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ECPG · Encore Capital Group Inc

$94.50 +4.35 (+4.82%)
Market Cap
$1.93B
Shares
21.44M

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$90.16 Open$85.67 Day$85.67–90.76 52W$35.67–94.60 Avg vol 30d339K Short int1.2M · 5.6% float · 3.6d Short vol81% Last earningsMay 6, 2026 DataJan 2020–Jul 2026 Filing10-Q · May 6

Up next

Next earnings call
Aug 5, 2026 Est · unconfirmed · in 1 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est
filed May 6, 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 Buy Momentum Very Strong Sentiment Bullish Fundamentals Excellent Quant / Vol Low
      Market backdrop VIX 18.6 · elevated Equity put/call 0.79
      Technical
      price trend
      Buy
      50 / 200-day cross No cross
      Price vs 200-day avg +36%
      above
      Price vs 50-day avg +6%
      above
      RSI (14) 54
      neutral
      MACD trend Negative
      52-week position 92%
      near high
      Volume (OBV) Confirms
      volume backs price
      Momentum
      relative strength
      Very Strong
      1-month return +3%
      trailing
      6-month return +63%
      trailing
      YTD return +66%
      this year
      Relative strength +57%
      vs S&P · 6-mo
      Sentiment
      smart money
      Bullish
      Trend (MA cross) No cross
      50d $85 › 200d $66 — 50d above 200d
      Institutional flow Accumulating
      42 of 246 funds reported for Jun 30 · net +215.5K sh shares · +12 new
      Insider flow Distributing
      Net -$1.1M over 90 days · 100% sells
      Short interest Falling
      5.64% of float · ▼ -14.5% MoM · 3.6 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      246 holders — near 3-yr high, broad support
      Squeeze score 63
      elevated · 0–100
      Fundamentals
      Excellent
      Revenue growth +34%
      Y/Y
      EPS growth +287%
      Y/Y
      Free cash flow $126.9M
      Valuation P/E 7
      below peers
      Buyback $300.0M
      authorized
      Balance sheet $56.2M
      net cash
      Quant / Vol
      risk profile
      Low
      Volatility 35%
      annualized · 1-yr
      Max drawdown −12%
      past year
      ATR 3.5%
      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 May 6, 2026
      full-year 2026
      Global collections Initiated $2.8B
      Global portfolio purchases Initiated $1.4B – $1.5B
      2026
      Earnings per share Initiated $13.00
      prior FY $10.91 midpoint +19.2% Y/Y

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

      Technicals

      trend & momentum for long-term holders Buy
      1 · 3 · 3
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +36% Bullish
      Price vs 50-day avg
      +6% Bullish
      RSI (14)
      54 Neutral
      MACD trend
      Negative Bearish
      52-week position
      92% Bullish
      Volume (OBV)
      Confirms Neutral
      Market signals — smart money & positioning
      Bullish · 3 of 6
      Trend (MA cross) No cross
      50d $85 › 200d $66 — 50d above 200d
      Institutional flow Accumulating
      42 of 246 funds reported for Jun 30 · net +215.5K sh shares · +12 new
      Insider flow Distributing
      Net -$1.1M over 90 days · 100% sells
      Short interest Falling
      5.64% of float · ▼ -14.5% MoM · 3.6 days cover
      Volume signal Normal
      Volume near normal
      Institution breadth Multi-yr high
      246 holders — near 3-yr high, broad support
      Price context
      position in its 52-week range
      52-wk low $36 Now $90 · 92% 52-wk high $95
      vs 200-day avg +36% vs 50-day avg +6%

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

      Key metrics

      the company's own KPIs, from its earnings releases, calls, and filings
      Metric Latest Period YoY

      Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file

      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
      $1.93B +65.9% -12.6% 7.0 5.6%
      V
      Visa Inc.
      $638.11B +0.5% +12.3% 1.3%
      MA
      Mastercard Inc
      $476.83B -7.0% +16.4% 31.2 1.0%
      AXP
      American Express Co
      $220.27B -7.7% +13.4% 19.8 1.7%
      COF
      Capital One Financial Corp
      $126.23B -17.2% +36.6% 51.7 2.1%

      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
      257
      % held
      107.8%
      Reported
      42 of 246
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      280
      View
      Short & Settlement
      Short Interest Falling
      Shares short
      1.2M
      Days to cover
      3.6d
      Change
      -204.5K sh
      View
      Short Volume
      Short vol %
      81%
      As of
      Jul 24, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      574
      Value
      $50.0K
      As of
      Jun 25, 2026
      View
      Off-Exchange
      Off-exchange %
      46.2%
      Week of
      May 4, 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)
      $256.8M
      EPS diluted
      $10.91
      View
      Buybacks
      Authorized
      $300.0M
      View
      Filings
      SEC Filings
      Latest
      8-K
      Filed
      Jul 22, 2026
      This year
      12
      View
      Proposed Sales
      Value
      $743.1K
      Shares
      8.2K
      Filed
      Jul 7, 2026
      View
      Earnings & Events
      Earnings Calls
      Last call
      May 6, 2026
      View

      Performance

      5D 20D 120D MTD YTD
      ECPG -1.3% +3.2% +63.3% -3.4% +65.9%
      SPY -1.7% +0.7% +6.4% -1.2% +8.3%
      vs SPY +0.4% +2.5% +57.0% -2.2% +57.6%

      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) 42 filings 42 filers Visit website Investor relations