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ECPG 
Encore Capital Group Inc (ECPG)
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Upturn Advisory Summary
02/23/2026: ECPG (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $62.67
1 Year Target Price $62.67
| 3 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.34B USD | Price to earnings Ratio - | 1Y Target Price 62.67 |
Price to earnings Ratio - | 1Y Target Price 62.67 | ||
Volume (30-day avg) 5 | Beta 1.4 | 52 Weeks Range 26.45 - 59.59 | Updated Date 02/22/2026 |
52 Weeks Range 26.45 - 59.59 | Updated Date 02/22/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) -1.8 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2026-02-25 | When - | Estimate 2.17 | Actual - |
Profitability
Profit Margin -2.89% | Operating Margin (TTM) 37.62% |
Management Effectiveness
Return on Assets (TTM) 5.34% | Return on Equity (TTM) -4.51% |
Valuation
Trailing PE - | Forward PE 5.54 | Enterprise Value 4743875695 | Price to Sales(TTM) 0.86 |
Enterprise Value 4743875695 | Price to Sales(TTM) 0.86 | ||
Enterprise Value to Revenue 3.23 | Enterprise Value to EBITDA 17.8 | Shares Outstanding 22303676 | Shares Floating 21676943 |
Shares Outstanding 22303676 | Shares Floating 21676943 | ||
Percent Insiders 3.67 | Percent Institutions 103.77 |
Upturn AI SWOT
Encore Capital Group Inc
Company Overview
History and Background
Encore Capital Group Inc. was founded in 1999 and is a global provider of debt management and recovery services. The company has grown through organic expansion and strategic acquisitions, establishing a significant presence in North America and Europe. Its evolution has been marked by a focus on sophisticated data analytics and technology to optimize debt purchasing and collection processes.
Core Business Areas
- Debt Purchasing and Collection: Encore Capital Group's primary business involves purchasing portfolios of distressed and non-performing consumer debt from various originators, such as banks, credit card companies, and auto finance companies. They then manage and collect on these acquired debts.
- Loan Servicing: The company also offers loan servicing for other debt owners, leveraging their expertise in collections and customer service to manage and recover debts on behalf of third parties.
Leadership and Structure
Encore Capital Group operates with a public company structure, overseen by a Board of Directors. The executive leadership team includes a Chief Executive Officer (CEO), Chief Financial Officer (CFO), and heads of various operational and strategic divisions. The organizational structure is designed to support its global operations across multiple geographies and legal jurisdictions.
Top Products and Market Share
Key Offerings
- Distressed Debt Portfolios: Encore Capital Group's core 'product' is the acquisition of distressed debt portfolios. These portfolios represent unpaid consumer credit obligations. The company aims to acquire these at a significant discount to their face value. Competitors include other debt buyers like Portfolio Recovery Associates (PRA Group), and Arrow Financial Services.
- Debt Recovery Services: Leveraging proprietary technology and analytics, Encore offers services to recover outstanding debt. This is a key service that drives value from their acquired portfolios. While not a distinct 'product' in the traditional sense, it's their core operational output. Competitors for debt recovery services are broad, including many collection agencies, though Encore's focus is on purchased debt.
Market Dynamics
Industry Overview
The debt management and recovery industry operates within the broader financial services sector. It is characterized by the acquisition of aged and defaulted consumer debt. The industry is sensitive to economic cycles, regulatory changes, and consumer behavior. The increasing volume of consumer credit and the securitization of debt create a continuous supply of portfolios for acquisition.
Positioning
Encore Capital Group positions itself as a technologically advanced and data-driven debt buyer and servicer. Their competitive advantage lies in their sophisticated analytics, which allow them to more accurately value portfolios, optimize collection strategies, and maintain compliance. They aim for a responsible and ethical approach to debt recovery.
Total Addressable Market (TAM)
The TAM for distressed debt is substantial and fluctuates with economic conditions and credit origination volumes. While precise figures are difficult to ascertain, it represents billions of dollars in consumer debt across various categories (credit cards, auto loans, personal loans). Encore Capital Group is a significant player within this market, competing for a share of these acquired portfolios.
Upturn SWOT Analysis
Strengths
- Advanced Data Analytics and Technology
- Global Operational Footprint
- Experienced Management Team
- Diversified Debt Portfolio Acquisition Strategy
- Strong Compliance Framework
Weaknesses
- Reliance on Economic Cycles (can impact debt originations)
- Potential for Negative Public Perception (due to industry nature)
- Regulatory Scrutiny and Compliance Costs
- Sensitivity to Interest Rate Changes (impacting cost of capital)
Opportunities
- Expansion into New Geographic Markets
- Acquisition of New Debt Types (e.g., student loans, medical debt)
- Technological Advancements in AI and Machine Learning for Collections
- Partnerships with Debt Originators for Servicing Agreements
- Economic Downturns Leading to Increased Supply of Distressed Debt
Threats
- Stricter Regulatory Environment and Compliance Burdens
- Increased Competition from Other Debt Buyers
- Economic Recessions Leading to Higher Delinquency Rates and Lower Recovery Rates
- Data Security Breaches and Privacy Concerns
- Changes in Consumer Payment Behaviors
Competitors and Market Share
Key Competitors
- Portfolio Recovery Associates (PRA Group) (PRAA)
- Gladstone Investment Corporation (GAIN) - though more diverse
- Other smaller regional debt buyers and collection agencies
Competitive Landscape
Encore Capital Group competes on its ability to accurately value and acquire debt portfolios at favorable prices, and its efficiency in collecting on these debts. Their investment in technology and data analytics is a key differentiator. The landscape is competitive, with players ranging from large, publicly traded entities to smaller, specialized firms. Regulatory compliance and ethical practices are critical for maintaining market access and reputation.
Growth Trajectory and Initiatives
Historical Growth: Encore Capital Group has demonstrated growth through strategic acquisitions of debt portfolios and expansion into new markets. Historical growth in revenue has been driven by increasing the size and diversity of their debt holdings. Profitability has been influenced by the pricing of acquired debt and collection efficiency.
Future Projections: Future growth is projected to be driven by continued opportunistic debt acquisitions, expansion of their servicing business, and the implementation of new technologies to enhance collection effectiveness. Analyst estimates often forecast modest revenue growth, with profitability influenced by the economic environment and regulatory landscape.
Recent Initiatives: Recent initiatives likely focus on enhancing their technology platforms, optimizing operational efficiency, expanding into new service lines, and ensuring robust compliance with evolving regulations. This could include investments in AI for predictive analytics in collections.
Summary
Encore Capital Group Inc. is a well-established player in the debt recovery industry, leveraging technology and data analytics for success. Its core business of purchasing and collecting distressed debt portfolios provides a recurring revenue stream, supported by strategic acquisitions and global reach. The company faces challenges from regulatory scrutiny and economic fluctuations, but its operational efficiency and focus on compliance position it to capitalize on opportunities in an evolving market.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Encore Capital Group Inc. Investor Relations
- Securities and Exchange Commission (SEC) Filings (10-K, 10-Q)
- Financial Data Providers (e.g., Refinitiv, Bloomberg - for general industry data)
- Industry Research Reports
Disclaimers:
This JSON output is for informational purposes only and does not constitute financial advice. Numerical data for financial metrics and market share are illustrative and should be verified with the company's official filings and up-to-date market research. Projections and analyses are based on available information and are subject to change. Past performance is not indicative of future results.
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.
About Encore Capital Group Inc
Exchange NASDAQ | Headquaters 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 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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