Touchstone
Last syncOct 31, 2026, 6:54 PM ET

ECPG

Encore Capital Group Inc Financials Short-Term Business Credit Institutions Russell 3000
$99.98Close $2.2BMarket cap $40.90 – $105.6052-week range Nov 4, 2026Next report · after the close

Highlights

Strengths

  • In a stage-2 uptrend all 8 trend conditions pass
  • Leading the market RS 93 · stronger than 93% of stocks over 12 months
  • Volume drying up last 10 days 29% under the 50-day average

Cautions

  • Results soon Nov 4, 2026, in 3 days

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Aug 5, 2026
Off 12-month high 5%
1wk up 2.3% price change
1mo up 5.9% price change
12-month return up 144% market up 11% · its own up 127%
F-score — — Not assessed
Altman Z — Unknown
P/E 8.4× price / earnings
PEG — P/E / EPS growth
P/B 2.2× price / book
Earnings yield — EBIT / enterprise value
Cheaper than — of the market · not assessed
Revenue growth up 4% year on year
EPS growth up 13% latest quarter · -88 pts
Sales growth down 18% latest quarter · -10 pts
ROE up 29% return on equity
Free cash margin —
D/E 4.10 long-term debt / equity
Net debt / EBITDA —
Interest cover —EBIT / interest

Trade setup

ATR% 3.3% $3.30 a day · 2×ATR $93.38
RS 93 / 99 vs the universe
Trend 8 / 8 trend template
Relative volume 0.8× vs 50-day average
Up/down volume 1.20 50 sessions
Implied move — no option chain · report Nov 4, 2026
Trend template · 8 of 8

Screen verdict

Did not qualify for any screen.

Warning signs

none flagged
  • No restatement or impairment
  • Equity positive
  • No material dilution
  • Margins and revenue not shrinking
Last reported Aug 5, 2026
Results reaction Aug 5, 2026+3% vs market2 sessions after results

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $88.4M +4% on FY2024
$0 $200M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $115.1M FY2021 · $120.8M FY2022 · $94.9M FY2023 · $83.1M FY2024 · $84.8M FY2025 · $88.4M
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $257.0M back to a profit
-$250M $0 $500M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $211.8M FY2021 · $351.0M FY2022 · $195.0M FY2023 · -$206.0M FY2024 · -$139.0M FY2025 · $257.0M
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Net 291%
-250% 0% 500% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Net 184% FY2021 · Net 291% FY2022 · Net 205% FY2023 · Net -248% FY2024 · Net -164% FY2025 · Net 291%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology
  • Cash
  • Long-term debt
$0 $5B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Cash $189.2M · Long-term debt $3.3B FY2021 · Cash $189.6M · Long-term debt $3.0B FY2022 · Cash $143.9M · Long-term debt $2.9B FY2023 · Cash $158.4M · Long-term debt $3.3B FY2024 · Cash $199.9M · Long-term debt $3.7B FY2025 · Cash $156.8M · Long-term debt $4.0B
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 21.69m -30.8% since FY2020
31.34m 21.69m FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · 31.34m FY2021 · 24.54m FY2022 · 23.32m FY2023 · 23.55m FY2024 · 23.69m FY2025 · 21.69m
  FY2020Dec 31, 2020 FY2021Dec 31, 2021 FY2022Dec 31, 2022 FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $115.1M $120.8M $94.9M $83.1M $84.8M $88.4M
Operating income $533.6M $633.3M $462.2M $16.5M $157.3M $626.6M
Net income $211.8M $351.0M $195.0M -$206.0M -$139.0M $257.0M
Net margin 184% 291% 205% -248% -164% 291%
Earnings per share $6.68 $11.27 $7.47 -$8.70 -$5.82 $10.92
Cash $189.2M $189.6M $143.9M $158.4M $199.9M $156.8M
Long-term debt $3.3B $3.0B $2.9B $3.3B $3.7B $4.0B
Shareholders' equity $1.2B $1.2B $1.2B $936.5M $767.3M $976.8M
Shares outstanding 31.34m 24.54m 23.32m 23.55m 23.69m 21.69m

Filings

SEC EDGAR
FiledReportPeriod to Lag
Aug 5, 2026 Quarterly ↗ Jun 30, 2026 36d
May 6, 2026 Quarterly ↗ Mar 31, 2026 36d
Feb 25, 2026 Annual ↗ Dec 31, 2025 56d
Nov 5, 2025 Quarterly ↗ Sep 30, 2025 36d
Aug 6, 2025 Quarterly ↗ Jun 30, 2025 37d
May 7, 2025 Quarterly ↗ Mar 31, 2025 37d
Feb 26, 2025 Annual ↗ Dec 31, 2024 57d
Nov 6, 2024 Quarterly ↗ Sep 30, 2024 37d
Aug 7, 2024 Quarterly ↗ Jun 30, 2024 38d
May 8, 2024 Quarterly ↗ Mar 31, 2024 38d
Feb 21, 2024 Annual ↗ Dec 31, 2023 52d
Nov 1, 2023 Quarterly ↗ Sep 30, 2023 32d

Current reports

FiledDisclosed
Aug 19, 2026 Director or officer change ↗
Aug 5, 2026 Results ↗
Jul 22, 2026 Regulation FD · Other events ↗
Jun 16, 2026 Director or officer change · Charter or bylaws · Shareholder vote ↗
May 29, 2026 Material agreement · New obligation ↗
May 26, 2026 Material agreement · New obligation ↗
May 14, 2026 Other events ↗
May 12, 2026 Other events ↗
May 6, 2026 Results ↗
Mar 20, 2026 Director or officer change · Charter or bylaws ↗
Feb 25, 2026 Results ↗
Nov 5, 2025 Regulation FD ↗