Encore Capital Group, Inc.
ECPGFinancial ServicesNASDAQCredit Services · Last scanned Oct 24, 2026
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Daily timeframeEncore Capital Group, Inc., a specialty finance company, provides debt recovery solutions and other related services for consumers across financial assets worldwide. With a market capitalization of $2.07B, it sits in mid-cap territory. 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.
Market Cap
$2.07B
Beta
1.31
P/E (TTM)
7.71
P/E (Fwd)
7.32
EPS (TTM)
$12.68
EPS (Fwd)
$13.36
ROE
30.5%
ROA
8.3%
Cash
$182.9M
Total Debt
$4.19B
Free CF
-$157.0M
52W Change
118.2%
Annual Financials
Cash vs Debt
Where ECPG stands vs its 150-day and 200-day moving averages
As of the October 14, 2026 close, ECPG finished 20.84% above its 150-day moving average ($87.39) and 31.61% above its 200-day moving average ($80.24). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is ECPG overbought or oversold?
At the October 14, 2026 close, ECPG's RSI(14) was 77.9, in overbought territory (above 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
On the balance sheet, ECPG has $182.9M in cash with $4.19B in obligations. The ability to service this debt comfortably depends on continued operational cash generation. Free cash flow is running at -$157.0M, which bears watching. Negative free cash flow can be acceptable during heavy investment periods but needs to improve over time. ROE of 30.5% points to exceptionally high capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. An ROA of 8.3% suggests reasonable efficiency in deploying the company's asset base. Revenue has grown from $1.40B (2022) to $1.77B (2025), reflecting a 26% increase over the period.
Encore Capital Group, Inc. carries a heavier debt load relative to its cash position, which introduces financial risk that investors should weigh. Negative free cash flow means the company is currently spending more than it generates, which may require future fundraising or debt if the trend continues. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Encore Capital Group, Inc.'s trajectory.