Encore Capital Group Inc (ECPG)
Encore Capital Group Inc brought in $2B of revenue over the twelve months to September 30, 2026, up 27.2% from a year earlier. Net income was $350.9M, a net margin of 17.7%. Operating cash flow minus capital spending left $126.9M of free cash flow in fiscal 2025. At September 30, 2026 it held $158.4M in cash against $4.2B of debt. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 4, 2026.
Key facts about Encore Capital Group Inc
- Net worth
- Encore Capital Group Inc has a market value (market cap) of $2.4B at the latest share price, and shareholders' equity of $1.1B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Revenue and profit
- In fiscal 2025 revenue was $1.8B (+34.4% year on year), with net income of $256.8M. Over the 12 months to September 30, 2026: revenue $2B, net income $350.9M.
- Cash flow
- In fiscal 2025 operations brought in $153.2M of cash; after $26.3M of capital spending, free cash flow was $126.9M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 4, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Encore Capital Group Inc's next report is expected around February 24, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
What Encore Capital Group Inc does
Encore Capital Group Inc is registered with the SEC under industry code SIC 6153 (Short-Term Business Credit Institutions). Its shares trade on NASDAQ under the ticker ECPG.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $1.8B | $256.8M | $10.91 | $126.9M |
| 2024 | $1.3B | -$139.2M | -$5.83 | $127.2M |
| 2023 | $1.2B | -$206.5M | -$8.72 | $128.2M |
| 2022 | $1.4B | $194.6M | $7.46 | $173.5M |
| 2021 | $1.6B | $350.8M | $11.26 | $269.7M |
| 2020 | $1.5B | $211.8M | $6.68 | $278.3M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where ECPG ranks in Finance
Latest SEC filings
What Encore Capital Group Inc has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 4, 2026Quarterly report 10-Q · period to September 30, 2026Revenue rose 18% to $544.5M versus the same quarter last year; diluted EPS $5.57 versus $3.17.
- November 4, 2026
- October 8, 2026Passive stake (5% or more) SCHEDULE 13G
- August 19, 2026
- August 7, 2026Passive stake changed SCHEDULE 13G/A
- August 5, 2026Quarterly report 10-Q · period to June 30, 2026Revenue rose 11% to $491.9M versus the same quarter last year; diluted EPS $2.81 versus $2.49.
- August 5, 2026
- July 22, 2026
- June 16, 2026
- May 29, 2026
What is ECPG worth? A DCF from its reported cash flow
Insider trades
What the people running Encore Capital Group Inc did with its shares, from the Form 4 filings they must send the SEC within two business days.
No insider bought or sold shares on the open market in the last 90 days. The 2 reported changes were pay in shares, option exercises, shares withheld for tax or gifts.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| September 1, 2026 | Gupta AshwiniDirector | Received as pay | 291 | $27.1K |
| August 26, 2026 | Beck Robert WilliamDirector | Received as pay | 1,462 | $146.4K |
| June 22, 2026 | Monaco Michael PDirector | Received as pay | 2,144 | $180K |
| June 22, 2026 | Gupta AshwiniDirector | Received as pay | 2,144 | $180K |
| June 22, 2026 | Olle LauraDirector | Received as pay | 2,144 | - |
| June 22, 2026 | Goings William C.Director | Received as pay | 2,144 | $180K |
| June 22, 2026 | Hilzinger Jeffrey AlbertDirector | Received as pay | 2,144 | $180K |
| June 22, 2026 | Stovsky Richard PDirector | Received as pay | 2,144 | $180K |
Who owns ECPG
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Vanguard Portfolio Management13G, passive | 5.93% | April 29, 2026 |
| Vanguard Capital Management13G, passive | 5.13% | April 29, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 285 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| BlackRock, Inc. | 3,679,162 | -214,313 |
| Vanguard Portfolio Management LLC | 1,311,523 | +68,841 |
| Dimensional Fund Advisors LP | 1,047,576 | +40,553 |
| Vanguard Capital Management LLC | 911,277 | -24,781 |
| State Street Corp | 856,207 | +6,748 |
| Geode Capital Management, LLC | 639,836 | +17,252 |
| American Century Companies Inc | 631,819 | +466,987 |
| Arrowstreet Capital, Limited Partnership | 527,078 | +193,060 |
| Aqr Capital Management LLC | 490,098 | +26,801 |
| Jpmorgan Chase & Co | 436,176 | -13,270 |
| Wellington Management Group Llp | 426,069 | -168,305 |
| Driehaus Capital Management LLC | 409,924 | new |
| Charles Schwab Investment Management Inc | 398,539 | -48,542 |
| Heartland Advisors Inc | 362,825 | -25,600 |
| Allianz Asset Management GmbH | 361,705 | -11,940 |
| Goldman Sachs Group Inc | 342,601 | -347,244 |
| Fmr LLC | 338,749 | +25,827 |
| Nuveen, LLC | 332,490 | +1,542 |
| Morgan Stanley | 316,741 | -2,664 |
| Amundi | 304,202 | +294,796 |
Insiders
13 insiders reported holding 849,271 shares in total, about $95.1M at the last price.
| Holder | Shares |
|---|---|
| Masih AshishPresident and CEO, Director | 389,613 |
| Gupta AshwiniDirector | 105,927 |
| Yung JohnPresident, Intl. and Cabot | 62,570 |
| Bell Ryan BPresident, MCM | 58,439 |
| Monaco Michael PDirector | 42,256 |
| Olle LauraDirector | 37,168 |
| Hernanz Tomas CruzEVP, CFO & TREASURER | 32,573 |
| Stovsky Richard PDirector | 29,562 |
| Hilzinger Jeffrey AlbertDirector | 26,475 |
| Angela A. KnightDirector | 26,475 |
Questions about ECPG
What does Encore Capital Group Inc do?
Encore Capital Group Inc is a company in the Finance sector, listed on NASDAQ as ECPG. Its shares trade on NASDAQ under the ticker ECPG.
What is Encore Capital Group Inc's net worth?
Encore Capital Group Inc has a market value (market cap) of $2.4B at the latest share price, and shareholders' equity of $1.1B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Encore Capital Group Inc profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $350.9M on revenue of $2B, a net margin of 17.7%.
How much revenue does Encore Capital Group Inc make?
Over the twelve months to September 30, 2026 Encore Capital Group Inc reported revenue of $2B. That is 27.2% more than a year earlier.
When did Encore Capital Group Inc last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 4, 2026. It covers the period to September 30, 2026. Its newest filing of any kind is the planned insider sale from November 9, 2026.
When is Encore Capital Group Inc's next earnings report?
Encore Capital Group Inc's next report is expected around February 24, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
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Where the numbers come from
Financial figures are the values Encore Capital Group Inc tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.