Feed / ECPG

Encore Capital Group, Inc.

ECPG

Financial Services · 97.92 +0.6% today

Isolated · not yet confirmedMarket checked 10 Sept, 15:55 GMT-4

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.

Company+0.6% todayVolume comparison unavailable
Market group0 of 21 activeConsumer Credit & Housing · unavailable
Disclosed network0 of 6 confirmingNo filing-linked name is confirming now
What would change this read
  • 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.

Watch this read

Research brief

The story so far

Financial Services · Credit Services

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.

Evidence that supports

No thresholded supportive filing evidence is available yet.

Evidence that challenges

No thresholded adverse filing evidence is available yet.

What would clarify the read
  • ECPG's market-adjusted activity becomes unusual and at least one connected name confirms.

Company research

Understand the business, not just the ticker

As of Sep 11, 2026
Business model and earnings drivers

Use the company’s filings to identify the few operating, demand, cost, capital and regulatory variables that determine its earnings power.

Key research questions
  • Which operating variable is changing?
  • Is that change durable, cyclical or one-off?
  • What evidence would disprove the current interpretation?
Annual periods9
Price observations319
Usable filing statements72
Verified relationships0
Evidence supporting the case
  • Operating margin changed +523.4 percentage points in the latest annual period.
  • Net margin changed +454.8 percentage points in the latest annual period.
Evidence challenging the case
  • Restructuring and cost reductions has repeated adverse evidence across 4 filings.
Questions before a position
  • 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.
Longer-term price context

Price as of Sep 10, 2026

97.92
6m+43.4%12m+134.5%24m
Annual trajectory

Reported annual revenue and per-share history. This is accounting history, not a forecast.

PeriodRevenueYoYDiluted EPSShare change
2021-12-31$120.8M+4.9%$11.26-1.8%
2022-12-31$94.9M-21.4%$7.46-16.2%
2023-12-31$83.1M-12.4%$-8.72-9.3%
2024-12-31$84.8M+2.0%$-5.83+0.9%
2025-12-31$88.4M+4.3%$10.91-1.4%

What management says matters

Persistent and emerging business drivers

Restructuring and cost reductionsnegative · 4 filings
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
Credit and interest ratesmixed · 3 filings
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
Legal and regulatory exposurenegative · 3 filings
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
Demand and volumepositive · 2 filings
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.

Scenario scaffold

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

97.92+0.6% today

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.