Stock Fundamentals

Company Information

Company Name
Encore Capital Group Inc
Sector
Financial Services
Industry
Credit Services
Exchange
NASDAQ
ISIN: US2925541029
CIK: 0001084961
CUSIP: 55269B105
Currency: USD
Full Time Employees: 7,350
Phone: 877-345-3002
Fiscal Year End: December
IPO Date: Jun 30, 1999
Description:

Encore Capital Group, Inc., a specialty finance company, provides debt recovery solutions and other related services for consumers across financial assets worldwide. The company purchases portfolios of defaulted consumer receivables at discounts to face value, as well as manages them by working with individuals as they repay their obligations and works toward financial recovery. It is also involved in the provision of debt servicing, such as early stage collection, business process outsourcing, and contingent collection services. In addition, the company engages in debt servicing and other portfolio management services to credit originator for non-performing loans. Further, it offers credit management services. Encore Capital Group, Inc. was incorporated in 1999 and is headquartered in San Diego, California.

Address:

350 Camino De La Reina, San Diego, CA, United States, 92108

Directors & Officers

Name Title Year Born
Mr. Ashish Masih President, CEO & Director 1965
Mr. Andrew E. Asch J.D. Senior VP, General Counsel & Government Affairs 1974
Mr. Ryan B. Bell President of Midland Credit Management, Inc. 1979
Mr. John Yung President of International & Cabot Credit Management and CEO of Cabot Credit Management 1965
Mr. Tomas Hernanz Executive VP, Treasurer & CFO 1978
Ms. Monique Dumais-Chrisope Senior VP & Chief Information Officer NA
Mr. Bruce Thomas Vice President of Global Investor Relations NA
Mr. Steve Carmichael Senior VP and Chief Risk, Strategy & Compliance Officer NA
Faryar Borhani VP & Chief Communications Officer NA
Ms. Tracy Ting Senior VP & Chief Human Resources Officer NA

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
BlackRock Inc 3.98M Sep 30, 2025 18.58% $0.00 -1.18%
Vanguard Group Inc 2.37M Dec 31, 2025 11.09% $0.00 -3.30%
Turtle Creek Asset Management Inc. 1.95M Sep 30, 2025 9.10% $2.45 -4.51%
Stephens Inv Mgmt Group LLC 1.31M Dec 31, 2025 6.10% $0.92 -0.20%
Dimensional Fund Advisors, Inc. 1.09M Dec 31, 2025 5.08% $0.01 -14.35%
State Street Corp 889.60K Sep 30, 2025 4.16% $0.00 -1.01%
The Goldman Sachs Group Inc 798.91K Sep 30, 2025 3.73% $0.00 39.90%
Wellington Management Company LLP 727.98K Dec 31, 2025 3.40% $0.01 -2.57%
UBS Group AG 706.74K Sep 30, 2025 3.30% $0.00 4.15%
Geode Capital Management, LLC 570.84K Sep 30, 2025 2.67% $0.00 -2.11%
D. E. Shaw & Co LP 566.96K Dec 31, 2025 2.65% $0.02 44.32%
Charles Schwab Investment Management Inc 469.81K Dec 31, 2025 2.19% $0.00 -5.01%
Heartland Advisors Inc 350.85K Sep 30, 2025 1.64% $0.77 17.68%
Barclays PLC 332.70K Sep 30, 2025 1.55% $0.00 11.14%
FMR Inc 319.25K Dec 31, 2025 1.49% $0.00 22.69%
Nuveen, LLC 274.44K Sep 30, 2025 1.28% $0.00 53.16%
Allianz Asset Management AG 274.32K Sep 30, 2025 1.28% $0.01 16.53%
Northern Trust Corp 264.63K Sep 30, 2025 1.24% $0.00 -2.69%
Morgan Stanley - Brokerage Accounts 239.01K Sep 30, 2025 1.12% $0.00 -3.61%
AQR Capital Management LLC 231.77K Sep 30, 2025 1.08% $0.01 95.31%

Shares Statistics

Shares Outstanding: 22.30M
Shares Float: 20.81M
% Insiders: 382.20%
% Institutions: 10,655.90%
Short % Float: 6.96%

🏆 Top 10 Institutional Holders

Rank Holder Name Shares Held % of Shares Change Date Reported
1 BlackRock Inc 3.98M 18.58% ▼ 1.18% Sep 30, 2025
2 Vanguard Group Inc 2.37M 11.09% ▼ 3.30% Dec 31, 2025
3 Turtle Creek Asset Management Inc. 1.95M 9.10% ▼ 4.51% Sep 30, 2025
4 Stephens Inv Mgmt Group LLC 1.31M 6.10% ▼ 0.20% Dec 31, 2025
5 Dimensional Fund Advisors, Inc. 1.09M 5.08% ▼ 14.35% Dec 31, 2025
6 State Street Corp 889.60K 4.16% ▼ 1.01% Sep 30, 2025
7 The Goldman Sachs Group Inc 798.91K 3.73% ▲ 39.90% Sep 30, 2025
8 Wellington Management Company LLP 727.98K 3.40% ▼ 2.57% Dec 31, 2025
9 UBS Group AG 706.74K 3.30% ▲ 4.15% Sep 30, 2025
10 Geode Capital Management, LLC 570.84K 2.67% ▼ 2.11% Sep 30, 2025

Valuation Metrics

Enterprise Value: $5.28B
Trailing P/E: 0.00
Forward P/E: 5.54

Financial Highlights

Market Cap: $1.57B
EBITDA: $869.32M
PEG Ratio: $0.17
Book Value: $45.04
Earnings/Share: $-1.80
Profit Margin: 14.52%
Operating Margin: 81.79%
ROA (TTM): 10.37%
ROE (TTM): 29.45%
Revenue (TTM): $1.77B
Revenue/Share (TTM): $76.13
Earnings Growth (YOY): 151.60%
Revenue Growth (YOY): 78.30%

Stock Price History

1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Download Financials (Excel)

Financial Charts

Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

Financial Ratios (Yearly)

Financial Ratios (Quarterly)

Earnings History

Balance Sheet (Yearly)

Financial Ratios

Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2025-12-31 14,106.90x 0.00x 0.82x 2.17x 0.00x
2024-12-31 1.05x 4.79x 0.84x 0.62x 21.10x
2023-12-31 0.95x 3.04x 0.80x 0.08x 44.91x
2022-12-31 0.78x 1.59x 0.74x 3.01x 3.67x
2021-12-31 0.35x 2.21x 0.74x 3.73x 4.00x
2020-12-31 0.33x 2.42x 0.75x 2.55x 5.50x
2019-12-31 0.86x 4.64x 0.79x 2.05x 10.32x
2018-12-31 0.55x 5.74x 0.82x 1.71x 10.80x
2017-12-31 0.74x 7.58x 0.84x 1.59x 11.74x
2016-12-31 0.64x 6.20x 0.84x 1.30x 12.54x
2015-12-31 1.56x 6.29x 0.85x 1.62x 12.39x
2014-12-31 1.65x 5.32x 0.82x 1.95x 10.29x
2013-12-31 2.47x 4.08x 0.78x 2.89x 11.50x
2012-12-31 0.38x 2.31x 0.65x 6.66x 5.88x
2011-12-31 0.38x 1.04x 0.54x 6.23x 3.15x
2010-12-31 0.54x 1.26x 0.59x 5.34x 3.96x
2009-12-31 12.02x 1.09x 0.59x 4.12x 3.64x
2008-12-31 13.00x 1.59x 0.64x 1.90x 6.62x
2007-12-31 17.13x 1.59x 0.65x 3.75x 4.80x
2006-12-31 9.83x 1.32x 0.62x 2.31x 2.60x
2005-12-31 6.11x 1.54x 0.67x 2.57x 2.08x
2004-12-31 4.99x 1.39x 0.52x 2.08x 1.76x
2003-12-31 5.14x 0.58x 0.48x 2.08x 0.90x
2002-12-31 3.41x 2.46x 0.78x 1.48x 1.56x
2001-12-31 0.88x -59.23x 1.03x N/A 27.36x
2000-12-31 1.04x 10.80x 0.86x N/A -5.57x
1999-12-31 7.61x 0.00x 0.67x N/A 0.00x
1998-12-31 5.90x 0.00x 0.60x N/A 0.00x

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Dec 10, 2025 Ryan B Bell N/A Sale 2.50K $55.00 $137.50K
Dec 03, 2025 Laura Olle N/A Sale 1.42K $52.79 $75.12K
Nov 26, 2025 John Yung N/A Sale 1.00K $52.00 $52.00K
Mar 05, 2025 Ashish Masih N/A Purchase 20.00K $35.14 $702.80K
Mar 05, 2025 Ashwini Gupta N/A Purchase 40.00K $35.10 $1.40M

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