Encore Capital Group Inc
ECPG
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Bull / bear case
Site-generated summary from fundamentals, news, and score — not investment advice. As of 2026-10-08.
- Encore Capital Group is positioned well within the credit services industry, benefiting from a favorable regulatory environment that supports debt recovery and management.
- In Q2 2026, Encore reported a revenue increase of 3% compared to the previous quarter, reaching $492 million.
- The company's operating margin stood at 37.998% in Q2 2026, showcasing strong operational efficiency.
- Despite its strengths, Encore Capital faces significant competition in the credit services sector, which could pressure margins and growth.
- The company reported a net income of $63.999 million in Q2 2026, down from $86.243 million in Q1 2026.
- Encore's debt-to-equity ratio is notably high at 388.056, indicating potential financial risk.
Fundamentals
| Market cap | $2.12B | Enterprise value | $6.13B | Trailing P/E | 7.60 | Forward P/E | 7.49 |
| PEG | 0.17 | Price / book | 1.97 | Beta | 1.31 | Dividend yield | 0.00% |
| Revenue growth | 11.3% | Earnings growth | 12.9% | Gross margin | 100.0% | Operating margin | 38.0% |
| Profit margin | 15.9% | ROE | 30.5% | ROA | 8.3% | Debt / equity | 3.88 |
| Current ratio | 11.38 | Free cash flow | -$157.00M | Analyst recommendation | none | Mean target | $115.67 |
| 52w high | $104.98 | 52w low | $39.95 |
Quarterly
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | |
|---|---|---|---|---|---|
| Revenue | $492M | $475M | $474M | $460M | $442M |
| Op margin | 38.0% | 38.7% | 36.6% | 37.6% | 34.1% |
| Net income | $64.0M | $86.2M | $76.7M | $74.7M | $58.7M |
| Gross margin | 54.8% | 55.8% | 55.1% | 55.7% | 53.5% |
| Gross profit | $270M | $265M | $261M | $257M | $236M |
| Operating income | $187M | $184M | $173M | $173M | $151M |
- Revenue +3% vs prior quarter ($492M vs $475M).
- Gross margin 54.8% (was 55.8% prior quarter).
Yearly (6y)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Revenue | $1.8B | $1.3B | $1.2B | $1.4B | — |
| Op margin | 35.4% | 21.0% | 22.4% | 33.3% | — |
| Net income | $257M | -$139M | -$206M | $195M | — |
| Gross margin | 54.6% | 45.9% | 46.7% | 55.0% | — |
| Gross profit | $966M | $604M | $571M | $770M | — |
| Operating income | $627M | $276M | $273M | $466M | — |
No flags
• No distress or material-risk keywords in recent headlines (keyword scan only — not a guarantee).
News
2026-10-06 · Encore Capital Group to Announce Third Quarter 2026 Financial Results on November 4
2026-10-06 · Debt Collectors Are Taking More Consumers to Court—and Winning
2026-10-05 · Encore Capital Group (ECPG): Buy, Sell, or Hold Post Q2 Earnings?
2026-10-01 · Encore Capital Stock Soars 73.8% YTD: Is There Further Upside Left?
2026-09-29 · 3 U.S. Credit Restructuring Stocks Investors Are Watching As Consumer Stress Builds
2026-09-22 · Encore Capital Group Has Doubled—But Its Best Tailwind Won’t Last Forever
2026-09-21 · 3 Low-Volatility Stocks We Steer Clear Of
2026-09-15 · Here's Why PRA Group Stock Remains a Buy Despite Few Risks
2026-09-11 · Zacks Industry Outlook Highlights Enova International and Encore Capital
2026-09-10 · 2 Consumer Loan Stocks to Buy on Favorable Industry Dynamics
2026-09-04 · Q2 Specialty Finance Earnings: Encore Capital Group (NASDAQ:ECPG) Earns Top Marks
2026-09-04 · Why Is Encore Capital Group (ECPG) Down 1% Since Last Earnings Report?
Price (daily)
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