Encore Capital Group
ECPG
99.27
+0.08
+0.08%
Encore Capital Group
US · ECPG
#2751 by market cap
Listed 1970
99.27
+0.08
+0.08%
Live - 5344 symbols - heartbeat 79s ago
· 2026-10-08 07:58
Pre-market
99.27
0.00%
After-hours
99.27
0.00%
- Market cap
- 2.11B
- P/E (TTM)i
- 7.54
- P/Bi
- 1.95
- EPSi
- 10.91
- Div yieldi
- 0.00%
- 52W posi
- 91%
Reader sentiment
Are you bullish or bearish on ECPG?
Anonymous reader poll. Unscientific, not investment advice.
✦ Quant Financial Health how this is computed
Weak
- Altman Z-Score is 1.30, below the 1.8 "distress zone" threshold.
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Revenue annual, last 8 years
Latest year +34.37% YoY
Margins
- Gross margin
- 54.60%
- Operating margin
- 35.43%
- Net margin
- 14.52%
Key ratios & quality
- PEG ratioi
- 0.78
- Altman Z-Scorei
- 1.30
PEG uses trailing P/E against the 3-year net income growth rate (9.70%/yr) since forward earnings estimates aren't available here, so this is not a "forward PEG." Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
Income statement
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 1.36B | 1.40B | 1.50B | 1.61B | 1.40B | 1.22B | 1.32B | 1.77B |
| Gross profit | 739.81M | 754.78M | 834.40M | 927.98M | 769.70M | 571.24M | 603.56M | 965.83M |
| Selling & admin expenses | 158.35M | 148.26M | 149.11M | 137.70M | 145.80M | 144.86M | 163.85M | 165.95M |
| Research & development | -- | -- | -- | -- | -- | -- | -- | -- |
| Operating profit | 405.30M | 457.06M | 533.56M | 633.27M | 466.25M | 273.46M | 276.47M | 626.65M |
| Pretax profit | 156.49M | 201.24M | 282.90M | 436.54M | 310.99M | -180.26M | -96.22M | 336.16M |
| Tax | 46.75M | 32.33M | 70.37M | 85.34M | 116.43M | 26.23M | 43.03M | 79.33M |
| Net profit | 109.74M | 168.91M | 212.52M | 351.20M | 194.56M | -206.49M | -139.24M | 256.83M |
| Basic EPS | 4 | 5 | 7 | 12 | 8 | -9 | -6 | 11 |
| Diluted EPS | 4.06 | 5.33 | 6.68 | 11.26 | 7.46 | -8.72 | -5.83 | 10.91 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 392.78M | 442.12M | 460.35M | 473.55M | 475.41M | 491.87M |
| Gross profit | 211.96M | 236.36M | 256.62M | 260.89M | 265.31M | 269.57M |
| Selling & admin expenses | 41.02M | 41.33M | 39.22M | 44.38M | 39.63M | 38.72M |
| Research & development | -- | -- | -- | -- | -- | -- |
| Operating profit | 129.34M | 150.73M | 173.18M | 173.39M | 183.99M | 186.90M |
| Pretax profit | 60.46M | 78.02M | 99.87M | 97.82M | 111.73M | 82.85M |
| Tax | 13.66M | 19.30M | 25.21M | 21.16M | 25.49M | 18.85M |
| Net profit | 46.80M | 58.72M | 74.66M | 76.66M | 86.24M | 64.00M |
| Basic EPS | 2 | 3 | 3 | 3 | 4 | 3 |
| Diluted EPS | 1.93 | 2.49 | 3.17 | 3.37 | 3.86 | 2.81 |
Balance sheet
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Total current assets | 284.47M | 265.44M | 278.29M | 258.51M | 208.64M | 200.01M | 275.73M | 240.15M |
| Cash & ST investments | 157.42M | 192.34M | 189.18M | 189.65M | 143.91M | 158.36M | 199.87M | 156.78M |
| Inventory | -- | -- | -- | -- | -- | -- | -- | -- |
| Total assets | 4.63B | 4.91B | 4.86B | 4.61B | 4.51B | 4.63B | 4.79B | 5.34B |
| Total current liabilities | 1.01B | 1.31B | 843.48M | 743.69M | 266.61M | 219.24M | 233.55M | 230.26M |
| Short-term debt | 727.01M | 1.09B | 627.56M | 514.11M | 68.39M | 29.31M | -- | -- |
| Long-term debt | 2.76B | 2.42B | 2.65B | 2.48B | 2.82B | 3.29B | 3.67B | 4.00B |
| Total liabilities | 3,812,187,000.00 | 3,884,544,000.00 | 3,644,447,000.00 | 3,422,864,000.00 | 3,328,733,000.00 | 3,693,948,000.00 | 4,022,398,000.00 | 4,363,050,000.00 |
| Total equity | 819.69M | 1.03B | 1.22B | 1.19B | 1.18B | 936.54M | 767.33M | 976.75M |
| Retained earnings | 720.19M | 888.06M | 1.06B | 1.24B | 1.28B | 1.05B | 909.93M | 1.10B |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | 238.32M | 248.03M | 251.18M | 240.15M | 305.39M | 251.52M |
| Cash & ST investments | 187.12M | 172.90M | 172.49M | 156.78M | 227.20M | 182.93M |
| Inventory | -- | -- | -- | -- | -- | -- |
| Total assets | 4.97B | 5.19B | 5.26B | 5.34B | 5.45B | 5.57B |
| Total current liabilities | 1.15B | 1.21B | 1.19B | 230.26M | 933.54M | 882.46M |
| Short-term debt | 916.41M | 999.68M | 927.25M | -- | 681.27M | 691.65M |
| Long-term debt | 2.87B | 2.96B | 3.01B | 4.00B | 3.35B | 3.49B |
| Total liabilities | 4,150,525,000.00 | 4,295,415,000.00 | 4,305,029,000.00 | 4,363,050,000.00 | 4,415,753,000.00 | 4,486,546,000.00 |
| Total equity | 819.06M | 895.97M | 952.91M | 976.75M | 1.03B | 1.08B |
| Retained earnings | 956.72M | 1.02B | 1.08B | 1.10B | 1.17B | 1.21B |
Cash flow
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 186.79M | 244.73M | 312.86M | 303.05M | 210.68M | 152.99M | 156.17M | 153.20M |
| Depreciation & amortization | 41.23M | 41.03M | 42.78M | 50.08M | 46.42M | 41.74M | 32.43M | 28.76M |
| Free cash flow | 119.32M | 205.13M | 278.26M | 252.59M | 134.12M | 101.28M | 126.95M | 126.93M |
| Dividends paid | -- | -- | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | -- | 0 | 0 | -390.61M | -87.01M | 0 | 0 | -90.40M |
| Ending cash balance | 157.42M | 192.34M | 189.18M | 189.65M | 143.91M | 158.36M | 199.87M | 156.78M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | 45.28M | 9.52M | 81.58M | 16.81M | 82.33M | -29.38M |
| Depreciation & amortization | 7.34M | 7.31M | 7.17M | 6.94M | 6.86M | 7.11M |
| Free cash flow | 38.29M | 3.19M | 75.56M | 9.88M | 77.47M | -37.77M |
| Dividends paid | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | -10.00M | -15.21M | -10.11M | -55.07M | -20.09M | -26.94M |
| Ending cash balance | 187.12M | 172.90M | 172.49M | 156.78M | 227.20M | 182.93M |
Returns & efficiency
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| ROE %i | 16.56 | 18.24 | 18.92 | 29.20 | 16.45 | -19.52 | -16.34 | 29.45 |
| ROA %i | 2.54 | 3.52 | 4.33 | 7.41 | 4.27 | -4.52 | -2.96 | 5.07 |
| ROIC %i | 6.39 | 7.70 | 7.90 | 10.93 | 6.81 | -1.43 | 1.12 | 10.00 |
| 5-year avg ROE %i | 13.76 | 13.96 | 16.28 | 19.49 | 19.87 | 12.66 | 5.74 | 7.85 |
| EBIT margin %i | 27.25 | 29.14 | 31.70 | 36.54 | 32.16 | 0.49 | 10.75 | 34.86 |
| FCF / sales %i | 8.76 | 14.68 | 18.53 | 16.70 | 12.40 | 8.28 | 9.64 | 7.18 |
| Current ratioi | 0.28 | 0.20 | 0.33 | 0.35 | 0.78 | 0.91 | 1.18 | 1.04 |
| Quick ratioi | 0.23 | 0.18 | 0.26 | 0.29 | 0.60 | 0.72 | 0.98 | 0.83 |
| Debt / assetsi | 75.36 | 71.55 | 67.46 | 65.04 | 64.30 | 71.66 | 76.68 | 74.93 |
| LT debt / equityi | 337.85 | 237.40 | 217.97 | 209.51 | 239.94 | 351.16 | 478.64 | 409.65 |
| Interest coveragei | 1.73 | 1.98 | 2.47 | 3.85 | 3.24 | 0.03 | 0.60 | 2.20 |
| Revenue CAGR (3Y) %i | 6.42 | 10.74 | 8.15 | 5.83 | 0.02 | -6.62 | -6.58 | 8.15 |
| Net income CAGR (3Y) %i | 36.93 | 29.91 | 36.54 | 44.66 | 5.04 | -- | -- | 9.70 |
| FCF CAGR (3Y) %i | 10.88 | 27.63 | 42.73 | 28.40 | -13.21 | -28.60 | -20.49 | -1.82 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE %i | -13.05 | -9.46 | -4.51 | 29.45 | 31.96 | 30.54 |
| ROA %i | -2.40 | -1.78 | -0.88 | 5.07 | 5.69 | 5.61 |
| ROIC %i | 1.88 | 2.59 | 3.60 | 10.00 | 10.61 | 10.29 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | 13.49 | 15.99 | 19.31 | 34.86 | 36.26 | 35.61 |
| FCF / sales %i | 8.77 | 6.54 | 8.45 | 7.18 | 8.97 | 6.58 |
| Current ratioi | 0.21 | 0.20 | 0.21 | 1.04 | 0.33 | 0.29 |
| Quick ratioi | 0.16 | 0.17 | 0.18 | 0.83 | 0.28 | 0.24 |
| Debt / assetsi | 76.28 | 76.39 | 74.82 | 74.93 | 74.00 | 75.10 |
| LT debt / equityi | 350.92 | 331.01 | 315.52 | 409.65 | 323.93 | 323.33 |
| Interest coveragei | 0.74 | 0.88 | 1.10 | 2.20 | 2.36 | 2.38 |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
Revenue breakdown most recent period
Business
Debt purchasing and recovery segment100.00%
Quote time 2026-10-08 07:58:30 · For reference only, not investment advice and not tailored to your situation.