ECPGNasdaqShort-Term Business Credit InstitutionsFiscal year ends December 31
ENCORE CAPITAL GROUP INC
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 5, 2026
$100.62−1.06 (-1.04%)
Close on Oct 19, 2026
- Market cap
- $2.29B
- P/E (TTM)
- 7.6
- Dividend yield
- –
Encore Capital statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of Short-Term Business Credit Institutions companies for comparison
Valuation
| Measure | Encore Capital | Industry median |
|---|---|---|
| Market Cap | $2.13B | $196.46M |
| Enterprise Value | $1.95B | $149.54M |
| PE Ratio | 7.62 | 11.82 |
| PS Ratio | 1.12 | 2.60 |
| P/FCF Ratio | 17.05 | 11.82 |
| P/OCF Ratio | 14.10 | 5.60 |
Enterprise value
| Measure | Encore Capital | Industry median |
|---|---|---|
| EV / Sales | 1.03 | 2.38 |
| EV / EBITDA | 2.62 | 5.29 |
| EV / EBIT | 2.72 | 10.12 |
| EV / FCF | 15.59 | 10.53 |
Income (trailing twelve months)
| Measure | Encore Capital | Industry median |
|---|---|---|
| Revenue | $1.90B | $66.09M |
| Operating Income | $717.47M | -$13.30M |
| Pretax Income | $392.26M | -$3.63M |
| Net Income | $301.56M | -$4.73M |
| EBITDA | $745.54M | -$9.63M |
| EPS (Diluted) | $13.21 | -$0.01 |
Margins
| Measure | Encore Capital | Industry median |
|---|---|---|
| Operating Margin | 37.7% | -119.4% |
| Pretax Margin | 20.6% | -16.6% |
| Profit Margin | 15.9% | -19.9% |
| EBITDA Margin | 39.2% | -66.1% |
| FCF Margin | 6.58% | -29.5% |
Returns
| Measure | Encore Capital | Industry median |
|---|---|---|
| Return on Assets (ROA) | 5.61% | -11.1% |
Growth
| Measure | Encore Capital | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 29.5% | 20.3% |
| FCF Growth (YoY) | 30.1% | 18.7% |
| Revenue Growth (3Y CAGR) | 8.15% | 5.87% |
| Revenue Growth (5Y CAGR) | 3.33% | 10.4% |
| EPS Growth (3Y CAGR) | 13.5% | 5.11% |
| EPS Growth (5Y CAGR) | 10.3% | 8.99% |
Balance sheet
| Measure | Encore Capital | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $182.93M | $20.41M |
| Net Cash (Debt) | $182.93M | $7.08M |
| Net Cash Per Share | $8.63 | $0.22 |
Financial position
| Measure | Encore Capital | Industry median |
|---|---|---|
| Interest Coverage | 2.42 | -7.69 |
Cash flow (trailing twelve months)
| Measure | Encore Capital | Industry median |
|---|---|---|
| Operating Cash Flow | $151.34M | -$5.82M |
| Capital Expenditures | -$26.20M | -$4.19M |
| Free Cash Flow | $125.14M | -$17.98M |
| FCF Per Share | $5.90 | -$0.27 |
Efficiency
| Measure | Encore Capital | Industry median |
|---|---|---|
| Asset Turnover | 0.35 | 0.17 |
| Revenue Per Employee | $258.67K | $705.30K |
| Profits Per Employee | $41.03K | -$252.56K |
| Employee Count | 7,350 | 48 |
Dividends and yields
| Measure | Encore Capital | Industry median |
|---|---|---|
| Earnings Yield | 14.1% | -11.5% |
| FCF Yield | 5.86% | -16.1% |
Shares
| Measure | Encore Capital | Industry median |
|---|---|---|
| Shares Outstanding | 21,209,400 | 55,074,600 |
| Shares Change (YoY) | -3.56% | 12.9% |
| Shares Change (QoQ) | -1.35% | 0.22% |
| Float | 20,099,600 | 41,965,050 |
| Shares Held by Insiders | 5.23% | 18.6% |
| Shares Held by Institutions | 105.3% | 34.2% |
Taxes
| Measure | Encore Capital | Industry median |
|---|---|---|
| Income Tax | $90.70M | $100.87K |
| Effective Tax Rate | 23.1% | 22.5% |
Scores
| Measure | Encore Capital | Industry median |
|---|---|---|
| Altman Z-Score | 1.36 | 0.30 |
| Piotroski F-Score | 6 | 4 |
Calculated by StockData from Encore Capital's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.