Encore Capital Group (ECP) Stock Overview

A specialty finance company, provides debt recovery solutions and other related services for consumers across financial assets worldwide. More details

ECP fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	2/6
Financial Health	2/6
Dividends	0/6

Rewards

Price-To-Earnings ratio (6x) is below the German market (17x)

Became profitable this year

Analysts in good agreement that stock price will rise by 34.4%

Risk Analysis

Earnings are forecast to decline by an average of 2.4% per year for the next 3 years

Interest payments are not well covered by earnings

ECP Community Fair Values

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Encore Capital Group, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Encore Capital Group
Historical stock prices
Current Share Price	US$69.50
52 Week High	US$72.50
52 Week Low	US$44.60
Beta	1.3
1 Month Change	-0.71%
3 Month Change	19.83%
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	51.75%

Recent updates

Shareholder Returns

	ECP	DE Consumer Finance	DE Market
7D	4.5%	0.0005%	-2.9%
1Y	n/a	3.9%	-0.8%

Return vs Industry: Insufficient data to determine how ECP performed against the German Consumer Finance industry.

Return vs Market: Insufficient data to determine how ECP performed against the German Market.

Price Volatility

Is ECP's price volatile compared to industry and market?
ECP volatility
ECP Average Weekly Movement	4.4%
Consumer Finance Industry Average Movement	5.6%
Market Average Movement	5.9%
10% most volatile stocks in DE Market	13.0%
10% least volatile stocks in DE Market	2.7%

Stable Share Price: ECP has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: Insufficient data to determine ECP's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1999	7,350	Ashish Masih	www.encorecapital.com

Encore Capital Group, Inc., a specialty finance company, provides debt recovery solutions and other related services for consumers across financial assets worldwide. The company purchases portfolios of defaulted consumer receivables at discounts to face value, as well as manages them by working with individuals as they repay their obligations and works toward financial recovery. It is also involved in the provision of debt servicing, such as early stage collection, business process outsourcing, and contingent collection services.

Encore Capital Group, Inc. Fundamentals Summary

How do Encore Capital Group's earnings and revenue compare to its market cap?
ECP fundamental statistics
Market cap	€1.49b
Earnings (TTM)	€256.67m
Revenue (TTM)	€1.60b

6.0x

P/E Ratio

1.0x

P/S Ratio

Is ECP overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
ECP income statement (TTM)
Revenue	US$1.85b
Cost of Revenue	US$0
Gross Profit	US$1.85b
Other Expenses	US$1.56b
Earnings	US$296.28m

Last Reported Earnings

Mar 31, 2026

Next Earnings Date

n/a

Earnings per share (EPS)	13.82
Gross Margin	100.00%
Net Profit Margin	16.00%
Debt/Equity Ratio	390.5%

How did ECP perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/06/09 14:18
End of Day Share Price	2026/06/09 00:00
Earnings	2026/03/31
Annual Earnings	2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Encore Capital Group, Inc. is covered by 12 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Iza Rokicka	Biuro maklerskie mBanku
David Scharf	Citizens JMP Securities, LLC
Richard Shane	Jefferies LLC

Encore Capital Group, Inc.DB:ECP Stock Report