Encore Capital Group Inc (ECPG) stock
ECPGNasdaqShort-Term Business Credit InstitutionsFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 4, 2026Score 10/3025% below fair value
$112.35+4.33 (+4.01%)
Close on Nov 11, 2026Market cap $2.38BP/E 7.2Yield –
Encore Capital statistics
83 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Feb 24, 2027 (estimated, after the close)
- Last ex-dividend date
- No dividends
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 11, 2026
Valuation ratiosIndustry
- P/OCF Ratio
- 13.51
- 6.19
Enterprise valuationIndustry
- EV / Sales
- 1.12
- 2.72
- EV / EBIT
- 2.87
- 11.64
- EV / FCF
- 14.69
- 9.30
Share statisticsIndustry
- Shares Change (YoY)
- -4.00%
- 13.6%
- Shares Change (QoQ)
- -1.26%
- 0.11%
- Float
- 20M
- 40M
- Shares Held by Insiders
- 5.23%
- 18.2%
- Shares Held by Institutions
- 105.3%
- 27.7%
Short sellingIndustry
- Short Interest
- 852,726
- –
- Short Interest Change
- -9.33%
- -0.08%
- Short % of Float
- 4.24%
- 6.67%
- Short % of Shares Outstanding
- 4.02%
- 5.45%
- Days to Cover
- 4.26
- 3.79
Stock price statisticsIndustry
- 52-Week High
- $126.74
- –
- 52-Week Low
- $47.49
- –
- 20-Day Moving Average
- $104.30
- –
- 50-Day Moving Average
- $100.71
- –
- 200-Day Moving Average
- $85.32
- –
- Average True Range (14)
- $5.71
- –
- Price Change (1 Week)
- 12.4%
- -5.57%
- Price Change (1 Month)
- 6.39%
- -15.2%
- Price Change (3 Months)
- 10.9%
- -13.4%
- Price Change (6 Months)
- 42.2%
- -26.7%
- Price Change (YTD)
- 106.7%
- -32.7%
- Price Change (1 Year)
- 126.5%
- -50.2%
- Price Change (3 Years)
- 174.6%
- -31.8%
- Price Change (5 Years)
- 90.6%
- -80.5%
- Price Change (10 Years)
- 340.6%
- -58.5%
- Average Volume (10 Days)
- 322,667
- –
- Average Volume (20 Days)
- 265,649
- –
- Average Volume (90 Days)
- 318,394
- –
- Relative Volume
- 0.82
- 0.71
- Relative Strength Index (14)
- 58.1
- 42.0
- Volatility (1 Year)
- 42.6%
- 94.7%
- Beta (5 Years)
- 0.84
- 1.26
MarginsIndustry
- Pretax Margin
- 22.8%
- -9.84%
- EBITDA Margin
- 40.4%
- -64.6%
- FCF Margin
- 7.63%
- -29.5%
Returns on capitalIndustry
- Return on Assets (ROA)
- 6.41%
- -8.61%
Financial positionIndustry
- Interest Coverage
- 2.63
- -7.27
GrowthIndustry
- Revenue Growth (YoY)
- 27.2%
- 15.4%
- FCF Growth (YoY)
- 14.7%
- 16.1%
- Revenue Growth (3Y CAGR)
- 8.15%
- 5.94%
- Revenue Growth (5Y CAGR)
- 3.33%
- 10.7%
- EPS Growth (3Y CAGR)
- 13.5%
- 5.11%
- EPS Growth (5Y CAGR)
- 10.3%
- 8.99%
EfficiencyIndustry
- Asset Turnover
- 0.36
- 0.15
- Revenue Per Employee
- $270.12K
- $645.77K
- Profits Per Employee
- $47.74K
- -$184.58K
- Employee Count
- 7,350
- 47
- WACC
- 9.08%
- 10.9%
Income statement (TTM)Industry
- Pretax Income
- $453.19M
- -$2.89M
Balance sheetIndustry
- Net Cash (Debt)
- $158.43M
- $7.44M
- Net Cash Per Share
- $7.47
- $0.19
Cash flow (TTM)Industry
- Capital Expenditures
- -$24.98M
- -$4.70M
- FCF Per Share
- $7.14
- -$0.20
Dividends and yieldsIndustry
- Earnings Yield
- 14.7%
- -12.9%
- FCF Yield
- 6.36%
- -15.4%
Taxes and interestIndustry
- Interest Expense
- $294.45M
- $4.15M
- Income Tax
- $102.27M
- $214.00K
- Effective Tax Rate
- 22.6%
- 21.3%
Scores and fair valueIndustry
- Altman Z-Score
- 1.41
- 0.32
- Piotroski F-Score
- 6
- 4
- Lynch Fair Value
- $160.92
- –
- Lynch Upside
- 43.2%
- 45.0%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 11, 2026. The S&P 500 is measured by the SPY fund.
| Period | ECPG | S&P 500 | Difference | ECPG per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +12.6% | -2.4% | +15.0 pts | ||
| 3 months | +20.2% | -1.2% | +21.3 pts | ||
| Year to date | +106.7% | +12.3% | +94.4 pts | ||
| 1 year | +126.0% | +12.4% | +113.6 pts | ||
| 3 years | +174.6% | +78.8% | +95.7 pts | +40.0% | +21.4% |
| 5 years | +89.2% | +75.2% | +14.0 pts | +13.6% | +11.9% |
| 10 years | +340.6% | +311.1% | +29.5 pts | +16.0% | +15.2% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
1M ECPG shares were sold short on Oct 30, 2026, down 9.3% from the previous report, or 4.24% of the shares available to trade. At recent volumes it would take 4.3 days to buy them back. Over the last 20 sessions, 62.6% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 852,726 | -9.3% | 200,272 | 4.3 |
| Oct 15, 2026 | 940,490 | -11.1% | 214,435 | 4.4 |
| Sep 30, 2026 | 1,058,393 | -17.4% | 335,552 | 3.1 |
| Sep 15, 2026 | 1,281,330 | +9.3% | 397,238 | 3.2 |
| Aug 31, 2026 | 1,172,035 | +5.0% | 346,328 | 3.4 |
| Aug 14, 2026 | 1,116,737 | +8.9% | 355,926 | 3.1 |
| Jul 31, 2026 | 1,025,394 | -15.2% | 386,107 | 2.7 |
| Jul 15, 2026 | 1,209,090 | -14.5% | 334,927 | 3.6 |
| Jun 30, 2026 | 1,413,612 | +7.1% | 356,734 | 4.0 |
| Jun 15, 2026 | 1,320,039 | -7.5% | 294,974 | 4.5 |
| May 29, 2026 | 1,427,684 | -1.2% | 273,489 | 5.2 |
| May 15, 2026 | 1,445,356 | +0.3% | 401,290 | 3.6 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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