Why did Encore Capital Group (ECPG) stock move recently?

On 9/1/2026, Encore Capital Group moved -4.1% — No specific catalyst identified in filings or coverage for the Sept 1 drop; the stock fell amid ongoing market activity and the approaching Sept 24 redemption of $230M convertible notes (with associated capped-call unwind that the company previously noted could pressure shares via counterparty sales). This is MarketChacha's decoded reason from filings and credible news; it is education, not buy/sell advice.

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 7.1, a price-to-book of about 1.9 — 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 $94.75 (+1.9% on the day), as of 9/2/2026 — a delayed quote shown for education, not investment advice.

Encore Capital Group

ECPG · NYSE · Financials · United States

Snapshot

TickerECPG

ExchangeNYSE

SectorFinancials

IndustryCredit Services

CountryUnited States

Employees7,350

HeadquartersSan Diego, United States

Websitewww.encorecapital.com

Filings tracked21

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.

Who owns it

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

414 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.17.35%
Vanguard Portfolio Management LLC6.18%
Dimensional Fund Advisors LP4.94%
Vanguard Capital Management LLC4.30%
State Street Corporation4.04%
Geode Capital Management, LLC3.02%
American Century Companies Inc2.98%
Arrowstreet Capital, Limited Partnership2.49%

Largest institutional holders — last updated 6/30/2026.

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 $476.4M · EPS 3.51

Next fiscal year

Rev $1.9B · EPS 14.62

Analyst consensus estimates — not the company's own guidance.

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

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

Ask MarketChacha about ECPG

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Why it moved

Sep 1, 2026
No specific catalyst identified in filings or coverage for the Sept 1 drop; the stock fell amid ongoing market activity and the approaching Sept 24 redemption of $230M convertible notes (with associated capped-call unwind that the company previously noted could pressure shares via counterparty sales).
source 1 ↗· confidence: low
Jul 24, 2026
Encore Capital Group announced on July 22 the redemption of all $230M of its 4.00% Convertible Senior Notes due 2029 for cash on Sept. 24 (triggered by the stock trading above the 130% conversion-price threshold), with coverage on July 23-24 highlighting the move as a positive debt-reduction step.
source 1 ↗source 2 ↗source 3 ↗· confidence: high

Daily moves with the verified reason behind them. Education only — not investment advice.

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
2026Q2	$18.2M	$64.0M	2.81	351.1%
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 — Results of operations, Exhibits
SEC8/5/2026material
10-Q filing
SEC8/5/2026
8-K — Reg FD disclosure, Other events, Exhibits
SEC7/22/2026material
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
8-K — Executive/director change, Bylaw/charter change, Exhibits
SEC3/20/2026material
8-K — Results of operations, Exhibits
SEC2/25/2026material
10-K filing
SEC2/25/2026

2025

8-K — Results of operations, Exhibits
SEC11/5/2025material
8-K — Reg FD disclosure, Exhibits
SEC11/5/2025material
10-Q filing
SEC11/5/2025
8-K — Material agreement, Material financial obligation, Exhibits
SEC10/2/2025material
8-K — Other events, Exhibits
SEC9/25/2025material
8-K — Results of operations, Exhibits
SEC8/6/2025material
8-K — Reg FD disclosure, Exhibits
SEC8/6/2025material
10-Q filing
SEC8/6/2025

In the news

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