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Upturn AI Summary - About
Encore Capital Group Inc(ECPG)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for ECPG
09/24/2026: ECPG (2-star) is currently NOT-A-BUY. Pass it for now.
Encore Capital Group is a prominent international company specializing in the purchasing and recovery of non-performing consumer debt. Its core business strength lies in sophisticated data analytics used to price portfolios accurately and manage recovery at scale. The company's growth story is tied to opportunistic acquisitions and increasing efficiency through digital self-service tools. However, investors face notable risks, including cyclical shifts in credit quality, strict regulatory oversight, and intense bidding competition for quality portfolios. The stock is best suited for value investors who understand consumer finance, as it does not pay a dividend and remains sensitive to macroeconomic and regulatory developments.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is dependent on macroeconomic cycles and bank supply of debt rather than consistent product innovation. |
| Momentum investor | Mixed fit | The stock often trends based on sector-wide credit cycles which may provide intermittent momentum signals. |
| Value investor | Strong fit | The company is often traded at low P/E multiples relative to its cash flow generation, appealing to value-oriented investors. |
| Dividend investor | Weak fit | Encore does not currently pay a dividend, making it unsuitable for income-focused portfolios. |
| Low-risk investor | Weak fit | Regulatory, legal, and credit cycle risks lead to high volatility not suited for conservative investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock price is highly sensitive to macroeconomic news and interest rate cycles. |
| Valuation risk | Medium | While often cheap, the valuation is tied to the uncertain recovery value of purchased debt. |
| Competition risk (Debt purchasing) | Medium / high | Competition for high-quality portfolios can compress margins and reduce acquisition volume. |
| Business quality | Medium | The model is dependent on external supply of debt from large financial institutions. |
| Dividend income | Low / none | The company does not provide a regular dividend, which excludes it from income strategies. |
| Execution risk | Medium | Successful operation requires accurate data modeling and strict adherence to complex compliance laws. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -12.97% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/24/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.00B USD | Price to earnings Ratio 7.25 | 1Y Target Price 115.67 |
Price to earnings Ratio 7.25 | 1Y Target Price 115.67 | ||
Volume (30-day avg) 383.0K shares | Beta 1.28 | 52 Weeks Range 39.95 - 104.98 | Updated Date 09/24/2026 |
52 Weeks Range 39.95 - 104.98 | Updated Date 09/24/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 13.03 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Portfolio Purchasing | Buying non-performing consumer debt portfolios at a discount. | The company makes money by collecting more on old debt than it paid to buy the rights to that debt. |
| Geography: North America | MCM operations and consumer credit recovery in the US. | This is the core revenue driver for the company. |
| Geography: International | Cabot operations in the UK and Europe. | Provides geographic diversification but exposes the company to foreign regulatory and economic risks. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 7.25 | Forward PE 5.54 | Enterprise Value 6.08B | Price to Sales(TTM) 1.05 |
Enterprise Value 6.08B | Price to Sales(TTM) 1.05 | ||
Enterprise Value to Revenue 3.2 | Enterprise Value to EBITDA 8.62 | Shares Outstanding 21.21M | Shares Floating 20.71M |
Shares Outstanding 21.21M | Shares Floating 20.71M | ||
Percent Insiders 3.9 | Percent Institutions 109.68 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Encore Capital Group Inc
Exchange NASDAQ | Headquarters San Diego, CA, United States | ||
IPO Launch date 1999-06-30 | President, CEO & Director Mr. Ashish Masih | ||
Sector Financial Services | Industry Credit Services | Full time employees 7350 | Website https://www.encorecapital.com |
Full time employees 7350 | Website https://www.encorecapital.com | ||
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.
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