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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.

Last Updated: October 21, 2026

ECPG

$104.16

+$1.00 (+0.97%)

Oct 21, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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ECPG Key Statistics

As of Oct 21, 2026
Trading
Open
$103.16
Previous Close
$103.16
Day's Range
101.74–104.23
52-Week Range
40.52–105.98
Volume
173.03K
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.
1.31
Valuation
Market Cap
$2.21B
P/E Ratio
7.72
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
7.80
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.
1.16
EPS (ttm)Profit attributable to each share over the last twelve months.
13.50
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
+142.80%
Dividend and dates
Earnings Date
November 4, 2026
Avg Volume
342.10K

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

Key facts

As of October 21, 2026, ECPG closed at $104.16, +142.80% over 1 year.

Encore Capital Group, Inc. (ECPG) has a market capitalization of $2.21B.

In fiscal 2025, ECPG reported revenue of $1.77B.

ECPG Stock Return by Calendar Year

Encore Capital Group, Inc. (ECPG) 10-year return: what $10,000 became

1 year
$10,000 $24,280
+142.80%
5 years
$10,000 $19,870
+98.70%
10 years
$10,000 $52,342
+423.42%

If you had invested $10,000 in Encore Capital Group, Inc. (ECPG) 10 years ago, at the close on October 21, 2016, it would have been worth $52,342 at the close on October 21, 2026: +423.42% in total, +18.00% a year. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

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

YearReturn
2026 (partial year)+91.65%
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 October 21, 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 56 stocks
MetricECPGCredit Services medianvs median
P/E7.7210.9129% below
P/S ratio1.161.5022% below
Profit margin15.86%9.89%6.0 pts above

Medians across 56 Credit Services stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Recent News

All 17 articles ↓

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

Analysis

Data-derived

Company Overview

Encore Capital Group, Inc. (ECPG) is capitalised at $2.21B 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 $40.52 to $105.98. The most recent close on file for ECPG is $104.16, dated October 21, 2026. That is +$1.00 (+0.97%) against the previous close. The latest close sits 157.06% 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 6 percentage points above the Credit Services median of 9.89%. Earnings per share on a trailing basis come to 13.5.

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 7.72 times earnings. That is 29.24% below the Credit Services median of 10.91. On forward earnings the ratio is 7.8. The PEG ratio, which sets the P/E against expected earnings growth, reads 0.17. Measured against sales, the shares trade at 1.16 times revenue. On price-to-sales that is 22.45% below the Credit Services median of 1.5. 56 Credit Services companies report these metrics, and the medians quoted come from that group.

The trailing one-year total return is +142.80%. Measured over 10 years, that is +18.00% a year compounded. Beta against the wider market is reported at 1.31. Daily returns over the trailing 10 years annualize to a volatility of 48.17%.

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 total return is +91.65%.

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 $2.21B 7.7
Visa Inc. V $765.68B 34.7
Mastercard Incorporated MA $545.42B 34.3
American Express Company AXP $214.98B 19.3

The Credit Services industry average P/E ratio is 10.9x. Encore Capital Group, Inc. trades at a P/E of 7.7.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 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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