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ECPG · Encore Capital Group Inc

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$101.26 -0.95 (-0.93%) At close · Aug 19
Market Cap
$2.17B
Shares
21.21M

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$101.26 Open$103.10 Day$100.94–104.23 52W close$40.53–103.74 Avg vol 30d355K Short int1.0M · 4.8% float · 2.7d Short vol66% Last earningsAug 5, 2026 DataJan 2020–Aug 2026 Filing10-Q · Aug 5

Up next

Next earnings call
Nov 4, 2026 Est · unconfirmed · in 11 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
filed Aug 5, 2026

AI Brief

TL;DR.

Bullish
    Bearish

      AI-generated from the earnings call and 8-K · may contain errors · not investment advice

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Strong Buy
      SellHoldBuy
      Technical Strong Buy Momentum Very Strong Sentiment Bullish Fundamentals Excellent Quant / Vol Low
      Market backdrop VIX 14.9 · calm Equity put/call 0.52
      Technical
      price trend
      Strong Buy
      50 / 200-day cross No cross
      Price vs 200-day avg +42%
      above
      Price vs 50-day avg +11%
      above
      RSI (14) 60
      neutral
      MACD trend Positive
      52-week position 96%
      near high
      Momentum
      relative strength
      Very Strong
      1-month return +15%
      trailing
      6-month return +58%
      trailing
      YTD return +86%
      this year
      Relative strength +47%
      vs S&P · 6-mo
      Sentiment
      smart money
      Bullish
      Trend (MA cross) No cross
      50d $91 › 200d $71 — 50d above 200d
      Institutional flow Accumulating
      +15% holders QoQ · +63 funds added
      Insider flow Distributing
      Net -$1.1M over 90 days · 100% sells
      Short interest Falling
      4.83% of float · ▼ -15.2% MoM · 2.7 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      286 holders — near 3-yr high, broad support
      Squeeze score 58
      elevated · 0–100
      Fundamentals
      Excellent
      Revenue growth +34%
      Y/Y
      EPS growth +287%
      Y/Y
      Free cash flow $126.9M
      Valuation P/E 7.8
      below peers
      Buyback $300.0M
      authorized
      Balance sheet $3.9B
      net debt
      Quant / Vol
      risk profile
      Low
      Volatility 36%
      annualized · 1-yr
      Max drawdown −12%
      past year
      ATR 3.8%
      of price · 14-day

      Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

      Guidance & track record

      Latest guidance · from the 8-K filed Aug 5, 2026
      full-year 2026
      Collections Initiated $2.8B – $2.85B
      Global collections Initiated $2.8B – $2.85B
      2026
      EPS $13.00 – $14.00
      prior FY $10.91 midpoint +23.7% Y/Y
      Portfolio purchasing $1.4B – $1.5B
      Prior guidance period ended · from the 8-K filed Nov 5, 2025
      Global collections · full-year 2025 $2.55B

      Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

      Technicals

      trend & momentum for long-term holders Strong Buy
      0 · 2 · 4
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +42% Bullish
      Price vs 50-day avg
      +11% Bullish
      RSI (14)
      60 Neutral
      MACD trend
      Positive Bullish
      52-week position
      96% Bullish
      Market signals — smart money & positioning
      Bullish · 3 of 6
      Trend (MA cross) No cross
      50d $91 › 200d $71 — 50d above 200d
      Institutional flow Accumulating
      +15% holders QoQ · +63 funds added
      Insider flow Distributing
      Net -$1.1M over 90 days · 100% sells
      Short interest Falling
      4.83% of float · ▼ -15.2% MoM · 2.7 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      286 holders — near 3-yr high, broad support
      Price context
      position in its 52-week range
      Range low $41 Now $101 · 96% Range high $104
      vs 200-day avg +42% vs 50-day avg +11%

      Illustrative technical + ownership context — a signal mix, not investment advice.

      Key metrics

      the company's own KPIs, from written earnings releases and filings
      Metric Latest Period YoY
      Adjusted EBITDA non-GAAP $202.56M Q2 2026
      Collections applied to principal balance non-GAAP $269.88M Q2 2026

      Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

      Versus peers

      Credit Services — same industry group
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      ECPG
      Encore Capital Group Inc
      this stock
      $2.17B +86.3% +34.4% 7.8 4.8%
      V
      Visa Inc.
      $649.98B +4.2% -4.9% 1.2%
      MA
      Mastercard Inc
      $492.55B +0.5% +16.4% 30.9 1.0%
      AXP
      American Express Co
      $228.61B -8.1% +13.4% 20.6 1.8%
      COF
      Capital One Financial Corp
      $138.96B -8.9% +36.6% 1.7%

      Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

      At a glance

      key data from every section
      Ownership
      Institutional Holders Accumulating
      Holders
      286
      % held
      113.9%
      Net QoQ
      +26.5K sh
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      301
      View
      Short & Settlement
      Short Interest Falling
      Shares short
      1.0M
      Days to cover
      2.7d
      Change
      -183.7K sh
      View
      Short Volume
      Short vol %
      66%
      As of
      Aug 19, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      48
      Value
      $4.6K
      As of
      Jul 29, 2026
      View
      Off-Exchange
      Off-exchange %
      33.1%
      Week of
      Jul 13, 2026
      Off-exch Lit
      View
      Smart Money
      Insider Trades Net selling
      Net (90d)
      -$1.1M
      Buyers / Sellers
      0 / 2
      Buyers Sellers
      View
      Financials
      Financials
      Revenue (FY)
      $1.8B
      Net income (FY)
      $257.0M
      EPS diluted
      $10.91
      View
      Buybacks
      Authorized
      $300.0M
      View
      Filings
      SEC Filings
      Latest
      8-K
      Filed
      Aug 19, 2026
      This year
      15
      View
      Proposed Sales
      Value
      $743.1K
      Shares
      8.2K
      Filed
      Jul 7, 2026
      View
      Earnings & Events
      Earnings Calls
      Last call
      Aug 5, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      ECPG +3.9% +14.8% +58.4% +7.6% +86.3%
      SPY -0.4% +2.9% +11.6% +3.0% +12.8%
      vs SPY +4.3% +11.9% +46.8% +4.7% +73.5%

      Capital returns

      Buyback program · as of Nov 4, 2021
      Authorized
      $300.00M
      Spent (derived)
      Remaining

      Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

      Key facts CIK 1084961 CUSIP 292554102 13F (30d) 266 filings 261 filers Visit website Investor relations