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

Company Overview

Encore Capital Group, Inc. is a specialty finance company that purchases portfolios of charged-off consumer receivables and provides debt recovery and management services. Through its operating businesses, the company works with consumers to resolve outstanding obligations through payment plans and other repayment arrangements.

Encore serves consumers and creditors across multiple markets, including the United States, the United Kingdom and other European countries. Its major operating platforms include Midland Credit Management in the United States and Cabot Credit Management in Europe. The company’s activities generally involve acquiring consumer debt portfolios, managing customer accounts and collecting payments in accordance with applicable laws and regulations.

Founded in 1998 and headquartered in San Diego, California, Encore Capital Group has expanded through organic growth and acquisitions, including the purchase of Cabot Credit Management. The company is led by President and Chief Executive Officer Ashish Masih.

Key Stats

• Today's Range: $99.18 to $101.51
• 50-Day Range: $93.01 to $105.60
• 52-Week Range: $41.06 to $105.98
• Volume: 188,095 shs
• Average Volume: 212,847 shs
• Market Capitalization: $2.12 billion
• P/E Ratio: 7.56
• Dividend Yield: N/A
• Price Target: $103.25
• Consensus Rating: Moderate Buy

Encore Capital Group Stock Analysis - MarketRank™

Encore Capital Group scored higher than 53% of companies evaluated by MarketBeat, and ranked 544th out of 859 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: 2.5 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Encore Capital Group has received a consensus rating of Moderate Buy. The company's average rating score is 2.83, and is based on no strong buy ratings, 5 buy ratings, 1 hold rating, and no sell ratings.

Upside/Downside

The consensus price target for Encore Capital Group is close to its current price, suggesting limited near-term upside or downside.

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: 9.47%

Earnings Growth

Earnings for Encore Capital Group are expected to grow by 9.47% in the coming year, from $13.52 to $14.80 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Encore Capital Group is 7.59, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 27.02.

Price to Earnings Ratio vs. Sector

The P/E ratio of Encore Capital Group is 7.59, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 21.15.

Price to Book Value per Share Ratio

Encore Capital Group has a P/B Ratio of 2.28. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

4.57% 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 4.39.

Change versus previous month

Short interest in Encore Capital Group has recently decreased by 11.14%, indicating that investor sentiment is improving 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: 1.7 / 5
• News Sentiment: 0.65

News Sentiment

Encore Capital Group has a news sentiment score of 0.65. 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 news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Encore Capital Group this week, compared to 4 articles on an average week.

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: 11/03/2026
• 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: $103.25
• High Price Target: $124.00
• Low Price Target: $62.00
• Potential Upside/Downside: +3.4%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.83
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $13.21
• Trailing P/E Ratio: 7.56
• Forward P/E Ratio: 6.75
• 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: 1.20
• Cash Flow: $12.75 per share
• Price / Cash Flow: 7.83
• Book Value: $43.79 per share
• Price / Book: 2.28

Miscellaneous

• Outstanding Shares: 21,210,000
• Free Float: 20,573,000
• Market Cap: $2.12 billion
• Optionable: Optionable
• Beta: 1.29