Encore Capital Group, Inc. (ECPG) Stock Price

ECPGStock

$101.68+150.88%52W

Market Cap$2.16B

P/E8.40x

PEG Ratio0.17

Div yield—

Beta1.32

ECPG Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)17.66%

Price vs S&P 500 (4W)3.65%

PEG Ratio0.17

VGM Score61.04

P/E Ratio (Annual)8.40x

P/CF (Annual)14.08x

Book Value / Share (Quarterly)$50.86

P/TBV (Annual)1.47x

Indicated Dividend (Annual)$0.00

Revenue Growth (3Y)10.66%

Cash Flow / Share (Quarterly)$5.90

Price vs S&P 500 (YTD)75.16%

Gross Margin (TTM)80.01%

Net Profit Margin (TTM)15.86%

EPS (TTM)$13.21

10-Day Avg Trading Volume0.21M

EPS Excl Extra (TTM)$13.21

Revenue Growth (5Y)3.43%

EPS (Annual)$10.91

ROI (Annual)5.16%

Gross Margin (Annual)80.51%

Net Profit Margin (5Y Avg)5.56%

Cash / Share (Quarterly)$8.63

P/E Basic Excl Extra (TTM)7.15x

Revenue Growth QoQ (YoY)11.25%

EPS Growth (5Y)10.31%

P/E Normalized (Annual)8.40x

ROA (Last FY)4.81%

Revenue Growth TTM (YoY)29.55%

EBITD / Share (TTM)$31.22

ROE (5Y Avg)6.44%

Operating Margin (TTM)36.05%

Cash Flow / Share (Annual)$5.85

P/B Ratio2.00x

P/B Ratio (Quarterly)1.85x

Net Income / Employee (Annual)$34,900

EV / Revenue (TTM)3.24x

Net Interest Coverage (TTM)2.14x

ROA (TTM)5.58%

EPS Growth QoQ (YoY)12.75%

EV / EBITDA (TTM)8.63x

EPS Incl Extra (Annual)$10.91

Current Ratio (Annual)0.77x

Quick Ratio (Quarterly)1.11x

3-Month Avg Trading Volume0.34M

52-Week Price Return150.88%

EV / Free Cash Flow (Annual)48.48x

P/E Incl Extra (TTM)7.15x

Revenue / Employee (TTM)$258,700

Tangible BV / Share (Quarterly)$32.39

P/S Ratio (Annual)1.22x

Asset Turnover (Annual)0.33x

52-Week High$105.98

Operating Margin (5Y Avg)25.49%

EPS Excl Extra (Annual)$10.91

CapEx CAGR (5Y)-5.36%

Tangible BV CAGR (5Y)-4.60%

26-Week Price Return27.56%

Quick Ratio (Annual)0.65x

13-Week Price Return11.33%

Total Debt / Equity (Annual)4.10x

Current Ratio (Quarterly)1.29x

Enterprise Value$6.15B

Revenue / Share Growth (5Y)9.78%

Asset Turnover (TTM)0.35x

Book Value / Share Growth (5Y)2.97%

Revenue / Employee (Annual)$240,700

Pretax Margin (Annual)19.00%

Cash / Share (Annual)$7.23

3-Month Return Std Dev38.50%

Gross Margin (5Y Avg)78.31%

Net Income / Employee (TTM)$41,000

EBITDA CAGR (5Y)4.08%

EBITDA Interim CAGR (5Y)-1.58%

ROE (Last FY)26.29%

Net Interest Coverage (Annual)2.33x

EPS Basic Excl Extra (Annual)$10.91

P/FCF (TTM)12.98x

Receivables Turnover (TTM)3.74x

EV / Free Cash Flow (TTM)49.17x

Total Debt / Equity (Quarterly)3.87x

EPS Incl Extra (TTM)$13.21

Receivables Turnover (Annual)4.42x

ROI (TTM)5.97%

P/S Ratio (TTM)1.13x

Pretax Margin (5Y Avg)10.51%

Revenue / Share (Annual)$75.16

Tangible BV / Share (Annual)$32.39

Forward P/E6.91x

Free OCF CAGR (5Y)-14.53%

Price vs S&P 500 (52W)135.34%

P/E Ratio (TTM)7.15x

Year-to-Date Return87.08%

5-Day Price Return0.82%

EPS Normalized (Annual)$10.91

ROA (5Y Avg)1.87%

Net Profit Margin (Annual)14.52%

Month-to-Date Return7.67%

Cash Flow / Share (TTM)$1.62

EBITD / Share (Annual)$27.78

EPS Growth (3Y)13.54%

Operating Margin (Annual)35.34%

LT Debt / Equity (Annual)4.10x

P/CF (TTM)14.25x

ROI (5Y Avg)2.07%

P/E Excl Extra (TTM)7.15x

LT Debt / Equity (Quarterly)3.87x

EPS Basic Excl Extra (TTM)$13.21

P/TBV (Quarterly)1.47x

P/B Ratio (Annual)1.24x

Pretax Margin (TTM)20.63%

Book Value / Share (Annual)$45.04

Price vs S&P 500 (13W)8.65%

Net Margin Growth (5Y)0.49%

Beta1.32x

P/FCF (Annual)16.99x

Revenue / Share (TTM)$83.42

ROE (TTM)29.83%

52-Week Low$39.95

vGradeC

gGradeC

mGradeA

vgmGradeB

ECPG Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2026	Aug 5, 2026	$2.62	$3.95	+50.84%(+$1.33)
Q1 2026	May 6, 2026	$2.78	$3.91	+40.81%(+$1.13)
Q4 2025	Feb 25, 2026	$1.75	$3.48	+98.93%(+$1.73)
Q3 2025	Nov 5, 2025	$1.58	$3.18	+100.61%(+$1.59)
Q2 2025	Aug 6, 2025	$1.21	$2.52	+109.44%(+$1.32)

ECPG Analyst Recommendations

Jun 2026

Jul 2026

Aug 2026

Sep 2026

4.00

Industry Peers — Short-Term Business Credit(5)

Symbol	Value Score	Growth Score	Momentum Score	P/E Ratio (Annual)	ROE (TTM)	Operating Margin (TTM)	Revenue Growth (5Y)	Price
ECPGEncore Capital Group, Inc.	C	C	A	8.4x	29.8%	36.0%	3.4%	$101.68
JCAPJefferson Capital, Inc. Common Stock	C	C	B	6.3x	33.8%	45.8%	—	$20.53
PRAAPRA Group, Inc.	C	D	B	9.4x	-26.8%	5.0%	2.4%	$19.39
SWRDStewards, Inc. Common Stock	F	A	C	—	-678.3%	-88.5%	—	$2.65
PLBCPlumas Bancorp	C	C	A	14.6x	13.7%	50.7%	15.6%	$62.11
ORBSEightco Holdings Inc. Common Stock	D	F	C	461.9x	-98.3%	-302.7%	—	$0.74

About Encore Capital Group, Inc.

Encore Capital Group is a specialty finance company that acquires and manages portfolios of defaulted consumer receivables at substantial discounts to face value. The company generates returns by working with consumers to facilitate repayment and recovery of these debt portfolios across international markets. Encore operates a streamlined, single-segment business model focused entirely on debt purchasing and recovery operations.