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Encore Capital Group, Inc.

ECPG • Financial - Mortgages
$97.30
▲ +0.37 (+0.38%)
Current price
EarningsLatest report: Jun 30, 2026
FAVORABLE PROFILEAttractiveConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology
Analysis thesis: Strong business quality with supportive growth and cash-flow evidence. Valuation still matters, but the historical ratio profile is favorable.
Market Cap
$2.19B
Growth
10.2%
Cash Flow
5/5
Trend
Stable
Evidence
Stable or improving margins · 14.6%Positive revenue growth · 9.1%Positive free cash flow · 5.46Consistent free cash flow · 5/5Reasonable earnings multiple · 4.92
Financial data as of: Jun 30, 2026, 12:00 AM UTCLast earnings update: Jun 30, 2026, 12:00 AM UTCLast profile update: Aug 7, 2026, 1:00 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$97.30
Change0.38%
Shares Out22.55M
Market Cap$2.19B
Enterprise Value$2.01B
52W Range37.74 - 101.19
Beta1.27
P/E7.28
P/S1.15
P/B2.03
P/FCF17.54
EV/Sales1.06

Investment DNA

How strong this company looks for long-term investors

79
out of 100
Business Quality
Margins, moat, returns
81/100
Financial Strength
Debt, cash, stability
58/100
Growth Potential
Revenue and expansion
55/100
Price Attractiveness
Cheap or expensive today
93/100
Why this score▼
Stable or improving margins · 14.6%Positive revenue growth · 9.1%Positive free cash flow · 5.46Consistent free cash flow · 5/5Reasonable earnings multiple · 4.92Healthy liquidity · 595.09

Analyst view

Analyst sentiment and price target

ECPG
Analyst sentiment
Based on 15 analyst votes · 2026-09-05
90/100
Bullish
Bullish
12
Hold
3
Bearish
0
Price Target
2026-08-07
Low
$100.00
Mean
$100.00
Median
$100.00
High
$100.00

Company Overview

IPO: 7/9/1999
Industry: Financial - Mortgages
P/B i: 2.03
Debt / Equity i: 4.23
Operating Margin: 35.38%
Net Margin: 14.57%
ROE i: -
ROIC: -

Financial Health

Score12 / 20
Debt / Equity: 4.23
Current Ratio: 595.09
Quick Ratio: 595.09
Status: Good

Warnings

  • High debt level

Insider Transactions

Recent executive and insider activity

Goings William C.
Transaction: 06/22/2026
BUY
Change
+2,144
Price
$83.95
Filing
06/23/2026
Type
BUY
Gupta Ashwini
Transaction: 06/22/2026
BUY
Change
+2,144
Price
$83.95
Filing
06/23/2026
Type
BUY
Hilzinger Jeffrey Albert
Transaction: 06/22/2026
BUY
Change
+2,144
Price
$83.95
Filing
06/23/2026
Type
BUY