ENCORE CAPITAL GROUP INC (ECPG)
Financials · Debt Recovery and Receivables Management · NASDAQ
International debt recovery specialist that purchases portfolios of defaulted consumer receivables at steep discounts and recovers them through proprietary analytics, digital collections, and legal actions.
What ENCORE CAPITAL GROUP INC does
Encore Capital Group is an international specialty finance company that primarily purchases portfolios of defaulted consumer receivables at deep discounts to face value and manages recovery through collections operations. The company operates through two main segments: Midland Credit Management (MCM) in the United States and Cabot Credit Management in Europe/UK, both market leaders in their regions. The company also provides debt servicing and portfolio management services to credit originators for non-performing loans, and has additional emerging operations in India and Mexico. Revenue is generated primarily through portfolio revenue from owned receivables and changes in recoveries, supplemented by servicing revenue.
Themes: ["Debt recovery / collections","Specialty finance / asset management","Defaulted receivables purchasing","Digital collections technology","Consumer financial distress recovery"]
Fundamentals
- Price$91.86 as of 2026-07-09 close
- Market cap$1.9B as of 2026-07-10
- 1-year return+124.0% as of 2026-07-09 close
- P/E6.47 as of 2026-07-10
- Net margin+16.0% as of 2026-07-10
- Gross margin+80.3% as of 2026-07-10
- ROE+30.7% as of 2026-07-10
- Debt / equity3.90 as of 2026-07-10
- Revenue growth (YoY)+34.1% as of 2026-07-10
- Revenue CAGR (3y)+8.1% SEC XBRL
- Beta1.28 as of 2026-07-10
Key risks (from latest filing)
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Competitors & peers
- Oportun
- Elevate Credit
- Maximus
- CURO Group
- Url Finance
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.