Loading…
Encore Capital Group, Inc.
NASDAQ: ECPG Financials IT 🔎 Screen
🏹 Trader: 🚀 Stage 2 + Near High 📈 Stage 2 🎯 Near 52W High | BRS 90 Elite View all →
📈 Stage 2 detected Find the fundamental catalyst → → run Growth Triggers in Ask AI
$2.3B
Market Cap
5.0
P/E
0.18
PEG
ROCE
29.5%
ROE
4.10
D/E
OPM
-3.5%
% from 52W High
92
α RS
🔍 ECPG is showing a high-conviction setup because it matches 6 of 37 tracked screener presets, RS Rating is 92 (top decile vs market), and it's within 1.3% of its 52-week high. Net: Broad signal stack, not a recommendation. ? Conviction RS Rating 52W High
Sources
Conviction 6/37 · RS Rating 92 · 1.3% from 52W high
⚖️ Compare 🔒 Generate Report 🔒 Research Packet 📚 Guides
🌏 Global Investor Returns
Currency-adjusted total returns for ECPG including FX impact
🌏
Click 🌏 Returns tab to load data
📈 Price History
Ratio Health
Excellent
Good
Average
Poor
By Category
📊 Sector Averages
About

Encore Capital Group, Inc., a specialty finance company, provides debt recovery solutions and other related services for consumers across financial assets worldwide.

Key Ratios Snapshot
📈 Growth Pattern
📊 Quick Scorecard
Loading…
⭐ Superinvestors Holding ECPG
View All Superinvestors →
Manager Shares Value % of Fund Period
Jim Simons Renaissance Technologies LLC 20.7K $1.5M 0.00% Mar 2026

SEC Form 13F data. 45-day lag from quarter end.

🔒
Premium Feature
AI-generated 10-section company profile — business model, financials, strengths, risks & management quality
Upgrade to Premium
Already a member? Log in
📐
3-Statement Financial Model
Bear / Base / Bull projections · DCF fair value · Reverse-DCF
Open Model →
🎙 Management Tone Confident Specific → Stable 4 quarters Full tone analysis in Intelligence →
📊 MIXED Encore Capital Group posts record collections of $718M in Q1 2026, EPS $3.86
Revenue & Profitability
Net income in Q1 2026 was $86 million, with earnings per share of $3.86 (up 100% YoY). Total revenues grew 21% to $475 million. Collections increased 19% to a record $718 million, and portfolio revenue rose 13% to $390 million. Operating expenses were $281 million (up 11%), and interest expense and other income totaled $72 million. Leverage improved to 2.3x from 2.6x a year ago.
Outlook
Management sees a favorable U.S. market due to near-record revolving credit, elevated charge-off rates (over 4%, highest in 10 years), and stable consumer payment behavior. U.K. supply remains modest due to subdued lending but is stable. Guidance includes global portfolio purchases of $1.4–$1.5 billion, collections of $2.8 billion (up 8%), and EPS of $13 (up 19%) for 2026.
Growth Drivers
Growth is led by the U.S. MCM business, which captured $316 million in portfolio purchases in Q1 and achieved record collections of $556 million (up 23% YoY). Operational improvements, new technologies, and enhanced digital capabilities are boosting early-stage collection performance. Cabot in Europe delivered stable collections of $161 million (up 7% YoY) with a focus on cost management and leverage of MCM best practices.
Balance Sheet & CapEx
Not discussed in specific CapEx terms, but management highlighted ongoing investments in new technologies, enhanced digital capabilities, and AI pilots to improve collections efficiency and operational innovation. These investments are part of a continuous test-and-learn culture.
Margins
Cash efficiency margin improved to 60.9% in Q1 2026, up 2.6 percentage points from Q1 2025. Operating expenses grew only 11% versus 19% collection growth, demonstrating operating leverage. Management expects full-year cash efficiency margin to exceed 58%, with continued cost discipline and productivity gains.
Key Risks
Management flagged macro uncertainty but noted stable consumer payment behavior and resilience despite gas price pressures. Regulatory risks around AI voice tools in collections are being monitored. The company maintains a leveraged balance sheet (2.3x) and operates within a target range of 2x–3x. Seasonality (tax refunds) can impact quarterly cash flows.
Generated by AI · Q1 2026 results · Not investment advice
🔒
Free Account Required

Create a free Finmagine account to access Finmagine™ Scorecard.

See how this company scores across 5 dimensions — Financial Health, Growth Prospects, Competitive Position, Management Quality, and Valuation — powered by 30+ computed ratios.

Create Free AccountLog In
🔒
Premium Feature

Upgrade to Finmagine Premium to unlock Ask AI.

Get 25 expert AI analysis templates — Business KPIs, Comprehensive, Forensic Governance, Peer Comparison, Risk-Reward, Full Research Report, IPO Decoder, Red Flag Detector, and more — ready to paste into ChatGPT, Claude, Gemini, or Perplexity.

Upgrade to PremiumCreate Free Account
🔒
Premium Feature

Upgrade to Finmagine Premium to unlock Peer Comparison.

Compare this company side-by-side against its sector peers with financial metrics, ratio benchmarking, and relative performance across all key dimensions.

Upgrade to PremiumCreate Free Account
✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter
🔍
🔎 See cross-company document search → ?
📞 Earnings Call Transcripts (5)
Q2 2026 Q2 2026 2026-08-05
Record portfolio purchases and collections drove strong Q2 results, with net income up 9% and EPS up 13% year-over-year. A $1 billion refinancing improved leverage and is expected to yield $50 million in annualized savings. Guidance for 2026 was raised for collections and EPS.
Q1 2026 Q1 2026 2026-05-06
Record Q1 2026 collections and net income were driven by strong U.S. performance and operational improvements, with raised full-year guidance for collections and EPS. Portfolio purchases and cash efficiency remain robust, supported by stable consumer behavior and continued tech investments.
Q4 2025 Q4 2025 2026-02-25
Record portfolio purchases and collections in 2025 drove strong earnings and improved leverage, with robust U.S. market conditions and operational innovation supporting a positive 2026 outlook, including 10% EPS growth guidance.
Q3 2025 Q3 2025 2025-11-05
Q3 2025 saw record collections and earnings growth, driven by strong U.S. performance and operational innovation. Portfolio purchases and collections both rose over 20% year-over-year, with guidance raised for 2025. Liquidity and capital allocation remain robust.
Q2 2025 Q2 2025 2025-08-06
Q2 2025 saw record collections and strong earnings growth, with portfolio purchases up 32% and EPS up 86% year-over-year. Raised 2025 collections guidance to 15.5% growth, driven by robust U.S. market conditions and operational excellence.
🔒
Premium Feature

Upgrade to Finmagine Premium to unlock Catalyst Timeline.

Every result, order win, insider trade, ECS update, earnings-call, and SEC announcement for this company — in one chronological lane.

Upgrade to PremiumCreate Free Account
🔒
Premium Feature

Upgrade to Finmagine Premium to unlock Full Report.

Read the complete Finmagine™ investment research report — comprehensive fundamental analysis, business model assessment, competitive positioning, and investment recommendation.

Upgrade to PremiumCreate Free Account

📊 Analysis Methodology

This comprehensive investment analysis was conducted using The Finmagine™ Stock Analysis & Ranking Methodology, a proprietary framework that systematically evaluates stocks across five critical dimensions: Financial Health, Growth Prospects, Competitive Positioning, Management Quality, and Valuation.

🎯
Discover Our Proven Investment Framework Learn how we analyze and rank stocks using advanced quantitative models, multi-dimensional scoring systems, and dynamic discriminatory ranking techniques that have guided successful investment decisions across market cycles.
📊 Explore The Finmagine™ Methodology

A comprehensive, bias-free framework for analyzing and ranking stocks by Financial Strength, Growth Potential, Competitive Edge, Management Quality, and Value.

Financial Model
Projections are built from each company's audited annual financials (Income Statement, Balance Sheet, Cash Flow) over the last 5 fiscal years. Forward assumptions — revenue growth %, EBITDA margin, D&A (USD millions), interest expense, tax rate, and capex — are AI-generated using historical context and refreshed twice a year: after the December results season and after the September/Q4 results season.

DCF Valuation
Fair Value = Σ(FCFt / (1+WACC)t) + Terminal Value. Terminal Value uses the Gordon Growth Model: FCF5 × (1+g) / (WACC−g). Default WACC: 10% (US risk-free ~4.5%, equity risk premium ~5.5%). Default terminal growth: 3% (long-run US nominal GDP proxy).

CAGR Tracker
Expected 5-year CAGR = (DCF Fair Value / Current Price)1/5 − 1. Assumes fair value is reached in exactly 5 years — a mechanical estimate only.

Data Sources & Limitations
Financial statements sourced from public filings. Prices updated daily. Forward assumptions are AI-generated. All monetary values in USD millions. Non-US ADR companies may have currency conversion inaccuracies. Models are point-in-time and do not update intra-quarter or account for M&A, macro shocks, or extraordinary items.

⚠️ Important Disclaimers — Please read without fail.

Investment Risk:
Investing in securities, including US equities and ETFs, involves inherent risks including the potential loss of principal. All investments are subject to market fluctuations, economic conditions, regulatory changes, and other factors that may affect their value. Past performance is not indicative of future results. This analysis is provided for informational and educational purposes only and should not be construed as investment advice under any circumstances.

No Investment Recommendation:
This analysis does not constitute, nor should it be interpreted as, an offer, solicitation, or recommendation to buy, sell, or hold any securities or financial products. Investors are strongly advised to conduct their own independent research and due diligence and to consult with a licensed financial advisor or an SEC-registered investment adviser before making any investment decisions, taking into account their individual financial situation, risk tolerance, and investment objectives.

Not SEC-Registered:
Finmagine is not registered as an investment adviser with the U.S. Securities and Exchange Commission (SEC) or any state securities authority. Nothing on this platform constitutes investment advice as defined under the Investment Advisers Act of 1940.

Conflict of Interest Disclosure:
The author and/or analyst may currently hold or have previously held positions in the securities discussed. Any such positions are not intended to influence the objectivity or independence of the analysis. This research is produced independently and is not sponsored, endorsed, or commissioned by any company or institution.

Information Sources:
The analysis is based on publicly available information including SEC filings (10-K, 10-Q), annual reports, management commentary, and publicly available financial data. Information is believed to be accurate as of the date of publication but may be subject to change without notice. Readers are encouraged to independently verify all information before acting upon it.

Forward-Looking Statements:
This analysis may contain forward-looking statements, forecasts, or projections that are inherently subject to risks, uncertainties, and assumptions. Actual results may differ materially from those expressed or implied. Finmagine does not undertake any obligation to update such statements in the future.

Limitation of Liability:
The content is provided "as is" without any warranties, express or implied. Finmagine expressly disclaims any liability for errors, omissions, or any losses incurred as a result of reliance on the information provided. Readers assume full responsibility for their investment decisions.