ENCORE CAPITAL GROUP INC
Close on Oct 19, 2026
- Market cap
- $2.29B
- P/E (TTM)
- 7.6
- Dividend yield
- –
About Encore Capital
Short-Term Business Credit Institutions, SIC 6153
Encore Capital Group is an international specialty finance company that provides debt recovery solutions and portfolio management services. It primarily purchases portfolios of defaulted consumer receivables at deep discounts from credit originators, including commercial retailers, banks, consumer finance firms, and credit unions. Through Midland Credit Management in the United States and Cabot Credit Management in Europe and the United Kingdom, the company works with individuals toward financial resolution via structured repayment plans, call centers, digital channels, direct mail, and legal action. In Europe, it additionally offers business process outsourcing, contingent collections, and loan servicing to originators of non-performing loans.
The company's core operations are concentrated in the United States and the United Kingdom, alongside targeted market development in France and Spain. Its international operational presence also extends to call and operations centers in Costa Rica and India, as well as an investment portfolio in Mexico. Corporate headquarters are situated in San Diego, California.
Summary of the business section of Encore Capital's latest annual report, written by StockData.
Company profile
Company
- Legal name
- ENCORE CAPITAL GROUP INC
- Founded
- 1953
- Headquarters
- San Diego, CA
- Address
- 350 Camino De La Reina, Suite 100 92108
- Phone
- 1-877-345-3002
- Website
- encorecapital.com
- Employees
- 7,350, Dec 31, 2025
- Industry
- Short-Term Business Credit Institutions
- Incorporated in
- Delaware
- Fiscal year ends
- December 31
- Auditor
- BDO USA, P.C., San Diego, California
Stock & identifiers
- Ticker
- ECPG
- Exchange
- Nasdaq
- IPO date
- Jul 9, 1999
- Shares outstanding
- 21M, Jul 29, 2026
- Public float
- $876.50M, Jun 30, 2025
- Filer category
- Large accelerated filer
- SEC CIK
- 1084961
- CUSIP
- 292554102
- ISIN
- US2925541029
- LEI
- 5493000UVC6H49CIH830
- EIN
- 48-1090909
Executives and directors
Officers and directors who filed ownership reports (Forms 3, 4, 5) in the last two years
| Name | Position | Shares owned |
|---|---|---|
| Ashish Masih | President and CEO, Director | 415,271 |
| John Yung | President, Intl. and Cabot | 62,570 |
| Andrew Eric Asch | SVP, General Counsel | 21,607 |
| Tomas Cruz Hernanz | EVP, CFO & TREASURER | 36,721 |
| Ryan B. Bell | President, MCM | 61,208 |
| Jonathan C. Clark | EVP, CFO & Treasurer | 185,110 |
| Ashwini Gupta | Director | 105,927 |
| Robert William Beck | Director | 1,462 |
| Richard P. Stovsky | Director | 29,562 |
| Laura Olle | Director | 37,168 |
| Michael P. Monaco | Director | 42,256 |
| William C. Goings | Director | 15,144 |
| Jeffrey Albert Hilzinger | Director | 26,475 |
| A. Knight Angela | Director | 26,475 |
| Wendy Hannam | Director | 42,849 |
CEO pay and shareholder return
Pay versus performance table from the proxy statement
| Fiscal year | CEO total pay | CEO pay actually paid | Other executives (avg) | Value of $100 invested | Peer group |
|---|---|---|---|---|---|
| FY2025 Mr. Masih | $8.11M | $13.29M | $2.14M | $140 | $76 |
| FY2024 Mr. Masih | $5.34M | $3.64M | $2.17M | $123 | $59 |
| FY2023 Mr. Masih | $5.02M | $5.46M | $1.96M | $130 | $64 |
| FY2022 Mr. Masih | $5.10M | $2.94M | $1.65M | $123 | $64 |
| FY2021 Mr. Masih | $4.60M | $8.67M | $2.01M | $159 | $89 |
| FY2020 Mr. Masih | $4.34M | $5.14M | $2.08M | $110 | $89 |
“Actually paid” adjusts reported pay for changes in the value of equity awards. Shareholder return assumes $100 invested at the start of the measurement period, as disclosed by the company.
Employees
Headcount reported in annual reports
“As of December 31, 2025, we had approximately 7,350 employees, of which approximately 21% were in the United States and 79% were in our international locations.”
Corporate history
Events identified from SEC filings