ENCORE CAPITAL GROUP INC
ECPGNasdaq
$91.33
↓ -1.1%Jul 17 close · end-of-day
Price
1Y↑ +138.9%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$2.0B
Enterprise Value
$1.8B
P/E
7.1
P/S
1.1
P/B
2.0
EV/EBITDA
2.6
PEG
0.5
FCF Yield
8.2%
Dividend Yield
—
Revenue (TTM)
$1.9B
Net Income (TTM)
$296.4M
Free Cash Flow (TTM)
$166.1M
Gross Margin
—
Operating Margin
36.8%
Net Margin
16.0%
ROE
28.6%
ROIC
64.5%
Debt / Equity
—
Net Cash
$227.2M
Return 1Y
+133.8%
Company profile
Encore Capital Group, Inc. provides debt recovery solutions and other related services for consumers. The company was incorporated in 1999 and is headquartered in San Diego, California.
- CEO
- Ashish Masih
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Employees
- 6,900
- Headquarters
- California
- Website
- encorecapital.com
Management & directors
- Yung JohnPresident, Intl. and Cabot
- Asch Andrew EricSVP, General Counsel
- Bell Ryan BPresident, MCM
- Hernanz Tomas CruzEVP, CFO & TREASURER
- Masih AshishPresident and CEO
Roles derived from SEC Form 4 filings.
Earnings
ECPG Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue$475.4M↑ +21.0%
Diluted EPS$3.86↑ +100.0%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | $1.5B | $1.6B | $1.4B | $1.2B | $1.3B | $1.8B |
| Gross profit | — | — | — | — | — | — |
| Operating income | $533.6M | $633.3M | $462.2M | $16.5M | $157.3M | $626.6M |
| Net income | $211.8M | $351.0M | $195.0M | -$206.0M | -$139.0M | $257.0M |
| Diluted EPS | $6.68 | $11.26 | $7.46 | -$8.72 | -$5.83 | $10.91 |
| Operating cash flow | $312.9M | $303.1M | $210.7M | $153.0M | $156.2M | $153.2M |
| Free cash flow | $278.3M | $269.7M | $173.5M | $128.2M | $127.2M | $126.9M |
| Gross margin | — | — | — | — | — | — |
| Operating margin | 35.5% | 39.2% | 33.1% | 1.4% | 12.0% | 35.4% |
| Net margin | 14.1% | 21.7% | 13.9% | -16.8% | -10.6% | 14.5% |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $355.3M | $367.1M | $265.6M | $392.8M | $442.1M | $460.4M | $473.6M | $475.4M |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | $101.8M | $106.1M | -$134.2M | $129.3M | $150.7M | $173.2M | $173.4M | $184.0M |
| Net income | $32.2M | $30.6M | -$225.1M | $46.8M | $58.7M | $74.7M | $76.8M | $86.2M |
| Diluted EPS | $1.34 | $1.26 | -$9.38 | $1.93 | $2.49 | $3.17 | $3.32 | $3.86 |
| Operating cash flow | $35.7M | $45.9M | $23.5M | $45.3M | $9.5M | $81.6M | $16.8M | $82.3M |
| Free cash flow | $28.3M | $39.7M | $15.0M | $38.3M | $3.2M | $75.6M | $9.9M | $77.5M |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | 28.7% | 28.9% | -50.5% | 32.9% | 34.1% | 37.6% | 36.6% | 38.7% |
| Net margin | 9.1% | 8.3% | -84.7% | 11.9% | 13.3% | 16.2% | 16.2% | 18.1% |
Company news
Jul 3, 2026
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-06-22 | Angela A. Knight | Award | 2,144 | $83.95 | $179,988.80 | filing |
| 2026-06-22 | Goings William C. | Award | 2,144 | $83.95 | $179,988.80 | filing |
| 2026-06-22 | MONACO MICHAEL P | Award | 2,144 | $83.95 | $179,988.80 | filing |
| 2026-06-22 | Stovsky Richard P | Award | 2,144 | $83.95 | $179,988.80 | filing |
| 2026-06-22 | Hilzinger Jeffrey Albert | Award | 2,144 | $83.95 | $179,988.80 | filing |
| 2026-06-22 | Gupta Ashwini | Award | 2,144 | $83.95 | $179,988.80 | filing |
| 2026-06-22 | OLLE LAURA | Award | 2,144 | $0.00 | $0.00 | filing |
| 2026-06-11 | Yung John· President, Intl. and Cabot | Sale | 2,000 | $80.51 | $161,020.00 | filing |
| 2026-06-10 | Yung John· President, Intl. and Cabot | Sale | 2,000 | $82.08 | $164,160.00 | filing |
| 2026-06-10 | Asch Andrew Eric· SVP, General Counsel | Sale | 774 | $82.08 | $63,529.92 | filing |
| 2026-06-09 | Asch Andrew Eric· SVP, General Counsel | Sale | 6,922 | $81.52 | $564,281.44 | filing |
| 2026-06-09 | Asch Andrew Eric· SVP, General Counsel | Sale | 833 | $80.51 | $67,064.83 | filing |
| 2026-06-09 | Asch Andrew Eric· SVP, General Counsel | Sale | 556 | $82.31 | $45,764.36 | filing |
| 2026-06-01 | Gupta Ashwini | Award | 340 | $78.56 | $26,710.40 | filing |
| 2026-03-09 | Masih Ashish· President and CEO | Tax withholding | 25,658 | $68.19 | $1.7M | filing |
| 2026-03-09 | Bell Ryan B· President, MCM | Tax withholding | 7,899 | $68.19 | $538,632.81 | filing |
| 2026-03-09 | Yung John· President, Intl. and Cabot | Tax withholding | 5,677 | $68.19 | $387,114.63 | filing |
| 2026-03-09 | Hernanz Tomas Cruz· EVP, CFO & TREASURER | Tax withholding | 4,148 | $68.19 | $282,852.12 | filing |
| 2026-03-09 | Asch Andrew Eric· SVP, General Counsel | Tax withholding | 4,068 | $68.19 | $277,396.92 | filing |
| 2026-03-09 | Bell Ryan B· President, MCM | Award | 5,130 | $0.00 | $0.00 | filing |
| 2026-03-09 | Asch Andrew Eric· SVP, General Counsel | Award | 5,682 | $0.00 | $0.00 | filing |
| 2026-03-09 | Asch Andrew Eric· SVP, General Counsel | Award | 1,945 | $0.00 | $0.00 | filing |
| 2026-03-09 | Asch Andrew Eric· SVP, General Counsel | Award | 2,914 | $0.00 | $0.00 | filing |
| 2026-03-09 | Hernanz Tomas Cruz· EVP, CFO & TREASURER | Award | 8,065 | $0.00 | $0.00 | filing |
| 2026-03-09 | Hernanz Tomas Cruz· EVP, CFO & TREASURER | Award | 4,430 | $0.00 | $0.00 | filing |
Showing the latest 25 transactions — full history in the linked SEC filings.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.