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StockVS

NASDAQ · Credit Services · USD

Encore Capital Group, Inc. (ECPG) Stock Analysis

Encore Capital Group, Inc. (ECPG) is a Credit Services stock listed on NASDAQ and quoted in US Dollar.

ECPG

$97.30

+$0.37 (+0.38%)

Sep 4, 2026 · Market close

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Price History

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ECPG Key Statistics

As of Sep 4, 2026
Trading
Open
$95.48
Previous Close
$96.93
Day's Range
95.48–99.57
52-Week Range
39.95–104.98
Volume
644.10K
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
1.28
Valuation
Market Cap
$2.06B
P/E Ratio
7.39
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
7.29
PEG RatioThe P/E ratio divided by the expected earnings growth rate. It puts a high P/E in the context of how fast profits are growing.
0.17
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
1.09
EPS (ttm)Profit attributable to each share over the last twelve months.
13.16
Financials (FY)
Revenue (FY)
$1.77B+34.37%
Net Income (FY)
$256.83M
Profit marginThe share of revenue left as profit after all costs and taxes.
15.86%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
21.21M
1-Year Return
+132.22%
Dividend and dates
Earnings Date
November 4, 2026
Avg Volume
363.38K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

ECPG Stock Return by Calendar Year

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)+79.02%
2025+13.77%
2024−5.87%
2023+5.86%
2022−22.81%
2021+59.46%
2020+10.15%
2019+50.47%
2018−44.18%
2017+46.95%
2016 (partial year)+35.40%

As of September 4, 2026.

ECPG Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$1.77B$256.83M14.5%
2024$1.32B−$139.24M−10.6%
2023$1.22B−$206.49M−16.9%
2022$1.40B$194.56M13.9%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$1.77B$965.83M$626.65M$256.83M14.5%
2024$1.32B$603.56M$276.47M−$139.24M−10.6%
2023$1.22B$571.24M$273.46M−$206.49M−16.9%
2022$1.40B$769.70M$466.25M$194.56M13.9%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

ECPG Valuation vs Credit Services Median

Median of 60 stocks
MetricECPGCredit Services medianvs median
P/E7.3912.4741% below
P/S ratio1.091.6434% below
Profit margin15.86%9.99%5.9 pts above

Medians across 60 Credit Services stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of September 4, 2026.

Recent News

All 9 articles ↓

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

Encore Capital Group, Inc. (ECPG) is capitalised at $2.06B on the latest close. It is classified in the Credit Services industry, within the Financial Services sector. Headcount on file is 7,350.

The 52-week range on file runs from $39.95 to $104.98. The most recent close on file for ECPG is $97.30, dated September 4, 2026. That is +$0.37 (+0.38%) against the previous close. The latest close sits 143.55% above that 52-week low.

Financial Health

Fiscal 2025 revenue came to $1.77B. Against the prior fiscal year total of $1.32B, that is a change of +34.37%. Net income for the same year was $256.83M. The reported profit margin is 15.86%. That is 5.9 percentage points above the Credit Services median of 9.99%. Earnings per share on a trailing basis come to 13.16.

Across the 4 fiscal years on file, revenue moves from $1.40B in 2022 to $1.77B in 2025. Of those 4 years, 2 report positive net income.

Valuation Assessment

On trailing earnings, the shares are priced at 7.39 times earnings. That is 40.74% below the Credit Services median of 12.47. On forward earnings the ratio is 7.29. The PEG ratio, which sets the P/E against expected earnings growth, reads 0.17. Measured against sales, the shares trade at 1.09 times revenue. On price-to-sales that is 33.83% below the Credit Services median of 1.64. 60 Credit Services companies report these metrics, and the medians quoted come from that group.

The trailing one-year price return is +132.22%. Measured over 10 years, that is +16.02% a year compounded. Beta against the wider market is reported at 1.28. Daily returns over the trailing 10 years annualize to a volatility of 48.14%.

Growth & Income

No dividend is on file for ECPG.

The strongest complete calendar year on file is 2021 at +59.46%; the weakest is 2018 at −44.18%. Of the 9 complete calendar years on file, 6 finished higher. So far in 2026 the price is +79.02%.

Peer Comparison

Encore Capital Group, Inc. (ECPG) operates in the Credit Services industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
Encore Capital Group, Inc. ECPG $2.06B 7.4
Visa Inc. V $700.27B 31.9
Mastercard Incorporated MA $507.39B 32.3
American Express Company AXP $220.26B 20.0

The Credit Services industry average P/E ratio is 12.5x. Encore Capital Group, Inc. trades at a P/E of 7.4.

Every figure above is read from this page's own data on each nightly rebuild. Informational only, not financial advice. As of September 4, 2026.

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About Encore Capital Group, Inc.

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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