Encore Capital Group, Inc., a specialty finance company, offers debt recovery solutions and other related services to consumers in a variety of financial assets worldwide. The company is headquartered in San Diego, California.
| Revenue (TTM) | $1.90B |
| Gross Profit (TTM) | $1.90B |
| EBITDA | $745.54M |
| Operating Margin | 38.00% |
| Return on Equity | 30.50% |
| Return on Assets | 8.34% |
| Revenue/Share (TTM) | $85.61 |
| Book Value | $50.86 |
| Price-to-Book | 2.04 |
| Price-to-Sales (TTM) | 1.16 |
| EV/Revenue | 3.26 |
| EV/EBITDA | 8.79 |
| Quarterly Earnings Growth (YoY) | 12.90% |
| Quarterly Revenue Growth (YoY) | 11.30% |
| Shares Outstanding | $21.21M |
| Float | $20.18M |
| % Insiders | 3.90% |
| % Institutions | 109.50% |
Volatility is currently expanding
ECPG's raised 2026 earnings and collections outlook improves visibility, while refinancing savings support growth amid cost and leverage risks.
Encore Capital???s discounted valuation and rising earnings estimates support the upside case, while debt, legal costs and U.S. concentration keep risks elevated.
Encore Capital's 16.3% three-month rise is backed by record collections, higher earnings expectations and a peer valuation discount, despite cost and leverage risks.
Encore Capital Group (ECPG) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
Encore Capital's Q2 revenues top estimates as record global collections and strong U.S. execution offset earnings miss and support a higher 2026 outlook.
Encore Capital Group, Inc. (ECPG) Q2 2026 Earnings Call Transcript
SAN DIEGO, Aug. 05, 2026 (GLOBE NEWSWIRE) -- Encore Capital Group, Inc. (NASDAQ: ECPG), an international specialty finance company, today reported consolidated financial results for the second quarter ended June 30, 2026.
SAN DIEGO, July 22, 2026 (GLOBE NEWSWIRE) -- Encore Capital Group, Inc. (Nasdaq: ECPG) (“Encore” or the “Company”), an international specialty finance company, announced today that on July 22, 2026 (the “Redemption Notice Date”), it has issued a notice (the “Redemption Notice”) to holders of the Company's 4.00% Convertible Senior Notes due 2029 (CUSIP No. 292554 AP7) (the “Notes”), calling all $230.0 million aggregate principal amount of the Notes for redemption on September 24, 2026 (the “Redemption Date”). The Company's redemption right in respect of the Notes arises pursuant to Section 14.07 of the Indenture, dated as of March 3, 2023 (the “Indenture”), between the Company and Truist Bank, as trustee (the “Trustee”), as a result of the last reported sale price per share of the Company's common stock having exceeded 130% of the conversion price on each of at least 20 trading days (whether or not consecutive) during the 30 consecutive trading days ending on, and including, the trading day immediately before the Redemption Notice Date.
Encore Capital Group shares have surged 65% year-to-date, reflecting strong market momentum. The guidance for 2026 looks stellar. Collections at $2.8 billion, an increase of 8% YoY. Earnings guidance of $13.00 per share, an increase of 19% YoY. I see two key secular tailwinds as being persistent, not temporary: high total consumer loan volume, along with elevated charge-off rates. This alone warrants a small position, in my opinion.
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