · | 37.6% | 34.1% | 34.8% | · | 28.9% | 28.7% | 27.8% | · | 24.4% | 27.3% | 25.9% | · | 26.2% | |
| ROA | 1.2% | 1.7% | · | 1.5% | 1.2% | 0.97% | · | 0.63% | 0.66% | 0.50% | · | 0.43% | 0.56% | 0.40% | · | 0.71% | |
| ROE | 6.5% | 9.3% | · | 7.5% | 6.2% | 5.3% | · | 2.7% | 2.9% | 2.2% | · | 1.6% | 2.1% | 1.5% | · | 2.4% | |
| ROIC | 13.4% | 13.7% | · | 13.6% | 12.7% | 12.2% | · | 7.6% | 7.8% | 6.7% | · | 4.0% | 5.2% | 4.4% | · | 5.0% |
Liquidity & Solvency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Coverage | · | · | · | · | · | · | · | · | 1.7 | 1.5 | · | 1.5 | 1.8 | 1.5 | · | 2.0 |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.1 | 0.1 | · | 0.1 | 0.1 | 0.1 | · | 0.1 | 0.1 | 0.1 | · | 0.1 | 0.1 | 0.1 | · | 0.1 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $50.86 | $48.13 | · | $41.70 | $38.80 | $34.84 | · | $44.24 | $41.71 | $40.27 | · | $50.95 | $52.54 | $50.43 | · | $50.68 | |
| Revenue / Share | $21.58 | $21.30 | · | $19.57 | $18.75 | $16.18 | · | $15.04 | $14.74 | $13.42 | · | $12.70 | $13.30 | $12.53 | · | $11.87 | |
| Cash Flow / Share | · | $3.69 | · | · | · | $1.87 | · | · | · | $2.08 | · | · | · | $1.44 | · | · | |
| Cash / Share | $8.63 | $10.57 | · | $7.55 | $7.49 | $7.96 | · | $10.44 | $10.58 | $7.30 | · | $6.15 | $7.87 | $6.76 | · | $6.25 | |
| EPS (TTM) | $13.16 | $12.84 | · | $-1.79 | $-3.70 | $-4.85 | · | $-7.79 | $-8.26 | $-8.52 | · | $0.17 | $0.60 | $1.81 | · | $12.47 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $1.90B | $1.85B | · | $1.56B | $1.47B | $1.38B | · | $1.33B | $1.27B | $1.24B | · | $1.18B | $1.18B | $1.21B | · | $1.52B | |
| Net Income TTM | $302M | $296M | · | $-45M | $-89M | $-116M | · | $-185M | $-196M | $-202M | · | $-9M | $3M | $37M | · | $344M | |
| Market Cap | $1.98B | $1.51B | · | $954M | $894M | $806M | · | $1.12B | $989M | $1.08B | · | $1.12B | $1.14B | $1.18B | · | $1.07B | |
| P/E | 7.1 | 5.5 | · | -23.3 | -10.5 | -7.1 | · | -6.1 | -5.1 | -5.4 | · | 280.9 | 81.0 | 27.9 | · | 3.6 | |
| P/S | 1.0 | 0.8 | · | 0.6 | 0.6 | 0.6 | · | 0.8 | 0.8 | 0.9 | · | 1.0 | 1.0 | 1.0 | · | 0.7 | |
| P/B | 1.8 | 1.5 | · | 1.0 | 1.0 | 1.0 | · | 1.1 | 1.0 | 1.1 | · | 0.9 | 0.9 | 1.0 | · | 0.9 | |
| P / Tangible Book | 3.6 | 3.0 | · | 2.3 | 2.5 | 2.7 | · | 2.7 | 2.6 | 3.1 | · | 3.2 | 3.2 | 3.6 | · | 2.7 | |
| P / Cash Flow | · | 18.3 | · | · | · | 17.8 | · | · | · | 21.2 | · | · | · | 33.0 | · | · | |
| Earnings Yield | 14.1% | 18.3% | · | -4.3% | -9.6% | -14.1% | · | -16.5% | -19.8% | -18.7% | · | 0.36% | 1.2% | 3.6% | · | 27.4% |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Revenue | $1.77B | $1.32B | $1.22B | $1.40B | $1.61B |
| Operating Margin % | 35.4% | 11.9% | 1.4% | 33.1% | 39.2% |
| Net Income | $257M | $-139M | $-206M | $195M | $351M |
| Diluted EPS | $10.91 | $-5.83 | $-8.72 | $7.46 | $11.26 |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $127M | $127M | $128M | $173M | $270M |
Institutional owners (13F) 305 filers · $2.3B total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
305
Value held
$2.3B
New positions
64
Exited positions
17
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 64 (+11 vs prior Q) | 17 (-2 vs prior Q) | 94 (+14 vs prior Q) | 92 (+22 vs prior Q) | +171K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| BlackRock, Inc. | $343,228,999 | 3,679,162 | 14.66% | Shares |
| UBS Group AG | $162,817,171 | 1,745,280 | 6.96% | Call option |
| VANGUARD GROUP INC | $128,994,181 | 2,373,398 | 5.51% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $122,351,981 | 1,311,523 | 5.23% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $97,727,722 | 1,047,576 | 4.17% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $85,013,031 | 911,277 | 3.63% | Shares |
| STATE STREET CORP | $79,875,551 | 856,207 | 3.41% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $59,700,422 | 639,836 | 2.55% | Shares |
| AMERICAN CENTURY COMPANIES INC | $58,942,395 | 631,819 | 2.52% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $49,171,107 | 527,078 | 2.10% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $45,721,242 | 490,098 | 1.95% | Shares |
| Allianz Asset Management GmbH | $40,820,812 | 437,569 | 1.74% | Shares |
| JPMORGAN CHASE & CO | $40,485,855 | 436,176 | 1.73% | Shares |
| WELLINGTON MANAGEMENT GROUP LLP | $39,747,977 | 426,069 | 1.70% | Shares |
| Driehaus Capital Management LLC | $38,241,810 | 409,924 | 1.63% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $37,179,703 | 398,539 | 1.59% | Shares |
| HEARTLAND ADVISORS INC | $33,847,944 | 362,825 | 1.45% | Shares |
| GOLDMAN SACHS GROUP INC | $31,961,247 | 342,601 | 1.37% | Shares |
| FMR LLC | $31,601,938 | 338,749 | 1.35% | Shares |
| Nuveen, LLC | $31,017,993 | 332,490 | 1.33% | Shares |
| MORGAN STANLEY | $29,548,834 | 316,741 | 1.26% | Shares |
| Amundi | $28,379,004 | 304,202 | 1.21% | Shares |
| TWO SIGMA INVESTMENTS, LP | $27,359,531 | 293,274 | 1.17% | Shares |
| UBS Group AG | $25,623,592 | 274,666 | 1.09% | Shares |
| Stephens Investment Management Group LLC | $24,698,994 | 264,755 | 1.06% | Shares |
| Portolan Capital Management, LLC | $23,855,652 | 255,715 | 1.02% | Shares |
| NORTHERN TRUST CORP | $23,810,780 | 255,234 | 1.02% | Shares |
| Qube Research & Technologies Ltd | $23,450,680 | 251,374 | 1.00% | Shares |
| BARCLAYS PLC | $20,948,083 | 224,548 | 0.89% | Shares |
| D. E. Shaw & Co., Inc. | $19,897,078 | 213,282 | 0.85% | Shares |
| Invesco Ltd. | $18,227,561 | 195,386 | 0.78% | Shares |
| LAZARD ASSET MANAGEMENT LLC | $18,024,561 | 193,210 | 0.77% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $16,462,233 | 176,463 | 0.70% | Shares |
| ROYCE & ASSOCIATES LP | $16,327,616 | 175,020 | 0.70% | Shares |
| FIRST TRUST ADVISORS LP | $15,045,531 | 161,277 | 0.64% | Shares |
| Hillsdale Investment Management Inc. | $14,220,942 | 152,438 | 0.61% | Shares |
| Dana Investment Advisors, Inc. | $14,127,931 | 151,441 | 0.60% | Shares |
| WELLS FARGO & COMPANY/MN | $13,787,981 | 147,797 | 0.59% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $13,158,181 | 141,046 | 0.56% | Shares |
| Karl Kapital LLC | $13,017,313 | 139,536 | 0.56% | Shares |
| THIRD AVENUE MANAGEMENT LLC | $12,101,299 | 129,717 | 0.52% | Shares |
| Bank of New York Mellon Corp | $11,663,783 | 125,027 | 0.50% | Shares |
| HENNESSY ADVISORS INC | $10,392,506 | 111,400 | 0.44% | Shares |
| Empowered Funds, LLC | $10,280,651 | 110,201 | 0.44% | Shares |
| Clearbridge Investments, LLC | $9,997,149 | 107,162 | 0.43% | Shares |
| MILLENNIUM MANAGEMENT LLC | $9,905,252 | 106,177 | 0.42% | Shares |
| PRINCIPAL FINANCIAL GROUP INC | $9,666,151 | 103,614 | 0.41% | Shares |
| HBK INVESTMENTS L P | $9,515,580 | 102,000 | 0.41% | Put option |
| GLOBEFLEX CAPITAL L P | $8,792,023 | 94,244 | 0.38% | Shares |
| BANK OF AMERICA CORP /DE/ | $8,209,614 | 88,001 | 0.35% | Shares |
Activists & 5%+ owners 27 positions
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Red Mountain Capital Partners LLC, Red Mountain Partners, L.P., RMCP GP LLC, Red Mountain Capital Management, Inc., Willem Mesdag ×9 filings | Nov. 30, 2017 | · | Initial filing | · | SEC |
| JCF FPK I L.P., JCF Associates II-A LP, JCF Associates II-A LLC, JCF Associates II L.P., JCF Associates II Ltd., J. Christopher Flowers ×2 filings | Nov. 10, 2011 | · | Initial filing | · | SEC |
| Oct. 22, 2007 | · | Initial filing | · | SEC | |
| May 18, 2007 | · | Initial filing | · | SEC | |
| May 14, 2007 | · | Initial filing | · | SEC | |
| Undisclosed reporting person, Undisclosed reporting person | May 11, 2007 | · | Initial filing | Board campaign | SEC |
| Undisclosed reporting person, Undisclosed reporting person, Undisclosed reporting person, Undisclosed reporting person | May 11, 2007 | · | Initial filing | Board campaign | SEC |
| Undisclosed reporting person, Undisclosed reporting person | April 23, 2007 | · | Initial filing | Board campaign | SEC |
| Undisclosed reporting person, Undisclosed reporting person, Undisclosed reporting person | April 23, 2007 | · | Initial filing | Passive investment | SEC |
| Madison West Associates Corp., Triarc Companies, Inc., Nelson Peltz, Peter W. May ×7 filings | April 23, 2007 | · | Initial filing | Board campaign | SEC |
| Undisclosed reporting person, Undisclosed reporting person, Undisclosed reporting person, Undisclosed reporting person, Undisclosed reporting person | March 28, 2006 | · | Initial filing | · | SEC |
| Undisclosed reporting person, Undisclosed reporting person, Undisclosed reporting person, Undisclosed reporting person, Undisclosed reporting person | Feb. 3, 2006 | · | Initial filing | · | SEC |
| Undisclosed reporting person, Undisclosed reporting person, Undisclosed reporting person, Undisclosed reporting person, Undisclosed reporting person | July 1, 2005 | · | Initial filing | · | SEC |
| Undisclosed reporting person, Undisclosed reporting person, Undisclosed reporting person, Undisclosed reporting person, Undisclosed reporting person | May 25, 2005 | · | Initial filing | · | SEC |
| Undisclosed reporting person, Undisclosed reporting person | Jan. 25, 2005 | · | Initial filing | Capital structure | SEC |
| Undisclosed reporting person | Jan. 25, 2005 | · | Initial filing | Capital structure | SEC |
| Undisclosed reporting person, Undisclosed reporting person | Oct. 22, 2003 | · | Initial filing | · | SEC |
| Undisclosed reporting person | Sept. 29, 2003 | · | Initial filing | Capital structure | SEC |
| Undisclosed reporting person, Undisclosed reporting person | Sept. 29, 2003 | · | Initial filing | Capital structure | SEC |
| Undisclosed reporting person, Undisclosed reporting person | Sept. 3, 2003 | · | Initial filing | · | SEC |
| Undisclosed reporting person | Sept. 3, 2003 | · | Initial filing | · | SEC |
| Undisclosed reporting person, Undisclosed reporting person | Aug. 26, 2003 | · | Initial filing | · | SEC |
| Robert Michael Whyte ×2 filings | April 18, 2002 | · | Initial filing | · | SEC |
| Consolidated Press International Holdings Limited (2), C.P. International Investments Limited | April 18, 2002 | · | Initial filing | · | SEC |
| Consolidated Press International Holdings Limited, C.P. International Investments Limited | Feb. 27, 2002 | · | Initial filing | · | SEC |
| Undisclosed reporting person, Undisclosed reporting person | Aug. 31, 2001 | · | Initial filing | · | SEC |
| Undisclosed reporting person, Undisclosed reporting person | March 22, 2001 | · | Initial filing | · | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 50 insiders · 20 officers · 29 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Ashish Masih | President and CEO | March 9, 2026 F | 389,613 | 0 | 0 | $0 |
| Craig A. Buick | Cabot Credit Management CEO | March 9, 2023 F | 75,765 | 0 | 0 | $0 |
| Kenneth J Stannard | Cabot Credit Management CEO | July 24, 2019 F | 173,755 | 0 | 0 | $0 |
| Kenneth Vecchione | President & CEO | April 8, 2017 F | 240,246 | 0 | 0 | $0 |
| Brandon J Black | President & CEO | March 9, 2013 F | 13,275 | 0 | 0 | $0 |
| Tomas Cruz Hernanz | EVP, CFO & TREASURER | March 9, 2026 F | 32,573 | 0 | 0 | $0 |
| Jonathan C Clark | EVP, CFO & Treasurer | March 9, 2025 F | 185,110 | 0 | 0 | $0 |
| John Yung | President, Intl. and Cabot | June 11, 2026 S | 62,570 | 0 | 4 | $-627,180 |
| Ryan B Bell | President, MCM | March 9, 2026 F | 58,439 | 0 | 7 | $-905,185 |
| Paul Grinberg | President, International | Dec. 31, 2018 F | 165,521 | 0 | 0 | $0 |
| Andrew Eric Asch | SVP, General Counsel | June 10, 2026 S | 21,607 | 0 | 4 | $-740,640 |
| Gregory L. Call | EVP, GC, CAO & Secretary | March 9, 2022 F | 42,711 | 0 | 0 | $0 |
| Peter Reck | Chief Accounting Officer | March 9, 2022 F | 4,075 | 0 | 0 | $0 |
| James A. Syran | EVP, New Bus. Integration | March 9, 2014 F | 62,072 | 0 | 0 | $0 |
| Glen V Freter | Vice President & Controller | Aug. 23, 2007 A | 10,000 | 0 | 0 | $0 |
| George Brooker | SVP | Aug. 23, 2007 A | 23,200 | 0 | 0 | $0 |
| Robin R Pruitt | Sr. VP, General Counsel & Sec. | Aug. 23, 2007 A | 25,900 | 0 | 0 | $0 |
| Ron J Eckhardt | Executive Vice President | Aug. 2, 2005 A | · | 0 | 0 | $0 |
| Alison James | SVP | Dec. 13, 2004 M | 0 | 0 | 0 | $0 |
| John Treiman | SVP | Dec. 13, 2004 M | 0 | 0 | 0 | $0 |
| Ashwini Gupta | Director | Sept. 1, 2026 A | 105,927 | 0 | 0 | $0 |
| Robert William Beck | Director | Aug. 26, 2026 A | 1,462 | 0 | 0 | $0 |
| Knight A. Angela | Director | June 22, 2026 A | 26,475 | 0 | 0 | $0 |
| Richard P Stovsky | Director | June 22, 2026 A | 29,562 | 0 | 0 | $0 |
| Jeffrey Albert Hilzinger | Director | June 22, 2026 A | 26,475 | 0 | 0 | $0 |
| William C. Goings | Director | June 22, 2026 A | 15,144 | 0 | 0 | $0 |
| Laura Olle | Director | June 22, 2026 A | 37,168 | 0 | 1 | $-75,120 |
| MONACO MICHAEL P | Director | June 22, 2026 A | 42,256 | 0 | 0 | $0 |
| Wendy Hannam | Director | June 13, 2025 A | 42,849 | 0 | 0 | $0 |
| Richard J Srednicki | Director | June 1, 2022 A | 33,817 | 0 | 0 | $0 |
| Francis E Quinlan | Director | June 27, 2019 A | 23,577 | 0 | 0 | $0 |
| Norman R Sorensen | Director | June 27, 2019 A | 27,554 | 0 | 0 | $0 |
| John Christopher Teets | Director | June 12, 2014 A | 29,600 | 0 | 0 | $0 |
| George Lund | Director | Feb. 20, 2014 F | 14,663 | 0 | 0 | $0 |
| Ronald H Weissman | Director | June 12, 2013 A | 15,157 | 0 | 0 | $0 |
| WILCOX WARREN | Director | June 12, 2013 A | 4,238 | 0 | 0 | $0 |
| John J Oros | Director | Feb. 7, 2012 J | 22,811 | 0 | 0 | $0 |
| Richard Mandell | Director | Jan. 20, 2012 A | 1,088 | 0 | 0 | $0 |
| Timothy Hanford | Director | June 9, 2011 J | 23,214 | 0 | 0 | $0 |
| Carl C Gregory III | Director | March 10, 2009 P | 106,241 | 0 | 0 | $0 |
| Barry R Barkley | Director | Nov. 14, 2007 S | 75,125 | 0 | 0 | $0 |
| Peter W. May | Director | April 20, 2007 S | 10,000 | 0 | 0 | $0 |
| PELTZ NELSON | Director | March 21, 2006 S | 875,881 | 0 | 0 | $0 |
| Alexander Lemond | Director | Dec. 19, 2005 S | 44,381 | 0 | 0 | $0 |
| Eric D Kogan | Director | Nov. 1, 2005 A | 111,090 | 0 | 0 | $0 |
| Robert Michael Whyte | Director | Jan. 25, 2005 S | 900,897 | 0 | 0 | $0 |
| CONSOLIDATED PRESS INTERNATIONAL HOLDINGS LTD | 10% owner | April 20, 2007 S | 0 | 0 | 0 | $0 |
| CP INTERNATIONAL INVESTMENTS LTD | 10% owner | April 20, 2007 S | 0 | 0 | 0 | $0 |
| MADISON WEST ASSOCIATES CORP | 10% owner | June 29, 2005 S | 1,096,800 | 0 | 0 | $0 |
| TRIARC COMPANIES INC | 10% owner | June 29, 2005 S | 1,096,800 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 54 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| XSVM · Invesco Exchange-Traded Fund Trust | 1.06% | 65,723 SH | Oct. 2, 2026 | Daily |
| BSJR · Invesco Exchange-Traded Self-Indexe… | 0.91% | 7,794,000 | Oct. 2, 2026 | Daily |
| XSMO · Invesco Exchange-Traded Fund Trust | 0.79% | 240,037 SH | Oct. 2, 2026 | Daily |
| FYC · First Trust Exchange-Traded AlphaDE… | 0.68% | 94,072 NS | July 31, 2026 | N-PORT |
| PSCF · Invesco Exchange-Traded Fund Trust … | 0.47% | 1,370 SH | Oct. 2, 2026 | Daily |
| HAPS · Harbor ETF Trust | 0.39% | 7,076 NS | July 31, 2026 | N-PORT |
| RZV · Invesco Exchange-Traded Fund Trust | 0.37% | 10,830 SH | Oct. 2, 2026 | Daily |
| DWAS · Invesco Exchange-Traded Fund Trust … | 0.36% | 15,576 SH | Oct. 2, 2026 | Daily |
| FYX · First Trust Exchange-Traded AlphaDE… | 0.32% | 46,753 NS | July 31, 2026 | N-PORT |
| SMDX · Tidal Trust III | 0.28% | 3,824 NS | July 31, 2026 | N-PORT |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.24% | 6,820 SH | Oct. 2, 2026 | Daily |
| VIOV · VANGUARD ADMIRAL FUNDS | 0.21% | 45,494 SH | Aug. 19, 2026 | Daily |
| VFMO · VANGUARD WELLINGTON FUND | 0.15% | 32,528 SH | Aug. 19, 2026 | Daily |
| VFVA · VANGUARD WELLINGTON FUND | 0.15% | 14,017 SH | Aug. 19, 2026 | Daily |
| FAD · First Trust Exchange-Traded AlphaDE… | 0.14% | 8,521 NS | July 31, 2026 | N-PORT |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.13% | 37,219 SH | Oct. 2, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.13% | 18,463 SH | Aug. 19, 2026 | Daily |
| QVMS · Invesco Exchange-Traded Fund Trust … | 0.13% | 3,228 SH | Oct. 2, 2026 | Daily |
| RWJ · Invesco Exchange-Traded Fund Trust … | 0.12% | 24,648 SH | Oct. 2, 2026 | Daily |
| VIOO · VANGUARD ADMIRAL FUNDS | 0.11% | 74,936 SH | Aug. 19, 2026 | Daily |
| ESML · iShares Trust | 0.10% | 27,434 SH | Sept. 11, 2026 | Daily |
| IWM · iShares Trust | 0.07% | 549,552 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.06% | 10,138 NS | July 31, 2026 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.06% | 122,089 SH | Aug. 19, 2026 | Daily |
| PKW · Invesco Exchange-Traded Fund Trust | 0.06% | 9,965 SH | Oct. 2, 2026 | Daily |
| DFSV · Dimensional ETF Trust | 0.05% | 45,259 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.05% | 81,352 NS | July 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.05% | 76,594 NS | July 31, 2026 | N-PORT |
| VBR · VANGUARD INDEX FUNDS | 0.04% | 296,342 SH | Aug. 19, 2026 | Daily |
| ISCG · iShares Trust | 0.03% | 3,027 SH | Sept. 11, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.03% | 1,586 NS | July 31, 2026 | N-PORT |
| FNCL · FIDELITY COVINGTON TRUST | 0.02% | 5,343 NS | July 31, 2026 | N-PORT |
| TILT · FlexShares Trust | 0.02% | 4,740 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.02% | 246,028 SH | Aug. 19, 2026 | Daily |
| VB · VANGUARD INDEX FUNDS | 0.02% | 467,481 SH | Aug. 19, 2026 | Daily |
| VFH · VANGUARD WORLD FUND | 0.02% | 33,154 SH | Aug. 19, 2026 | Daily |
| WSML · iShares Trust | 0.02% | 1,301 SH | Sept. 11, 2026 | Daily |
| DFSU · Dimensional ETF Trust | 0.01% | 2,672 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.01% | 53,577 NS | July 31, 2026 | N-PORT |
| NEAR · iShares U.S. ETF Trust | 0.01% | 461,000 SH | Sept. 9, 2026 | Daily |
| DFUV · Dimensional ETF Trust | 0.01% | 13,325 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.01% | 2,544 NS | July 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 6,481 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 7,481 NS | July 31, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 6,691 SH | Sept. 11, 2026 | Daily |
| ITOT · iShares Trust | 0.00% | 30,978 SH | Sept. 11, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 644,326 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 1,688 SH | Aug. 19, 2026 | Daily |
| IJR · iShares Trust | · | 1,308,650 SH | Sept. 10, 2026 | Daily |
| IJS · iShares Trust | · | 191,094 SH | Sept. 8, 2026 | Daily |
| IWN · iShares Trust | · | 199,858 SH | Sept. 11, 2026 | Daily |
| XJR · iShares Trust | · | 2,961 SH | Aug. 31, 2026 | Daily |
| ISCB · iShares Trust | · | 915 SH | Sept. 11, 2026 | Daily |
| ISCV · iShares Trust | · | 2,485 SH | Sept. 11, 2026 | Daily |
ECPG Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 10 analysts
BUY
Median target
$115.00
+19.9%
2 20.0%
Strong Buy
6 60.0%
Buy
2 20.0%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
3 analysts · 2026-09-20Mean target $115.67 +20.6%
← Below all targets
Current price $95.92
Low$112.00
Mean$115.67
High$120.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| ECPG | $1.18B | 5.0 | 34.4% | 14.5% | 27.4% | · |
| DAVE | · | · | · | · | · | · |
| ENVA | $3.89B | 13.6 | 18.6% | 9.8% | 24.3% | 58.1% |
| SLM | $5.39B | 7.8 | 7.3% | 37.5% | 30.9% | · |
| BFH | $3.26B | 6.8 | · | 12.8% | 16.0% | · |
| UPST | $4.29B | 97.2 | 64.0% | 5.1% | 7.0% | · |
| EZPW | $1.16B | 13.4 | 9.7% | 8.6% | 11.7% | 58.6% |
| HAPN | · | · | · | · | · | · |
| ATLC | · | · | · | · | · | · |
| PRG | $2.42B | 8.2 | 0.42% | 6.1% | 20.8% | · |
| JCAP | $1.30B | 4.0 | 41.5% | 30.6% | 42.4% | · |
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Source: SEC 10-Q filed Aug 5, 2026