Encore Capital Group, Inc.
ECPGFinancial ServicesNASDAQCredit Services
Scan Results
Daily timeframePart of the financial services sector, Encore Capital Group, Inc. (ECPG) is listed under Credit Services. Valued at $2.06B, ECPG is a mid-cap name in its sector. 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
$2.06B
Beta
1.28
P/E (TTM)
7.34
P/E (Fwd)
7.26
EPS (TTM)
$13.21
EPS (Fwd)
$13.36
ROE
30.5%
ROA
8.3%
Cash
$182.9M
Total Debt
$4.19B
Free CF
-$157.0M
52W Change
117.2%
Annual Financials
Cash vs Debt
Where ECPG stands vs its 150-day and 200-day moving averages
As of the August 31, 2026 close, ECPG finished 24.20% above its 150-day moving average ($79.66) and 35.31% above its 200-day moving average ($73.12). 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 August 31, 2026 close, ECPG's RSI(14) was 56.7, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
The company holds $182.9M in cash, though total debt stands at $4.19B. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. The company is burning cash, with free cash flow at -$157.0M. This typically occurs when a company is investing aggressively in growth, but sustained cash burn can strain the balance sheet. Return on equity stands at 30.5%, which is exceptionally high for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. 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.
The debt-to-cash ratio suggests meaningful leverage on the balance sheet, a factor worth monitoring if credit conditions tighten. The company is burning cash at the operating level, which is not unusual for growth-phase companies but adds risk if it persists. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Encore Capital Group, Inc.'s trajectory.