Encore Capital Group Inc (ECPG) Stock Price & Analysis
Encore Capital Group Inc (ECPG) rose 5.28% to USD 90.16 as of July 25, 2026 at 09:50 UTC, according to Nexqual real-time market data.
ECPG last closed at USD 85.63; the session ranged USD 85.67–90.76 on volume of 606,051 shares. Market capitalization is $1.93B, with a 52-week range of USD 35.67–94.6 (NMS). Source: Nexqual, July 25, 2026 at 09:50 UTC.
Key Statistics (as of July 25, 2026 at 09:50 UTC)
| Price | USD 90.16 |
|---|---|
| Change | ▲ 5.28% (up) |
| Previous Close | USD 85.63 |
| Open | USD 85.67 |
| Day Range | USD 85.67 – 90.76 |
| 52-Week Range | USD 35.67 – 94.6 |
| Volume | 606,051 shares |
| Market Cap | $1.93B |
| Exchange | NMS |
Technical Analysis (ECPG)
Nexqual's technical model rates ECPG "BUY" based on 4 bullish and 1 bearish signals across 125 daily candles, as of July 25, 2026 at 09:50 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 54.73 (neutral) |
| vs SMA50 | Above (USD 85.11) |
| MACD | 0.92 (positive) |
Analyst Ratings (ECPG)
Wall Street analysts rate ECPG "Buy" based on 3 analysts, with a mean price target of USD 113.33 (range USD 105–120), per Nexqual as of July 25, 2026 at 09:50 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 3 |
| Mean Target | USD 113.33 |
| High Target | USD 120 |
| Low Target | USD 105 |
| Buy / Hold / Sell | 3 / 1 / 0 |
Earnings (ECPG)
| Next Earnings Date | 2026-08-05 |
|---|---|
| EPS Estimate | USD 2.62 |
| Revenue Estimate | $455.12M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-03-31 | USD 3.91 vs est 2.78 ▲ beat |
| 2025-12-31 | USD 3.48 vs est 1.75 ▲ beat |
| 2025-09-30 | USD 3.18 vs est 1.59 ▲ beat |
| 2025-06-30 | USD 2.52 vs est 1.21 ▲ beat |
Source: Nexqual, July 25, 2026 at 09:50 UTC.
Financials & Fundamentals (ECPG)
| Total Revenue | $1.85B |
|---|---|
| Revenue Growth (YoY) | +21.00% |
| Gross Margin | +100.00% |
| Operating Margin | +38.70% |
| Profit Margin | +16.00% |
| ROE | +31.96% |
| Debt / Equity | 390.51 |
| Current Ratio | 18.24 |
| Total Cash | $227.20M |
| Total Debt | $4.04B |
| Free Cash Flow | $-229.49M |
Source: Nexqual, July 25, 2026 at 09:50 UTC.
Financial Health Score (ECPG)
Nexqual rates Encore Capital Group Inc's overall financial health "Solid" across five dimensions, as of July 25, 2026 at 09:50 UTC.
| Growth | Strong — Revenue +34% YoY (annual) |
|---|---|
| Profitability | Strong — Operating margin 39% |
| Balance Sheet | Weak — $227M cash vs $4.04B debt |
| Cash Flow | Weak — FCF negative: -$229M, burning cash |
| Efficiency | Strong — ROE 32%, ROA 8.2% |
Ownership (ECPG)
| Insider Ownership | +3.85% |
|---|---|
| Institutional Ownership | +110.63% |
| Shares Outstanding | 21.44M |
| Float | 20.94M |
| Short % of Float | +6.97% |
Source: Nexqual, July 25, 2026 at 09:50 UTC.
Leadership (ECPG)
Encore Capital Group Inc is led by Ashish Masih (age 60), President, CEO & Director, per Nexqual as of July 25, 2026 at 09:50 UTC.
| President, CEO & Director | Ashish Masih (age 60) |
|---|---|
| Executive VP, Treasurer & CFO | Tomas C. Hernanz (age 47) |
| President of Midland Credit Management, Inc. | Ryan B. Bell (age 46) |
| President of International & Cabot Credit Management and CEO of Cabot Credit Management | John Yung (age 60) |
| Vice President of Global Investor Relations | Bruce Thomas |
Major Backers & Investors (ECPG)
Notable institutional backers of Encore Capital Group Inc include Stephens Investment Management Group LLC, Goldman Sachs, Wellington Management, according to Nexqual as of July 25, 2026 at 09:50 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Stephens Investment Management Group LLC | 6.07% |
| Goldman Sachs | 3.22% |
| Wellington Management | 2.77% |
| Shaw D.E. & Co., Inc. | 2.44% |
| American Century ETF Trust-Avantis U.S. Small Cap Value ETF | 2.3% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 26.92% |
| Vanguard Group | 19.11% |
| Dimensional Fund Advisors | 4.7% |
| State Street | 3.96% |
| Geode Capital | 2.9% |
Source: Nexqual, July 25, 2026 at 09:50 UTC.
From Encore Capital Group Inc's Latest SEC 10-K Filing (filed 2026-02-25)
Key Strengths & Strategy (as disclosed to the SEC)
- These methods and models generally allow us to value portfolios accurately (limiting the risk of overpaying), avoid buying portfolios that are incompatible with our methods or strategies and align the accounts we purchase with our business channels to maximize future collections.
- These models generally allow us to accurately value portfolios and to develop collection strategies that maximize future returns.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| PRAA | PRA Group, Inc. | USD 16.98 | ▲ 0.47% |
| WRLD | World Acceptance Corporation | USD 204.67 | ▲ 9.63% |
| EFSC | Enterprise Financial Services C | USD 65.99 | ▲ 0.47% |
| EGBN | Eagle Bancorp, Inc. | USD 28.44 | ▲ 5.57% |
| DCOM | Dime Commercial Bancshares, Inc | USD 39.56 | ▲ 0.25% |
Data source: Nexqual — real-time market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: July 25, 2026 at 09:50 UTC. This page is informational and not investment advice.