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About the company
Encore Capital Group, Inc. is an international specialty finance company. The Company provides debt recovery solutions and other related services for consumers across a range of financial assets. Through its subsidiaries, the Company purchases portfolios of consumer receivables from banks, credit unions, and utility providers. It primarily purchases portfolios of defaulted consumer receivables at deep discounts to face value and manages them by working with individuals as they repay their obligations and work toward financial recovery. It also provides debt servicing and other portfolio management services to credit originators for non-performing loans in Europe. The Company’s debt servicing operations include early-stage collections, business process outsourcing and contingent collections for credit originators. The Company mainly provides debt servicing for consumer accounts but also provides services for business-to-business accounts.
- Revenue in USD (TTM)1.77bn
- Net income in USD256.83m
- Incorporated1999
- Employees7.35k
- LocationEncore Capital Group Inc350 Camino De La Reina, Suite 100SAN DIEGO 92108United StatesUSA
- Phone+1 (858) 309-1679
- Fax+1 (302) 636-5454
- Websitehttps://www.encorecapital.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Donnelley Financial Solutions Inc | 767.00m | 32.40m | 1.30bn | 1.75k | 47.68 | 3.43 | 14.19 | 1.70 | 1.07 | 1.07 | 27.30 | 14.81 | 0.9342 | -- | 5.46 | 438,285.70 | 3.95 | 10.86 | 5.32 | 14.87 | 63.44 | 59.38 | 4.22 | 10.91 | -- | 9.93 | 0.3154 | -- | -1.91 | -3.03 | -64.94 | -- | 12.92 | -- |
| Triumph Financial Inc | 430.47m | 22.15m | 1.36bn | 1.45k | 62.08 | 1.52 | 22.96 | 3.10 | 0.9236 | 0.9236 | 18.49 | 39.63 | -- | -- | -- | -- | 0.4114 | 1.04 | -- | -- | -- | -- | 5.77 | 13.65 | -- | -- | -- | 0.00 | 1.88 | 5.97 | 71.94 | -18.69 | 15.20 | -- |
| Byline Bancorp Inc | 572.18m | 130.05m | 1.45bn | 1.03k | 11.01 | 1.14 | 14.03 | 3.24 | 2.88 | 2.88 | 9.89 | 27.84 | -- | -- | -- | -- | 1.36 | 1.33 | -- | -- | -- | -- | 29.14 | 28.79 | -- | -- | -- | 13.89 | 1.11 | 19.06 | 7.69 | 28.80 | -- | 27.23 |
| Hope Bancorp Inc | 941.16m | 61.59m | 1.46bn | 1.43k | 23.44 | 0.6412 | -- | 2.94 | 0.4872 | 0.4872 | 3.94 | 17.81 | -- | -- | -- | -- | 0.3461 | 0.7882 | -- | -- | -- | -- | 12.35 | 26.28 | -- | -- | -- | 47.53 | -1.34 | 9.46 | -38.18 | -11.20 | 21.35 | 0.00 |
| QCR Holdings Inc | 489.43m | 127.19m | 1.47bn | 1.00k | 11.74 | 1.32 | 14.65 | 3.98 | 7.50 | 7.50 | 21.77 | 66.64 | -- | -- | -- | -- | 1.37 | 1.41 | -- | -- | -- | -- | 34.42 | 33.27 | -- | -- | -- | 3.59 | 1.57 | 19.80 | 11.72 | 15.99 | -- | 0.00 |
| Encore Capital Group Inc | 1.77bn | 256.83m | 1.52bn | 7.35k | 6.47 | 1.57 | 5.32 | 0.8584 | 10.96 | 10.96 | 75.16 | 45.04 | 0.3492 | -- | -- | 240,653.30 | 5.07 | 1.93 | 5.31 | 2.06 | 80.51 | 80.20 | 14.52 | 6.24 | -- | 2.14 | 0.8038 | -- | 34.37 | 3.33 | 284.45 | 3.93 | -5.36 | -- |
| Bank First Corp | 218.83m | 70.30m | 1.55bn | 366.00 | 19.49 | 2.16 | 19.81 | 9.15 | 7.09 | 7.09 | 17.08 | 63.87 | -- | -- | -- | -- | 1.62 | 1.59 | -- | -- | -- | -- | 41.74 | 38.56 | -- | -- | -- | 18.81 | 13.11 | 18.28 | -11.98 | 19.56 | -0.1186 | 14.14 |
| Foreign Trade Bank of Latin America Inc | 768.46m | 226.88m | 1.55bn | 322.00 | 8.23 | 1.10 | 6.70 | 4.57 | 6.11 | 6.11 | 9.14 | 45.63 | -- | -- | -- | -- | 1.84 | 1.52 | -- | -- | -- | -- | 66.81 | 63.86 | -- | -- | -- | 30.85 | -2.11 | 33.54 | 10.20 | 28.97 | -- | 17.69 |
| TriCo Bancshares | 470.57m | 121.56m | 1.56bn | 1.14k | 13.06 | 1.18 | 16.62 | 3.73 | 3.70 | 3.70 | 12.76 | 41.07 | -- | -- | -- | -- | 1.25 | 1.27 | -- | -- | -- | -- | 29.00 | 30.19 | -- | -- | -- | 32.58 | 0.843 | 11.99 | 5.82 | 13.40 | -- | 9.42 |
| S&T Bancorp Inc | 516.49m | 134.23m | 1.57bn | 1.21k | 12.30 | 1.10 | -- | 3.90 | 3.49 | 3.49 | 10.45 | 39.14 | -- | -- | -- | -- | 1.37 | 1.39 | -- | -- | -- | -- | 33.38 | 34.39 | -- | -- | -- | 37.11 | 0.1198 | 10.02 | 2.27 | 44.96 | -- | 4.26 |
| German American Bancorp Inc | 420.09m | 112.64m | 1.57bn | 984.00 | 13.85 | 1.35 | 11.93 | 4.35 | 3.03 | 3.03 | 9.82 | 31.00 | -- | -- | -- | -- | 1.53 | 1.45 | -- | -- | -- | -- | 31.16 | 33.32 | -- | -- | -- | 34.31 | 44.34 | 19.23 | 34.39 | 12.61 | -5.55 | 8.83 |
| Walker & Dunlop, Inc. | 1.23bn | 54.87m | 1.62bn | 1.47k | 28.98 | 0.9173 | 5.49 | 1.31 | 1.64 | 1.64 | 37.00 | 51.93 | 0.2615 | -- | 3.27 | 841,955.00 | 1.21 | 3.26 | 1.24 | 3.35 | -- | -- | 4.62 | 12.39 | -- | 3.77 | 0.563 | 56.16 | 8.99 | 2.64 | -48.08 | -25.48 | 39.52 | 13.23 |
| 1st Source Corp | 514.39m | 156.86m | 1.65bn | 1.19k | 10.59 | 1.30 | 9.91 | 3.80 | 6.41 | 6.41 | 17.71 | 52.32 | -- | -- | -- | -- | 1.76 | 1.55 | -- | -- | -- | -- | 36.48 | 34.80 | -- | -- | -- | 25.50 | 6.28 | 14.36 | 19.38 | 14.16 | 28.75 | 6.11 |
| Federal Agricultural Mortgage Corp | 1.61bn | 182.49m | 1.68bn | 212.00 | 9.59 | 1.43 | -- | 1.04 | 16.62 | 16.62 | 146.80 | 158.33 | 0.0484 | -- | 4.16 | 7,604,939.00 | 0.622 | 0.6488 | 0.9355 | 0.9532 | 25.45 | 28.63 | 12.86 | 16.14 | -- | 50.94 | 0.9508 | 31.68 | 0.6165 | 25.94 | 1.14 | 13.97 | -- | 13.40 |
| Live Oak Bancshares Inc | 908.47m | 102.82m | 1.69bn | 1.03k | 16.41 | 1.46 | 21.41 | 2.93 | 2.23 | 2.23 | 12.56 | 27.15 | -- | -- | -- | -- | 0.7525 | 1.12 | -- | -- | -- | -- | 18.28 | 23.47 | -- | -- | -- | 4.49 | 11.83 | 25.79 | 32.72 | 13.00 | -- | 0.00 |
Data as of Mar 03 2026. Currency figures normalised to Encore Capital Group Inc's reporting currency: US Dollar USD
54.75%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| BlackRock Fund Advisorsas of 31 Dec 2025 | 3.26m | 14.62% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 2.19m | 9.80% |
| Stephens Investment Management Group LLCas of 31 Dec 2025 | 1.31m | 5.85% |
| Dimensional Fund Advisors LPas of 31 Dec 2025 | 1.05m | 4.71% |
| Turtle Creek Asset Management, Inc.as of 31 Dec 2025 | 970.59k | 4.35% |
| SSgA Funds Management, Inc.as of 31 Dec 2025 | 879.38k | 3.94% |
| Goldman Sachs Asset Management LPas of 31 Dec 2025 | 744.38k | 3.34% |
| Wellington Management Co. LLPas of 31 Dec 2025 | 702.75k | 3.15% |
| D. E. Shaw & Co. LPas of 31 Dec 2025 | 566.96k | 2.54% |
| Geode Capital Management LLCas of 31 Dec 2025 | 544.87k | 2.44% |
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Data from 31 Dec 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
