Encore Capital Group (ECPG) Stock Price, News & Analysis

Company Overview

Encore Capital Group, Inc. is a global specialty finance company that purchases portfolios of charged-off consumer receivables and works with individuals to resolve their outstanding obligations. The company manages these accounts through a range of repayment solutions, including flexible payment arrangements and other servicing programs designed to help consumers address unpaid debts.

Encore operates primarily through Midland Credit Management in the United States and Cabot Credit Management in Europe and other international markets. Its activities include receivables purchasing, account servicing, collections, and customer support. The company serves consumers and credit providers across the United States and several European markets, as well as select other international jurisdictions.

Encore Capital Group was founded in 1998 and is headquartered in San Diego, California. Its operations are supported by technology, data analysis, and consumer communications intended to improve account management and recovery outcomes. Ashish Masih has served as the company’s president and chief executive officer since 2017.

Key Stats

• Today's Range: $95.86 to $98.27
• 50-Day Range: $92.69 to $103.74
• 52-Week Range: $39.94 to $104.98
• Volume: 186,711 shs
• Average Volume: 307,681 shs
• Market Capitalization: $2.03 billion
• P/E Ratio: 7.26
• Dividend Yield: N/A
• Price Target: $89.75
• Consensus Rating: Buy

Encore Capital Group Stock Analysis - MarketRank™

Encore Capital Group scored higher than 48% of companies evaluated by MarketBeat, and ranked 612th out of 839 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.4 / 5
• Analyst Rating: Buy

Consensus Rating

Encore Capital Group has received a consensus rating of Buy. The company's average rating score is 3.17, and is based on 1 strong buy rating, 5 buy ratings, no hold ratings, and no sell ratings.

Downside Risk

Encore Capital Group has a consensus price target of $89.75, representing about 6.4% downside from its current price of $95.92.

Amount of Analyst Coverage

Encore Capital Group has only been the subject of 4 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 8.28%

Earnings Growth

Earnings for Encore Capital Group are expected to grow by 8.28% in the coming year, from $13.52 to $14.64 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Encore Capital Group is 7.26, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.65.

Price to Earnings Ratio vs. Sector

The P/E ratio of Encore Capital Group is 7.26, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.42.

Price to Book Value per Share Ratio

Encore Capital Group has a P/B Ratio of 2.19. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

6.23% of the float of Encore Capital Group has been sold short.

Short Interest Ratio / Days to Cover

Encore Capital Group has a short interest ratio ("days to cover") of 3.23, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Encore Capital Group has recently increased by 9.33%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Encore Capital Group does not currently pay a dividend.

Dividend Growth

Encore Capital Group does not have a long track record of dividend growth.

News and Social Media

• Score: 3.2 / 5
• News Sentiment: N/A

News Sentiment

Encore Capital Group has a news sentiment score of 1.19. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.61 average news sentiment score of Finance companies.

Search Interest

2 people have searched for ECPG on MarketBeat in the last 30 days.

Company Ownership

• Score: 0.1 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Encore Capital Group insiders have not sold or bought any company stock.

Percentage Held by Insiders

3.00% of the stock of Encore Capital Group is held by insiders.

Percentage Held by Institutions

Encore Capital Group has minimal institutional ownership at this time.

Company Calendar

• Last Earnings: 8/05/2026
• Today: 10/04/2026
• Next Earnings (Estimated): 11/04/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Consumer Finance
• Sub-Industry: Consumer Finance
• Current Symbol: NASDAQ:ECPG
• CIK: 1084961
• Web: www.encorecapital.com
• Phone: (877) 445-4581
• Fax: 858-309-6978
• Employees: 7,350
• Year Founded: 1953

Price Target and Rating

• Average Price Target for Encore Capital Group: $89.75
• High Price Target: $115.00
• Low Price Target: $62.00
• Potential Upside/Downside: -6.4%
• Consensus Rating: Buy
• Rating Score (0-4): 3.17
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $13.21
• Trailing P/E Ratio: 7.26
• Forward P/E Ratio: 7.09
• P/E Growth: N/A
• Net Income: $256.83 million
• Net Margins: 15.86%
• Pretax Margin: 20.63%
• Return on Equity: 29.83%
• Return on Assets: 5.58%

Debt

• Debt-to-Equity Ratio: 3.87
• Current Ratio: 0.96
• Quick Ratio: 0.96

Sales & Book Value

• Annual Sales: $1.77 billion
• Price / Sales: 1.15
• Cash Flow: $12.81 per share
• Price / Cash Flow: 7.49
• Book Value: $43.79 per share
• Price / Book: 2.19

Miscellaneous

• Outstanding Shares: 21,210,000
• Free Float: 20,573,000
• Market Cap: $2.03 billion
• Optionable: Optionable
• Beta: 1.30