ECPG

Encore Capital Group Inc

ECPG.US encorecapital.com + Research + Basket
CIK 0001084961
Employees 7,350
Phone 877 345 3002
Fiscal year end December
IPO Jun 30, 1999
Address 350 Camino De La Reina, San Diego, CA, United States, 92108
100.63
-1.73 (-1.69%)
USD · NASDAQ
52-week range
41.06
105.98
Trading at 92% of the 52-week range
Market Cap
2.17B
P/E Ratio
7.79
Forward P/E
5.54
Book Value
50.86
Div. Yield
N/A
% Institutions
109.84%
% Insiders
3.90%

1 Year

+143.4%

3 Year

+168.7%

10 Year

+415.7%
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.

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People

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Directors & Officers

Name Title Year Born
Mr. Ashish Masih President, CEO & Director 1965
Mr. Tomas C. Hernanz Executive VP, Treasurer & CFO 1978
Mr. Andrew E. Asch J.D. Senior VP, General Counsel, Government Affairs & Corporate Secretary 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
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
Mr. Mike Merle Senior VP & Chief Human Resources Officer NA

Insider Trading

Open insider trading
Date Insider Name Title Transaction Type Shares Price Value SEC
Mar 03, 2026 Ryan B Bell N/A Sale 260.00 $68.62 $17.84K SEC
Mar 02, 2026 Ryan B Bell N/A Sale 7.24K $69.04 $499.85K SEC
Dec 10, 2025 Ryan B Bell N/A Sale 2.50K $55.00 $137.50K SEC
Dec 03, 2025 Laura Olle N/A Sale 1.42K $52.79 $75.12K SEC
Nov 26, 2025 John Yung N/A Sale 1.00K $52.00 $52.00K SEC

Shareholders

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Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
BlackRock Inc 3.68M Jun 30, 2026 17.35% $0.01 -5.50%
Vanguard Portfolio Management, LLC 1.31M Jun 30, 2026 6.18% $0.01 5.54%
Dimensional Fund Advisors, Inc. 1.05M Jun 30, 2026 4.94% $0.02 4.03%
Vanguard Capital Management, LLC 911.28K Jun 30, 2026 4.30% $0.00 -2.65%
State Street Corp 856.21K Jun 30, 2026 4.04% $0.00 0.79%
Geode Capital Management, LLC 639.84K Jun 30, 2026 3.02% $0.00 2.77%
American Century Companies Inc 631.82K Jun 30, 2026 2.98% $0.03 283.31%
Arrowstreet Capital Limited Partnership 527.08K Jun 30, 2026 2.49% $0.02 57.80%
AQR Capital Management LLC 490.10K Jun 30, 2026 2.31% $0.02 5.78%
Allianz Asset Management AG 437.57K Jun 30, 2026 2.06% $0.03 17.11%
JPMorgan Chase & Co 436.18K Jun 30, 2026 2.06% $0.00 -2.95%
Wellington Management Company LLP 426.07K Jun 30, 2026 2.01% $0.01 -28.32%
Driehaus Capital Management LLC 409.92K Jun 30, 2026 1.93% $0.22 0.00%
Charles Schwab Investment Management Inc 398.54K Jun 30, 2026 1.88% $0.01 -10.86%
Heartland Advisors Inc 362.83K Jun 30, 2026 1.71% $1.51 -6.59%
The Goldman Sachs Group Inc 342.60K Jun 30, 2026 1.62% $0.00 -50.34%
FMR Inc 338.75K Jun 30, 2026 1.60% $0.00 8.25%
Nuveen, LLC 332.49K Jun 30, 2026 1.57% $0.01 0.47%
Morgan Stanley - Brokerage Accounts 316.74K Jun 30, 2026 1.49% $0.00 -0.83%
Amundi 304.20K Jun 30, 2026 1.43% $0.01 3,134.13%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 iShares Core S&P Small-Cap ETF 1.26M 5.95% ▲ 0.02% Sep 30, 2026
2 Vanguard MStar Total Stk Mkt Idx Invest 644.33K 3.04% ▲ 0.00% Sep 30, 2026
3 Avantis US Small Cap Value ETF 637.73K 3.01% ▲ 0.18% Sep 30, 2026
4 iShares Russell 2000 ETF 563.42K 2.66% ▲ 0.25% Sep 30, 2026
5 Vanguard Small Cap Index 453.72K 2.14% ▼ 3.14% Sep 30, 2026
6 Fidelity Enhanced Small Cap Core ETF 345.12K 1.63% ▲ 0.21% Sep 30, 2026
7 Heartland Value Investor 300.00K 1.41% ▲ 0.00% Sep 30, 2026
8 Vanguard MStar Small Cap Value Index 295.11K 1.39% ▼ 0.85% Sep 30, 2026
9 Strategic Advisers U.S. Total Stock 270.14K 1.27% ▲ 9.69% Aug 31, 2026
10 Invesco S&P SmallCap Momentum ETF 240.11K 1.13% ▲ 0.00% Sep 30, 2026

Financial Highlights

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Market Cap: $2.17B
EBITDA: $745.54M
P/E Ratio: $7.79
PEG Ratio: $0.17
Book Value: $50.86
Earnings/Share: $13.14
Profit Margin: 15.86%
Operating Margin: 38.00%
ROA (TTM): 8.34%
ROE (TTM): 30.54%
Revenue (TTM): $1.90B
Revenue/Share (TTM): $85.61
Earnings Growth (YOY): 12.90%
Revenue Growth (YOY): 11.30%

Valuation Metrics

Enterprise Value: $6.16B
Trailing P/E: 7.79
Forward P/E: 5.54

Shares Statistics

Shares Outstanding: 21.21M
Shares Float: 20.57M
% Insiders: 3.90%
% Institutions: 109.84%
Shares Short: 940.49K
Shares Short (Prior Month): 1.06M
Short Ratio: 3.29
Short % Float: 5.50%

Stock Price History

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1 Year Price History

3 Years Price History

10 Years Price History

Max Price History

Financial Charts

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Open balance sheet Open capital intensity Download Financials (Excel)

Revenue, Net Income & Operating Cash Flow (Yearly)

Change % vs Prior Year

Revenue, Net Income & Operating Cash Flow (Quarterly)

Change % vs Prior Quarter

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Income Statement Waterfall

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Open full waterfall Open balance sheet
Line Item
Step Type
Value
Revenue
adjust
$1.76B
Cost of Goods Sold
adjust
$-546.73M
Gross Profit
subtotal
$1.22B
SG&A
adjust
$-165.95M
Other Operating Expense
adjust
$-426.27M
Operating Income
subtotal
$623.56M
Other / Non-Operating Items
adjust
$-366.73M
Net Income
subtotal
$256.83M

Earnings Per Share (EPS) History

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Financial Ratios

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📦 Raw API Data (JSON Explorer)

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