“The following table summarizes the activity in the Company’s goodwill balance (in thousands) : Total Company Balance as of December 31, 2025 $ 536,291 Effect of foreign currency translation ( 6,804 ) Balance as of March 31, 2026 $ 529,487 As of March 31, 2026…”10-Q · May 6, 2026 ↗
Encore Capital Group, Inc.
ECPG
Market read
Encore Capital Group, Inc.'s current read is isolated; its market group is not confirming.
No new filing conclusion is available. 0 of 21 group members are active now; 0 filing-linked outsiders are moving with the group, and 0 of 0 directly disclosed connections are confirming.
- ECPG's market-adjusted activity becomes unusual and at least one connected name confirms.
Invalidation: The isolated read changes if ECPG's group or a disclosed connection begins moving with it.
Research brief
The story so far
No new filing conclusion is available. 0 of 21 group members are active now; 0 filing-linked outsiders are moving with the group, and 0 of 0 directly disclosed connections are confirming.
No thresholded supportive filing evidence is available yet.
No thresholded adverse filing evidence is available yet.
- ECPG's market-adjusted activity becomes unusual and at least one connected name confirms.
Company research
Understand the business, not just the ticker
Use the company’s filings to identify the few operating, demand, cost, capital and regulatory variables that determine its earnings power.
- Which operating variable is changing?
- Is that change durable, cyclical or one-off?
- What evidence would disprove the current interpretation?
- Operating margin changed +523.4 percentage points in the latest annual period.
- Net margin changed +454.8 percentage points in the latest annual period.
- Restructuring and cost reductions has repeated adverse evidence across 4 filings.
- P/E is 67% below the available filing-peer median; determine whether growth and quality justify the difference.
- EV/sales is 475% above the available filing-peer median; determine whether growth and quality justify the difference.
Price as of Sep 10, 2026
97.92Reported annual revenue and per-share history. This is accounting history, not a forecast.
What management says matters
Persistent and emerging business drivers
“The increase in interest expense during the six months ended June 30, 2025, as compared to the six months ended June 30, 2024, was primarily due to the following reasons: • The effect resulting from increased average debt balance of approximately $17.1 millio…”10-Q · Aug 6, 2025 ↗
“We believe that smaller competitors continue to face difficulties in the portfolio purchasing market because of the high cost to operate due to regulatory pressure and increasing cost of capital.”10-Q · May 6, 2026 ↗
“The increase in servicing revenues during the six months ended June 30, 2025 as compared to the six months ended June 30, 2024 was primarily attributable to increased demand from BPO clients.”10-Q · Aug 6, 2025 ↗
Valuation discipline
Descriptive valuation snapshot
Price/sales 26.1× · EV/sales 24.3×. Comparisons use only industry-matched filing peers.
Scenarios are withheld for Financial Services until sector-specific earnings and capital metrics are available; generic revenue/P/S scaffolds would be misleading.
Price action
How the market is pricing the story
Jodie does not have enough daily observations to draw a useful short-term chart for this asset. The latest quoted price was checked 10 Sept, 15:55 GMT-4; this is a coverage limitation, not a flat-price conclusion.
Developments
No sourced recent-development timeline yet
Jodie has not returned a relevant primary source or news item for ECPG. This is an evidence-coverage gap, not a conclusion that nothing material happened.
Business and financial condition
Reported financial figures are not available yet
Jodie has not returned structured SEC XBRL fundamentals for this asset. This is a coverage limitation, not an assessment of the business or its financial health.
Filing analysis
No comparable filing assessment is available yet
Jodie has not yet found a suitable current-versus-prior filing comparison for ECPG. This does not mean the latest filing was neutral or immaterial.
Business ecosystem
The relationships behind ECPG
Customers, suppliers, partners and competitors named in company filings—not inferred from headlines.
Filing peers
Companies whose filings use similar operating language.
Open the three relationships above to see Jodie’s filing proof. Pro unlocks 6 more links, every receipt, and alerts when connected names begin moving. Unlock the full network →
What is moving around it
Live connections
ECPG is currently a Follower in the organic co-movement group Consumer Credit & Housing. This group is discovered from market behaviour rather than assigned from an industry taxonomy. No verified filing-linked names are available yet.
This group is retained as the last observed read for ECPG; it is not active in the latest market snapshot.
Context history
Theme membership history
No durable theme membership has been observed for this name yet.