Is Encore Capital Group (ECPG) overvalued or fairly valued?

MarketChacha shows Encore Capital Group's valuation in context — a trailing P/E of about 7.7, a forward P/E of about 6.6, a price-to-book of about 1.8 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

What is Encore Capital Group's revenue?

Encore Capital Group reported revenue of $88.4M for FY2025, with net profit of $256.8M, per official filings.

What is the share price of Encore Capital Group (ECPG)?

Encore Capital Group last traded at $88.35 (-1.0% on the day), as of 7/22/2026 — a delayed quote shown for education, not investment advice.

Encore Capital Group

ECPG · NYSE · Financials · United States

$88.35-1.0%

Delayed · as reported by Yahoo Finance · as of Jul 22, 2026, 7:30 PM

Snapshot

TickerECPG

ExchangeNYSE

SectorFinancials

IndustryCredit Services

CountryUnited States

Employees7,350

HeadquartersSan Diego, United States

Market cap$1.9B

P/E (TTM)7.7

P/B1.8

Volume110.09K

Websitewww.encorecapital.com

Filings tracked7

About Encore Capital Group

Encore Capital Group, Inc., a specialty finance company, provides debt recovery solutions and other related services for consumers across financial assets worldwide. The company purchases portfolios of defaulted consumer receivables at discounts to face value, as well as manages them by working with individuals as they repay their obligations and works toward financial recovery. It is also involved in the provision of debt servicing, such as early stage collection, business process outsourcing, and contingent collection services. In addition, the company engages in debt servicing and other portfolio management services to credit originator for non-performing loans. Further, it offers credit management services. Encore Capital Group, Inc. was incorporated in 1999 and is headquartered in San Diego, California.

Profile as reported by Yahoo Finance.

Who owns it

Insiders3.9%
Institutions96.1%
Public & other0.0%

372 institutional holders

As reported by Yahoo Finance.

Top holders

Blackrock Inc.18.16%
Stephens Investment Management Group LLC6.07%
Vanguard Portfolio Management LLC5.80%
Dimensional Fund Advisors LP4.70%
Vanguard Capital Management LLC4.37%
State Street Corporation3.96%
Goldman Sachs Group Inc3.22%
Geode Capital Management, LLC2.90%

Largest institutional holders, as reported by Yahoo Finance (as of 3/31/2026).

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Net margin trend-248.4% → 290.6%

Margin has expanded by about 539.0 points — the business is getting more profitable.

Return on equity26.3%

Latest ROE of 26.3% — capital is generating a healthy return.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $458.3M · EPS 3.08

Est. earnings growth -3.1%

Next fiscal year

Rev $1.9B · EPS 14.11

Analyst consensus estimates — not the company's own guidance. As reported by Yahoo Finance.

$35.6752-wk range$94.60

Delayed · as reported by Yahoo Finance

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Market cap

$1.9B

Day change

-1.0%

P/E (TTM)

7.7

Fwd P/E

6.6

P/B

1.8

Beta

1.27

Revenue (FY2025)

$88.4M

Net margin

290.6%

ROE

26.3%

Revenue CAGR (2y)

+3.1%

EPS (FY2025)

10.91

Net profit (FY2025)

$256.8M

Market figures: Delayed · as reported by Yahoo Finance. Financials as reported in company filings.

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Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$88.4M	$256.8M	10.91	290.6%	26.3%
FY2024	$84.8M	$-139.2M	-5.83	-164.2%	-18.1%
FY2023	$83.1M	$-206.5M	-8.72	-248.4%	-22.0%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q1	$20.6M	$86.2M	3.86	417.9%
2025Q3	$22.2M	$74.7M	3.17	336.7%
2025Q2	$22.3M	$58.7M	2.49	263.3%
2025Q1	$22.5M	$46.8M	1.93	207.5%
2024Q3	$22.8M	$30.6M	1.26	134.6%
2024Q2	$21.1M	$32.2M	1.34	152.5%
2024Q1	$20.4M	$23.2M	0.95	114.0%
2023Q3	$19.9M	$19.3M	0.79	97.2%
2023Q2	$21.0M	$26.3M	1.08	125.2%
2023Q1	$22.6M	$18.6M	0.75	82.5%

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

8-K — Executive/director change, Bylaw/charter change, Shareholder vote results, Exhibits
SEC6/16/2026material
8-K — Material agreement, Material financial obligation, Exhibits
SEC5/29/2026material
8-K — Material agreement, Material financial obligation, Exhibits
SEC5/26/2026material
8-K — Other events, Exhibits
SEC5/14/2026material
8-K — Other events, Exhibits
SEC5/12/2026material
8-K — Results of operations, Exhibits
SEC5/6/2026material
10-Q filing
SEC5/6/2026

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed · as reported by yahoo finance) are delayed and shown for reference only. Verify with the linked sources before acting.