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Home CompaniesEncore Capital Group Inc

Encore Capital Group Inc

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
111.81 USD -2.33 ( 2.04%)
Last update at 2026-11-09T15:32:00Z
VOLUME
52016
Market Cap
2095.49M
P/E
7.58

Momentum Score

…

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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
111.81
Low
116.95
High
52 Week Price Range
39.95
Low
104.98
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Encore Capital Group is a specialty finance company that buys charged-off consumer receivables and operates collection platforms in the United States and internationally. Long-term growth may be supported by continued portfolio acquisitions, consumer credit cycle-driven recoveries and use of data analytics and scale to improve collection rates, which could appeal to investors seeking cash-flowing exposure in specialty finance.
Key risks include substantial regulatory and litigation exposure related to debt-collection practices, sensitivity of recovery performance to macroeconomic and credit conditions and reliance on access to capital and accurate portfolio valuation.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
114.14
Dividend Yield
-
Revenue TTM
1901.19M
Revenue Per Share
85.61
Gross Profit TTM
1901.19M
Debt / Equity
4.23
ROE
30.54%
Net Debt
3975.38M
ROCE
11.68%
Diluted EPS TTM
13.03

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 336.16M -96.22M -180.26M 310.99M 436.54M
Minority interest - - 0.00M 0.00M 0.42M
Net income 256.83M -139.24M -206.49M 194.56M 350.78M
Selling general administrative 165.95M 163.85M 144.86M 145.80M 137.69M
Gross profit 1215.78M 603.56M 571.24M 769.70M 927.98M
Reconciled depreciation 28.76M 32.43M 41.74M 50.49M 50.08M
Ebit 623.78M 141.57M 21.61M 462.17M 633.27M
Ebitda 652.54M 174.00M 63.35M 514.79M 665.57M
Depreciation and amortization 28.76M 32.43M 41.74M 52.62M 32.30M
Non operating income net other - - - 2.12M -27.08M
Operating income 623.56M 157.33M 16.54M 462.17M 633.27M
Other operating expenses 1138.95M 1159.03M 1206.14M 936.17M 981.23M
Interest expense 287.63M 252.54M 201.88M 153.31M 169.65M
Tax provision 79.33M 43.03M 26.23M 116.42M 85.34M
Net interest income -293.91M -252.54M -201.88M -153.31M -169.65M
Non recurring - - - 217.94M 254.28M
Income tax expense 79.33M 43.03M 26.23M 116.42M 85.34M
Total revenue 1762.52M 1316.36M 1222.68M 1398.35M 1614.50M
Total operating expenses 592.22M 446.23M 554.70M 307.53M 294.71M
Cost of revenue 546.73M 712.80M 651.44M 628.65M 686.51M
Total other income expense net -287.40M -253.54M -196.80M -151.19M -196.73M
Net income from continuing ops 256.83M -139.24M -206.49M 194.56M 351.20M
Net income applicable to common shares - - - 194.56M 350.78M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 5339.80M 4789.73M 4630.49M 4508.36M 4608.12M
Intangible assets 536.29M - 0.05M 22.11M 36.32M
Other current assets - -3730.37M -167.44M 48.63M 46.26M
Total liab 4363.05M 4022.40M 3693.95M 3328.73M 3422.86M
Total stockholder equity 976.75M 767.33M 936.54M 1179.63M 1185.26M
Other current liab - 21.50M 189.93M -887.04M -650.49M
Common stock 0.22M 0.24M 0.23M 0.23M 0.24M
Capital stock 0.22M 0.24M 0.23M 0.23M 0.24M
Retained earnings 1104.64M 909.93M 1049.17M 1278.21M 1238.56M
Other liab - - - 111.18M 195.95M
Good will 536.29M 507.81M 606.48M 821.21M 897.79M
Other assets 193.11M 3955.46M - 341.07M 335.27M
Cash 156.78M 199.87M 158.36M 143.91M 189.65M
Total current liabilities 0.32M 233.54M 689.57M 198.22M 229.59M
Current deferred revenue - - -173.93M - -
Net debt 3975.38M 3472.90M 3159.67M 3840.17M 2807.69M
Short term debt 0.32M - 499.65M 1085.26M 880.08M
Short long term debt - - 499.65M 1085.26M 880.08M
Short long term debt total 4132.17M 3672.76M 3318.03M 3984.08M 2997.33M
Other stockholder equity 1104.64M 19.30M 11.05M 1278.21M 1238.56M
Property plant equipment - - - 113.90M 119.86M
Total current assets 191.03M 245.87M 209.09M 143.91M 189.65M
Long term investments 4371.53M 3776.37M 3468.43M 3088.26M 3065.55M
Net tangible assets - - - 358.41M 287.47M
Short term investments - - 17.31M 3088.26M 3065.55M
Net receivables 34.24M 3776.37M 9.08M 16.09M 22.61M
Long term debt 4000.70M 3671.70M 2815.57M 1807.89M 2110.25M
Inventory - - -17.31M -64.73M -68.87M
Accounts payable - 212.04M 173.93M 198.22M 229.59M
Accumulated other comprehensive income -128.11M -162.13M -123.92M -98.82M -53.55M
Common stock total equity - - - 0.23M 0.24M
Retained earnings total equity - - - 1278.21M 1238.56M
Non currrent assets other 78.12M 112.58M 158.19M 323.00M 283.82M
Non current assets total 5148.77M 4543.86M 4421.40M 4364.45M 4418.48M
Capital lease obligations 0.60M 1.06M 2.82M 5.67M 7.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -252.07M -440.43M -360.29M -81.39M 362.35M
Change to liabilities - - - -31.00M -0.93M
Total cashflows from investing activities -242.59M -440.43M -401.94M -130.24M 339.90M
Net borrowings 149.60M 374.25M 289.05M 1.92M -252.88M
Total cash from financing activities 44.85M 317.77M 268.30M -107.44M -655.69M
Change to operating activities - - - -6.72M 3.93M
Net income 256.83M -139.24M -206.49M 194.56M 351.20M
Change in cash -43.08M 41.50M 14.45M -45.73M 0.46M
Begin period cash flow 199.87M 158.36M 143.91M 189.65M 189.18M
End period cash flow 156.78M 199.87M 158.36M 143.91M 189.65M
Total cash from operating activities 153.20M 156.17M 152.99M 210.68M 303.05M
Depreciation 28.76M 32.43M 41.74M 50.49M 50.08M
Other cashflows from investing activities -216.32M -411.42M 78.74M -11.62M 10.92M
Sale purchase of stock -90.40M 0.00M -10.25M -87.01M -390.61M
Other cashflows from financing activities -4.14M -56.48M -7.04M 757.16M 1151.51M
Change to netincome - - - 96.48M 97.92M
Capital expenditures 26.27M 29.01M 51.71M 37.22M 33.37M
Cash flows other operating - - - -99.87M -195.21M
Cash and cash equivalents changes - - - -27.00M -12.74M
Change in working capital 6.27M 28.16M 5.45M -37.72M 2.99M
Stock based compensation 18.27M 14.01M 13.85M 15.40M 18.33M
Other non cash items -186.75M 243.09M 354.36M -58.47M -154.92M
Free cash flow 126.93M 127.16M 101.28M 173.46M 269.68M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
ECPG
Encore Capital Group Inc		 -2.33
2.04%		 111.81 7.58 5.54 1.10 1.96 3.22 8.67
V
Visa Inc. Class A		 -2.19
0.52%		 420.46 31.25 25.97 16.18 13.64 16.19 23.37
MA
Mastercard Inc		 2.75
0.42%		 655.45 31.59 24.88 14.31 89.68 14.71 23.34
AXP
American Express Company		 3.51
1.09%		 324.50 21.46 18.83 3.38 6.76 3.93 -
COF
Capital One Financial Corporation		 -1.43
0.71%		 200.44 11.39 8.75 2.64 1.11 2.76 -

Profile*

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.

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

877 345 3002

https://www.encorecapital.com

7350

Name Title Year Born
Mr. Bruce Thomas VP of Investor Relations NA
Mr. Ashish Masih Pres, CEO & Director 1966
Mr. Jonathan C. Clark Exec. VP, CFO & Treasurer 1959
Mr. Ryan B. Bell Pres of Midland Credit Management 1979
Mr. Craig Anthony Buick CEO & Director of Cabot Credit Management Group 1969
Mr. Peter Reck Principal Accounting Officer 1967
Ms. Monique Dumais-Chrisope Sr. VP & Chief Information Officer NA
Mr. Andrew Asch Sr. VP & Gen. Counsel NA
Mr. Steve Carmichael Sr. VP and Chief Risk & Compliance Officer NA
Faryar Borhani Sr. Director of Corp. Communications NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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