YOLFTbeta
Encore Capital Group Inc

Encore Capital Group Inc

ECPG · NASDAQ · Financial Services / Credit Services

109.49USD-0.37 (-0.34%)

Price History

Full chart

Market Stats

Previous Close109.86
Open108.98
Day Range107.76 – 110.50
52-Week Range47.49 – 126.74
Volume156.00K
Market Cap2.29B
P/E (TTM)7.07
Forward P/E5.54
EPS15.55
Dividend Yield0.00%
Beta1.31
50-Day Avg100.71
200-Day Avg85.32

About

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. In addition, the company engages in debt servicing and other portfolio management services to credit originator for non-performing loans. Further, it offers credit management services. Encore Capital Group, Inc. was incorporated in 1999 and is headquartered in San Diego, California.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. Ashish Masih
  • Employees7.35K
  • Headquarters350 Camino De La Reina, San Diego, CA, United States, 92108, USA
  • Websitehttps://www.encorecapital.com

Leadership

  • Mr. Ashish MasihPresident, CEO & Director · b. 1965
  • Mr. Tomas C. HernanzExecutive VP, Treasurer & CFO · b. 1978
  • Mr. Andrew E. Asch J.D.Senior VP, General Counsel, Government Affairs & Corporate Secretary · b. 1974
  • Mr. Ryan B. BellPresident of Midland Credit Management, Inc. · b. 1979
  • Mr. John YungPresident of International & Cabot Credit Management and CEO of Cabot Credit Management · b. 1965
  • Ms. Monique Dumais-ChrisopeSenior VP & Chief Information Officer
  • Mr. Bruce ThomasVice President of Global Investor Relations
  • Mr. Steve CarmichaelSenior VP and Chief Risk, Strategy & Compliance Officer
  • Mr. Mike MerleSenior VP & Chief Human Resources Officer

Financials

Income Statement

Currency: USD1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue26.90M28.20M36.56M47.84M90.38M117.50M178.47M221.84M255.14M254.01M255.89M316.42M364.29M448.75M556.78M773.36M1.04B1.13B1.03B1.19B1.36B1.40B1.50B1.61B1.40B1.22B1.32B1.76B
Growth (%)-+4.83%+29.65%+30.87%+88.90%+30.01%+51.89%+24.29%+15.01%-0.44%+0.74%+23.65%+15.13%+23.18%+24.07%+38.90%+34.92%+8.29%-8.91%+15.33%+14.74%+2.62%+7.42%+7.53%-13.39%-12.56%+7.66%+33.89%
Cost of Revenue1.90M5.50M29.76M38.59M18.96M27.16M28.20M69.35M52.08M100.17M119.84M84.04M205.55M249.02M285.12M385.10M477.95M529.99M518.09M559.50M622.22M642.90M667.00M686.51M628.65M651.44M712.80M546.73M
Gross Profit25.00M22.70M36.56M47.84M71.42M90.34M150.27M152.49M203.06M153.84M255.89M316.42M158.75M199.73M271.66M388.27M565.48M599.98M511.17M627.53M739.81M754.78M834.40M927.98M769.70M571.24M603.56M1.22B
Gross Margin92.94%80.50%100.00%100.00%79.02%76.88%84.20%68.74%79.59%60.57%100.00%100.00%43.58%44.51%48.79%50.21%54.19%53.10%49.66%52.87%54.32%54.00%55.57%57.48%55.04%46.72%45.85%68.98%
Operating Expense9.50M20.70M59.65M46.82M43.90M47.82M76.79M68.47M131.45M101.68M216.90M249.78M64.41M79.55M116.58M189.91M257.01M317.73M269.65M303.00M334.51M308.44M300.84M294.71M307.53M554.70M446.23M592.22M
Operating Income15.50M2.00M-23.09M1.02M27.51M42.52M73.49M84.01M71.61M52.16M38.99M66.64M94.34M120.18M155.08M198.36M308.47M282.25M241.51M324.54M405.30M446.35M533.56M633.27M462.17M16.54M157.33M623.56M
Operating Margin57.62%7.09%-63.15%2.13%30.44%36.19%41.17%37.87%28.07%20.54%15.24%21.06%25.90%26.78%27.85%25.65%29.56%24.98%23.46%27.34%29.76%31.93%35.54%39.22%33.05%1.35%11.95%35.38%
EBITDA16.20M900.00K-19.74M5.11M30.74M46.02M75.62M87.61M76.84M56.73M46.93M72.50M96.24M122.61M159.44M203.16M326.63M305.86M277.99M375.36M435.07M460.04M535.03M656.27M510.72M63.35M174.00M652.54M
EBITDA Margin60.22%3.19%-53.99%10.67%34.01%39.16%42.37%39.49%30.12%22.33%18.34%22.91%26.42%27.32%28.64%26.27%31.30%27.07%27.01%31.62%31.94%32.91%35.64%40.65%36.52%5.18%13.22%37.02%
Net Income7.30M-100.00K-23.73M-10.87M13.79M18.42M23.18M31.09M24.01M15.04M13.85M33.05M49.05M60.96M69.48M75.30M103.73M45.13M76.57M83.23M115.89M167.87M211.85M350.78M194.56M-206.49M-139.24M256.83M
Net Income Margin27.14%-0.35%-64.91%-22.71%15.26%15.68%12.99%14.02%9.41%5.92%5.41%10.44%13.46%13.58%12.48%9.74%9.94%3.99%7.44%7.01%8.51%12.01%14.11%21.73%13.91%-16.89%-10.58%14.57%
R&D-------------000000.060.110.110.140.190.280.230.15--
R&D as % of Total Revenue-------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%--
Interest Expense000018.59M20.48M35.33M32.72M31.03M13.90M20.57M16.16M17.68M19.28M23.27M68.75M157.89M174.76M185.75M204.16M237.35M217.77M209.36M169.65M153.31M201.88M252.54M287.63M
Interest Expense % of Total Revenue0.00%0.00%0.00%0.00%20.57%17.43%19.80%14.75%12.16%5.47%8.04%5.11%4.85%4.30%4.18%8.89%15.13%15.47%18.05%17.20%17.43%15.58%13.94%10.51%10.96%16.51%19.19%16.32%

Balance Sheet

Currency: USD1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets34.80M101.50M71.10M77.71M89.97M138.28M201.14M361.20M395.34M483.50M549.30M595.16M736.47M812.48M1.17B2.69B3.75B4.22B3.67B4.49B4.63B4.91B4.86B4.61B4.51B4.63B4.79B5.34B
Total Liabilities20.90M68.50M61.02M80.07M70.43M66.91M105.13M242.85M244.20M311.98M353.41M352.07M433.77M440.95M765.52M2.08B3.09B3.57B3.07B3.77B3.81B3.88B3.64B3.42B3.33B3.69B4.02B4.36B
Total Equity13.90M33.00M10.08M-2.36M19.54M71.37M96.02M118.35M151.14M171.52M195.89M243.09M302.70M371.54M405.82M571.90M632.07M648.49M600.51M723.91M819.69M1.03B1.22B1.19B1.18B936.54M767.33M976.75M
Cash4.70M400.00K888.00K1.41M752.00K38.61M49.73M7.03M10.79M4.90M10.34M8.39M10.90M8.05M17.51M126.21M124.16M153.59M149.76M212.14M157.42M192.34M189.18M189.65M143.91M158.36M199.87M156.78M
Total Debt7.50M48.70M55.50M70.45M48.03M41.64M66.83M198.12M200.13M272.42M311.32M303.07M385.26M388.95M706.04M1.85B2.77B3.80B3.49B4.41B4.71B4.76B3.28B3.00B2.90B3.32B3.67B4.13B
Net Debt2.80M48.30M54.62M69.04M47.28M3.03M17.10M191.09M189.34M267.52M300.98M294.69M374.36M380.90M688.53M1.72B2.65B3.06B2.66B3.23B3.33B3.32B3.09B2.81B2.75B3.16B3.47B3.98B

Cash Flow

Currency: USD1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow3.40M-3.40M-12.44M8.85M24.69M33.97M36.41M31.23M38.03M15.83M63.07M76.12M73.45M84.58M98.52M74.78M111.54M116.15M130.33M123.82M186.79M244.73M312.86M303.05M210.68M152.99M156.17M153.20M
Investing Cash Flow9.20M-59.50M9.01M-21.77M-11.16M-19.47M-50.16M-144.34M-37.19M-95.06M-107.25M-79.17M-142.81M-88.09M-343.77M-217.24M-755.20M-472.71M-168.79M-452.13M-397.52M-202.33M82.83M339.90M-130.24M-401.94M-440.43M-242.59M
Financing Cash Flow-8.40M58.60M3.97M13.44M-14.19M23.36M24.86M110.41M2.93M73.33M45.85M1.10M71.87M651.00K254.71M245.98M626.32M400.12M43.25M378.22M166.38M-19.77M-403.20M-655.69M-107.44M268.30M317.77M44.85M
Capital Expenditure2.80M4.10M786.00K428.00K749.00K1.01M2.52M2.86M2.43M1.42M2.28M4.63M2.72M5.56M6.26M13.42M23.08M28.62M31.67M28.13M67.47M39.60M34.60M33.37M76.56M51.71M29.22M26.27M
Free Cash Flow600.00K-7.50M-13.22M8.43M23.94M32.96M33.89M28.36M35.60M14.41M60.80M71.48M70.73M79.02M92.25M61.35M88.46M87.53M98.66M95.69M119.32M205.13M278.26M269.68M134.12M101.28M126.95M126.93M
Dividends Paid----250.00K374.00K-------00000029.73M234.10M-------
FCF to OCF17.65%220.59%106.32%95.17%96.97%97.01%93.07%90.83%93.61%91.02%96.39%93.91%96.29%93.42%93.64%82.05%79.31%75.36%75.70%77.28%63.88%83.82%88.94%88.99%63.66%66.20%81.29%82.85%
Dividend Paid to FCF----1.04%1.13%-------0.00%0.00%0.00%0.00%0.00%0.00%31.07%196.20%-------

Earnings

Report DateNov 2, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Dec 31, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Dec 31, 2002May 28, 2003Aug 3, 2003Nov 12, 2003Mar 2, 2004May 4, 2004Aug 3, 2004Oct 28, 2004Mar 3, 2005May 9, 2005Aug 4, 2005Nov 3, 2005Mar 15, 2006May 9, 2006Aug 3, 2006Nov 2, 2006Feb 28, 2007May 8, 2007Aug 8, 2007Oct 25, 2007Feb 19, 2008May 1, 2008Aug 4, 2008Oct 28, 2008Feb 11, 2009Apr 29, 2009Jul 30, 2009Oct 28, 2009Feb 8, 2010Apr 27, 2010Aug 2, 2010Oct 26, 2010Feb 14, 2011Apr 27, 2011Aug 1, 2011Oct 26, 2011Feb 9, 2012May 9, 2012Aug 2, 2012Nov 1, 2012Feb 13, 2013May 9, 2013Aug 8, 2013Nov 7, 2013Feb 25, 2014May 8, 2014Aug 7, 2014Nov 6, 2014Feb 26, 2015May 7, 2015Aug 10, 2015Nov 5, 2015Feb 24, 2016May 10, 2016Aug 4, 2016Nov 9, 2016Feb 23, 2017May 4, 2017Aug 3, 2017Nov 2, 2017Feb 21, 2018May 8, 2018Aug 8, 2018Nov 7, 2018Feb 27, 2019May 8, 2019Aug 7, 2019Nov 6, 2019Feb 26, 2020May 11, 2020Aug 5, 2020Nov 2, 2020Feb 24, 2021May 5, 2021Aug 4, 2021Nov 3, 2021Feb 23, 2022May 4, 2022Aug 3, 2022Nov 2, 2022Feb 22, 2023May 3, 2023Aug 2, 2023Nov 1, 2023Feb 21, 2024May 8, 2024Aug 7, 2024Nov 6, 2024Feb 19, 2025May 7, 2025Aug 6, 2025Nov 5, 2025Feb 25, 2026May 6, 2026Aug 5, 2026Nov 4, 2026
EPS Estimate0.070.18------------0.150.140.200.210.220.220.370.280.340.330.340.250.250.200.22-0.040.240.230.240.300.280.210.120.280.280.320.390.430.440.470.540.590.600.650.660.690.810.780.790.820.931.011.051.071.101.131.201.251.311.351.261.201.240.670.930.820.910.941.021.161.181.231.201.301.391.450.942.302.172.132.092.082.142.152.092.001.741.471.020.921.131.220.761.181.421.450.991.211.922.172.783.073.45
EPS Actual0.070.10-2.17-0.08-0.52-0.54-0.15-0.310.010.040.130.570.430.170.150.190.200.240.250.240.320.340.330.320.230.320.220.280.24-0.040.270.210.320.310.16-0.250.380.280.370.340.440.470.490.560.540.580.600.670.440.820.820.790.860.850.991.051.021.101.131.171.191.271.301.311.311.290.140.720.950.881.151.050.981.331.191.451.461.281.641.56-0.194.342.311.302.973.313.112.536.402.291.22-3.110.911.080.72-0.571.021.391.26-4.261.942.523.173.483.912.815.57
Surprise0.00%-44.44%------------0.00%35.71%0.00%14.29%13.64%9.09%-13.51%21.43%-2.94%-3.03%-32.35%28.00%-12.00%40.00%9.09%0.00%12.50%-8.70%33.33%3.33%-42.86%-219.05%216.67%0.00%32.14%6.25%12.82%9.30%11.36%19.15%0.00%-1.69%0.00%3.08%-33.33%18.84%1.23%1.28%8.86%3.66%6.45%3.96%-2.86%2.80%2.73%3.54%-0.83%1.60%-0.76%-2.96%3.97%7.50%-88.71%7.46%2.15%7.32%26.37%11.70%-3.92%14.66%0.85%17.89%21.67%-1.54%17.99%7.59%-120.21%88.70%6.45%-38.97%42.11%59.13%45.33%17.67%206.22%14.50%-29.89%-311.56%-10.78%17.39%-36.28%-146.72%34.21%17.80%-11.27%-394.01%95.96%108.26%65.10%60.43%40.65%-8.47%61.45%
TimingPre-marketAfter-hours------------After-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hours-Pre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap2.29B
Enterprise Value6.42B
Trailing P/E7.07
Forward P/E5.54
PEG Ratio0.17
Price / Sales1.15
Price / Book2.17
EPS15.55
Book Value51.51
Revenue (TTM)1.99B
Gross Profit (TTM)1.99B
EBITDA802.91M
Profit Margin17.67%
Operating Margin39.03%
Return on Equity34.54%
Return on Assets8.85%
Shares Outstanding20.87M
Shares Float20.23M
Beta1.31
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Analyst Ratings

Buy
Based on 4 analystsTarget 131.33
  • Strong Buy
    2
  • Buy
    1
  • Hold
    1

Ownership Breakdown

Institutions
109.93%
Insiders
3.97%
Retail / Other
0.00%

Top Institutional Holders

  • BlackRock Inc
    3.68M17.63%
  • Vanguard Portfolio Management, LLC
    1.31M6.29%
  • Dimensional Fund Advisors, Inc.
    1.11M5.31%
  • Vanguard Capital Management, LLC
    911.28K4.37%
  • State Street Corp
    856.21K4.10%
  • Geode Capital Management, LLC
    639.84K3.07%
  • American Century Companies Inc
    631.82K3.03%
  • Arrowstreet Capital Limited Partnership
    527.08K2.53%
  • AQR Capital Management LLC
    490.10K2.35%
  • Allianz Asset Management AG
    437.57K2.10%
  • JPMorgan Chase & Co
    436.18K2.09%
  • Wellington Management Company LLP
    426.07K2.04%
  • Driehaus Capital Management LLC
    409.92K1.96%
  • Charles Schwab Investment Management Inc
    398.54K1.91%
  • Heartland Advisors Inc
    362.82K1.74%

Top Fund Holders

  • iShares Core S&P Small-Cap ETF
    1.28M6.11%
  • Avantis US Small Cap Value ETF
    662.30K3.17%
  • Vanguard MStar Total Stk Mkt Idx Invest
    644.33K3.09%
  • iShares Russell 2000 ETF
    548.27K2.63%
  • Vanguard Small Cap Index
    453.72K2.17%