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Encore Capital Group, Inc. (ECPG)

Profile

Full Name

Encore Capital Group, Inc.

Ticker

NASDAQ: ECPG

Exchange

NASDAQ

Sector

Financial Services

Industry

Credit Services

Country

United States

IPO

July 9, 1999

Indexes

Not included

Website

http://www.encorecapital.com

Employees

7350

Key Details

Price

$39.04(-5.08%)

Market cap

$911.55M(Small cap)

Last Dividend

-

TTM Dividend yield

-

Annual revenue

$1.32B(+7.66% YoY)

Annual EPS

-$5.83(+33.14% YoY)

PE ratio

-

Next earnings date

Aug 6, 2025

Next ex-dividend date

N/A

Next split date

N/A

Quick Search

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    Analyst ratings

    Price

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    Current Price

    $39.04
    ECPG price is $39.04

    30-Day Relative Volume

    1.41
    ECPG 30-day relative volume is 1.41

    Price Performance

    Price Most recent change

    -5.08%
    ECPG price was down -5.08% on Jul 11, 2025

    Price YTD change

    -18.28%
    ECPG price is down -18.28% since January 1st

    Price 1-year change

    -12.68%
    ECPG price is down -12.68% year-on-year

    Price 3-year change

    -35.18%
    ECPG price is down -35.18% over the past 3 years

    Price Range

    Price All-time high

    $72.73
    ECPG price is currently -46.32% below its historical high of $72.73

    Price 3-year low

    $26.45
    ECPG price is currently +47.60% above its 3-year low

    Capitalization

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    Market cap

    Market cap

    $911.55M
    ECPG market capitalization is $911.55 million

    Market cap 3-year change

    -36.91%
    ECPG market capitalization is down -36.91% over the past 3 years

    Market cap All-time high

    $1.78B
    ECPG market capitalization is currently -48.73% below its historical high of $1.78 billion

    Market cap sector rank

    57.45%
    ECPG market capitalization is higher than 57.45% of companies in Financial Services sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    -1.44%
    ECPG shares outstanding is down -1.44% year-on-year

    Shares Outstanding 3-Year Change

    -2.67%
    ECPG shares outstanding is down -2.67% over the past 3 years

    Technical Indicators

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    Beta

    1.43
    ECPG beta is 1.43

    200-day SMA

    $42.54
    ECPG price is currently -8.22% below its 200-day simple moving average

    50-day SMA

    $38.71
    ECPG price is currently +0.86% above its 50-day simple moving average

    RSI

    48.17
    ECPG 14-day relative strength index is 48.17

    Volume

    1.41
    ECPG 30-day relative volume is 1.41

    ATR

    $1.17
    ECPG average true range is $1.17

    10-day Historical Volatility

    38.79%
    ECPG 10-day historical volatility is 38.79%

    Dividend

    Income Statement

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    Revenue

    Revenue

    $1.32B
    ECPG annual revenue is $1.32 billion

    Revenue Analysts estimate

    $1.57B
    ECPG annual revenue is currently -16.19% lower than the consensus analysts' forecast

    Revenue 1-year change

    +7.66%
    ECPG annual revenue is up +7.66% year-on-year

    Revenue Sector rank

    79.62%
    ECPG annual revenue is higher than 79.62% of companies in Financial Services sector

    EPS

    EPS

    -$5.83
    ECPG annual earnings per share is -$5.83

    EPS Analysts estimate

    $6.52
    ECPG annual earnings per share is currently -189.42% lower than the consensus analysts' forecast

    EPS 1-year change

    +33.14%
    ECPG annual earnings per share is up +33.14% year-on-year

    EPS Sector rank

    1.91%
    ECPG annual earnings per share is higher than 1.91% of companies in Financial Services sector

    Profit

    Gross profit

    $603.56M
    ECPG annual gross profit is $603.56 million

    Gross margin

    45.85%
    ECPG annual gross profit margin is 45.85%

    Operating profit

    $276.47M
    ECPG annual operating income is $276.47 million

    Operating margin

    21.00%
    ECPG annual operating profit margin is 21.00%

    Net income

    -$139.24M
    ECPG annual net profit is -$139.24 million

    Net margin

    -10.58%
    ECPG annual net profit margin is -10.58%

    Expenses

    Total expenses

    $1.04B
    ECPG annual total expenses is $1.04 billion

    Operating expenses

    $327.08M
    ECPG annual total operating expenses is $327.08 million

    Cost of goods sold

    $712.80M
    ECPG annual cost of goods sold is $712.80 million

    Selling, general & administrative expenses

    $163.85M
    ECPG annual SGA is $163.85 million

    Depreciation and amortization

    $32.43M
    ECPG annual depreciation & amortization is $32.43 million

    Interest expense

    $237.78M
    ECPG annual interest expense is $237.78 million

    Income tax

    $43.03M
    ECPG annual income tax is $43.03 million

    EBIT & EBITDA

    EBIT

    $156.33M
    ECPG annual earnings before interest & taxes is $156.33 million

    EBITDA

    $188.76M
    ECPG annual EBITDA is $188.76 million

    Balance Sheet

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    Assets

    Total assets

    $4.79B
    ECPG annual total assets is $4.79 billion

    Non current assets

    $4.54B
    ECPG annual long term assets is $4.54 billion

    Current assets

    $245.87M
    ECPG annual total current assets is $245.87 million

    Cash and cash equivalents

    $199.87M
    ECPG annual cash & cash equivalents is $199.87 million

    Accounts receivable

    -
    ECPG annual accounts receivable value is unknown

    Inventory

    -
    ECPG annual inventory value is unknown

    Liabilities

    Total liabilities

    $4.02B
    ECPG annual total liabilities is $4.02 billion

    Long term liabilities

    $3.79B
    ECPG annual total long term liabilities is $3.79 billion

    Current liabilities

    $233.54M
    ECPG annual total current liabilities is $233.54 million

    Accounts payable

    -
    ECPG annual accounts payable value is unknown

    Debt

    Total debt

    $3.67B
    ECPG annual total debt is $3.67 billion

    Total debt 1-year change

    +10.69%
    ECPG annual total debt is up +10.69% year-on-year

    Long term debt

    $3.67B
    ECPG annual long term debt is $3.67 billion

    Short term debt

    $0.00
    ECPG annual short term debt is $0.00

    Equity & Capital

    Shareholders equity

    $767.33M
    ECPG annual stockholders equity is $767.33 million

    Book value

    $767.33M
    ECPG annual book value is $767.33 million

    Retained earnings

    $909.93M
    ECPG annual retained earnings is $909.93 million

    Working capital

    $12.32M
    ECPG annual working capital is $12.32 million

    Cash Flow Statement

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    Cashflow Activities

    Cash from operations

    $156.17M
    ECPG annual cash flow from operations is $156.17 million

    Cash from operations 1-year change

    +2.08%
    ECPG annual cash flow from operations is up +2.08% year-on-year

    Cash from investing

    -$440.43M
    ECPG annual cash flow from investing activities is -$440.43 million

    Cash from investing 1-year change

    -9.58%
    ECPG annual cash flow from investing activities is down -9.58% year-on-year

    Cash from financing

    $317.77M
    ECPG annual cash flow from financing activities is $317.77 million

    Cash from financing 1-year change

    +18.44%
    ECPG annual cash flow from financing activities is up +18.44% year-on-year

    CAPEX

    CAPEX

    $29.22M
    ECPG annual capital expenditures is $29.22 million

    CAPEX 1-year change

    -43.49%
    ECPG annual capital expenditures is down -43.49% year-on-year

    Free Cash Flow

    Free cash flow

    $126.95M
    ECPG annual free cash flow is $126.95 million

    Free cash flow 1-year change

    +25.34%
    ECPG annual free cash flow is up +25.34% year-on-year

    Profitability Ratios

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    Margins

    Gross margin

    45.85%
    ECPG annual gross profit margin is 45.85%

    Operating margin

    21.00%
    ECPG annual operating profit margin is 21.00%

    Net margin

    -10.58%
    ECPG annual net profit margin is -10.58%

    ROA & ROE

    ROA

    -2.96%
    ECPG annual return on assets is -2.96%

    ROE

    -16.34%
    ECPG annual return on equity is -16.34%

    Valuation

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    PE Ratio

    PE ratio

    -
    ECPG price to earnings ratio value is unknown

    PE ratio Sector rank

    -
    ECPG price to earnings ratio is unknown

    PB Ratio

    PB ratio

    1.11
    ECPG price to book ratio is 1.11

    PB ratio Sector rank

    41.54%
    ECPG price to book ratio is higher than 41.54% of companies in Financial Services sector

    PS Ratio

    PS ratio

    0.66
    ECPG price to sales ratio is 0.66

    PS ratio Sector rank

    8.58%
    ECPG price to sales ratio is higher than 8.58% of companies in Financial Services sector

    Enterprise value

    Enterprise value

    $4.52B
    ECPG enterprise value is $4.52 billion

    Enterprise value Sector rank

    75.25%
    ECPG enterprise value is higher than 75.25% of companies in Financial Services sector

    EV/EBITDA

    EV/EBITDA

    20.69
    ECPG EV/EBITDA is 20.69

    EV/EBITDA Sector rank

    92.76%
    ECPG EV/EBITDA is higher than 92.76% of companies in Financial Services sector

    Financial Health

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    Liquidity

    Current ratio

    1.05
    ECPG annual current ratio is 1.05

    Quick ratio

    -
    ECPG annual quick ratio value is unknown

    Leverage

    Debt to equity

    4.79
    ECPG annual debt to equity ratio is 4.79

    Interest coverage ratio

    0.66
    ECPG annual interest coverage ratio is 0.66

    Risk & Stability

    Piotroski F-Score

    6
    ECPG piotroski f-score is 6

    Altman Z-Score

    0.79
    ECPG altman z-score is 0.79

    Analyst ratings

    Recent major analysts updates

    Feb 27, 25 Truist Securities
    Buy
    Dec 23, 24 Northland Capital Markets
    Outperform
    Nov 7, 24 JMP Securities
    Market Outperform
    Oct 17, 24 Northland Capital Markets
    Outperform
    Oct 14, 24 JMP Securities
    Market Outperform
    Aug 20, 24 Truist Securities
    Buy
    May 6, 24 JMP Securities
    Market Outperform
    Apr 17, 24 JMP Securities
    Market Outperform
    Nov 6, 23 JMP Securities
    Market Outperform
    Sep 21, 23 Truist Securities
    Buy

    Institutional Ownership

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    • What is the ticker symbol for Encore Capital Group, Inc.?
    • Does Encore Capital Group, Inc. pay dividends?
    • What sector is Encore Capital Group, Inc. in?
    • What industry is Encore Capital Group, Inc. in?
    • What country is Encore Capital Group, Inc. based in?
    • When did Encore Capital Group, Inc. go public?
    • Is Encore Capital Group, Inc. in the S&P 500?
    • Is Encore Capital Group, Inc. in the NASDAQ 100?
    • Is Encore Capital Group, Inc. in the Dow Jones?
    • When was Encore Capital Group, Inc.'s last earnings report?
    • When does Encore Capital Group, Inc. report earnings?

    What is the ticker symbol for Encore Capital Group, Inc.?

    The ticker symbol for Encore Capital Group, Inc. is NASDAQ:ECPG

    Does Encore Capital Group, Inc. pay dividends?

    No, Encore Capital Group, Inc. does not pay dividends

    What sector is Encore Capital Group, Inc. in?

    Encore Capital Group, Inc. is in the Financial Services sector

    What industry is Encore Capital Group, Inc. in?

    Encore Capital Group, Inc. is in the Credit Services industry

    What country is Encore Capital Group, Inc. based in?

    Encore Capital Group, Inc. is headquartered in United States

    When did Encore Capital Group, Inc. go public?

    Encore Capital Group, Inc.'s initial public offering (IPO) was on July 9, 1999

    Is Encore Capital Group, Inc. in the S&P 500?

    No, Encore Capital Group, Inc. is not included in the S&P 500 index

    Is Encore Capital Group, Inc. in the NASDAQ 100?

    No, Encore Capital Group, Inc. is not included in the NASDAQ 100 index

    Is Encore Capital Group, Inc. in the Dow Jones?

    No, Encore Capital Group, Inc. is not included in the Dow Jones index

    When was Encore Capital Group, Inc.'s last earnings report?

    Encore Capital Group, Inc.'s most recent earnings report was on May 7, 2025

    When does Encore Capital Group, Inc. report earnings?

    The next expected earnings date for Encore Capital Group, Inc. is August 6, 2025
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