Security
Encore Capital Group Inc Common Stock · ECPG
ECPGNASDAQCommon stockCurrentCIK 1084961Updated Oct 9, 2026
Name history
MCM CAPITAL GROUP INC · through Mar 11, 2002
ECPG price & chart
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NASDAQ:ECPG on TradingView ↗About the company
Encore Capital Group is an international specialty finance company that provides debt recovery solutions and other related services for consumers across a broad range of financial assets. Through its subsidiaries around the globe, Encore purchases portfolios of consumer receivables from major banks, credit unions and utility providers. Headquartered in San Diego, Encore is a publicly traded NASDAQ Global Select company (ticker symbol: ECPG) and a component stock of the Russell 2000, the S&P Small Cap 600 and the Wilshire 4500.
In the news
Encore Capital Group Announces Redemption of All Outstanding 4.00% Convertible Senior Notes Due 2029 ↗
Seeking Alpha
Encore Capital Group: Favorable U.S. Credit Conditions Support Growth ↗
Top 10 mid-cap financial stocks score A+ momentum grade ↗
Encore Capital Group, Inc. 2026 Q2 - Results - Earnings Call Presentation ↗
SEC disclosures
ENCORE CAPITAL GROUP INC files 8-K: Material Event ↗
Recent filings
10-Q filing
Results of Operations and Financial Condition
Items 2.02, 9.01
SCHEDULE 13G - filed by DIMENSIONAL FUND ADVISORS LP regarding ENCORE CAPITAL GROUP INC
144 filing
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements
Items 5.02, 9.01
Show 5 more recent filings
Financials
FY 2025 · USDSource
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balance sheet · annual statements
| Line item | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q2 2024 | Q1 2026 | Q1 2025 | Q1 2024 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ASSETS | ||||||||||||
| AssetsUSD | 5,257,943,000Source | 4,993,716,000Source | 5,565,263,000Source | 5,191,386,000Source | 4,816,844,000Source | 5,450,561,000Source | 4,969,586,000Source | 4,687,175,000Source | 5,339,800,000Source | 4,789,729,000Source | 4,630,486,000Source | 4,508,360,000Source |
| Property, Plant and Equipment, NetUSD | 82,041,000Source | 103,550,000Source | 80,615,000Source | 84,055,000Source | 102,291,000Source | 79,292,000Source | 82,014,000Source | 102,776,000Source | 82,080,000Source | 80,597,000Source | 103,959,000Source | 113,900,000Source |
| GoodwillUSD | 535,626,000Source | 628,131,000Source | 528,742,000Source | 542,912,000Source | 602,811,000Source | 529,487,000Source | 519,410,000Source | 602,400,000Source | 536,291,000Source | 507,808,000Source | 606,475,000Source | 821,214,000Source |
| Intangible Assets, Net (Excluding Goodwill)USD | — | — | — | — | — | — | — | — | — | 0Source | — | — |
| Current assets: | ||||||||||||
| Cash and Cash Equivalents, at Carrying ValueUSD | 172,488,000Source | 247,353,000Source | 182,932,000Source | 172,896,000Source | 250,621,000Source | 227,204,000Source | 187,117,000Source | 172,990,000Source | 156,784,000Source | 199,865,000Source | 158,364,000Source | 143,912,000Source |
| Operating Lease, Right-of-Use AssetUSD | 60,035,000Source | 61,063,000Source | 50,259,000Source | 61,054,000Source | 60,378,000Source | 52,645,000Source | 59,842,000Source | 63,243,000Source | 56,629,000Source | 58,089,000Source | 67,019,000Source | 70,074,000Source |
| LIABILITIES AND EQUITY | ||||||||||||
| LiabilitiesUSD | 4,305,029,000Source | 3,945,611,000Source | 4,486,546,000Source | 4,295,415,000Source | 3,828,717,000Source | 4,415,753,000Source | 4,150,525,000Source | 3,733,316,000Source | 4,363,050,000Source | 4,022,398,000Source | 3,693,948,000Source | 3,328,733,000Source |
| Stockholders’ equity: | ||||||||||||
| Preferred Stock, Value, IssuedUSD | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source |
| Common Stock, Value, IssuedUSD | 229,000Source | 237,000Source | 212,000Source | 231,000Source | 237,000Source | 215,000Source | 235,000Source | 237,000Source | 217,000Source | 237,000Source | 235,000Source | 233,000Source |
| Additional Paid in CapitalUSD | 0Source | 17,016,000Source | 0Source | 0Source | 13,257,000Source | 0Source | 9,645,000Source | 8,648,000Source | 0Source | 19,297,000Source | 11,052,000Source | 0Source |
| Retained Earnings (Accumulated Deficit)USD | 1,083,975,000Source | 1,135,234,000Source | 1,209,896,000Source | 1,015,221,000Source | 1,104,591,000Source | 1,167,038,000Source | 956,723,000Source | 1,072,410,000Source | 1,104,640,000Source | 909,927,000Source | 1,049,171,000Source | 1,278,210,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -131,290,000Source | -104,382,000Source | -131,391,000Source | -119,481,000Source | -129,958,000Source | -132,445,000Source | -147,542,000Source | -127,436,000Source | -128,107,000Source | -162,130,000Source | -123,920,000Source | -98,816,000Source |
| Liabilities and EquityUSD | 5,257,943,000Source | 4,993,716,000Source | 5,565,263,000Source | 5,191,386,000Source | 4,816,844,000Source | 5,450,561,000Source | 4,969,586,000Source | 4,687,175,000Source | 5,339,800,000Source | 4,789,729,000Source | 4,630,486,000Source | 4,508,360,000Source |
| Additional Financial Items | ||||||||||||
| Deferred Tax Liabilities, NetUSD | — | — | — | — | — | — | — | — | 31,816,000Source | 2,060,000Source | 24,863,000Source | 89,781,000Source |
| Stockholders' Equity Attributable to Parent | — | — | — | — | —Source | — | — | —Source | — | — | — | — |
cash flow · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||||
| Net Income (Loss), Including Portion Attributable to Noncontrolling InterestUSD | — | — | 74,660,000Source | 30,643,000Source | 63,999,000Source | 58,721,000Source | 86,243,000Source | 46,796,000Source | 256,834,000Source | -139,244,000Source | -206,492,000Source | 194,564,000Source |
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||||
| Depreciation, Depletion and AmortizationUSD | — | — | — | — | — | — | 6,858,000Source | 7,344,000Source | 28,760,000Source | 32,434,000Source | 41,737,000Source | 50,494,000Source |
| Share-based Payment Arrangement, Noncash ExpenseUSD | — | — | — | — | — | — | 4,575,000Source | 3,424,000Source | 18,269,000Source | 14,012,000Source | 13,854,000Source | 15,402,000Source |
| Deferred Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | 29,819,000Source | -22,280,000Source | -55,916,000Source | 46,410,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | — | — | — | — | — | — | 82,326,000Source | 45,283,000Source | 153,199,000Source | 156,168,000Source | 152,991,000Source | 210,681,000Source |
| Cash flows from investing activities: | ||||||||||||
| Net Cash Provided by (Used in) Investing ActivitiesUSD | — | — | — | — | — | — | -27,407,000Source | -100,278,000Source | -242,586,000Source | -440,430,000Source | -401,941,000Source | -130,235,000Source |
| Payments for (Proceeds from) Other Investing ActivitiesUSD | — | — | — | — | — | — | -8,517,000Source | -9,835,000Source | 1,893,000Source | -8,924,000Source | 793,000Source | -27,722,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | — | — | — | — | — | — | 4,856,000Source | 6,990,000Source | 26,270,000Source | 29,007,000Source | 24,807,000Source | 37,224,000Source |
| Cash flows from financing activities: | ||||||||||||
| Payments for Repurchase of Common StockUSD | — | — | — | — | — | — | — | — | 90,402,000Source | 0Source | 0Source | 87,006,000Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | — | — | — | — | — | — | 18,609,000Source | 40,337,000Source | 44,854,000Source | 317,774,000Source | 268,300,000Source | -107,445,000Source |
| Proceeds from (Payments for) Other Financing ActivitiesUSD | — | — | — | — | — | — | -14,026,000Source | -9,999,000Source | -4,137,000Source | 4,977,000Source | -7,040,000Source | -22,357,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | — | — | 172,488,000Source | 247,353,000Source | 182,932,000Source | 172,896,000Source | 227,204,000Source | 187,117,000Source | 156,784,000Source | 199,865,000Source | 158,364,000Source | 143,912,000Source |
| Supplemental disclosure of cash flow information: | ||||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | — | — | — | — | — | — | 37,343,000Source | 41,303,000Source | 259,812,000Source | 210,580,000Source | 163,815,000Source | 131,391,000Source |
| Income Taxes Paid, NetUSD | — | — | — | — | — | — | 860,000Source | 1,247,000Source | 54,766,000Source | 67,091,000Source | 68,522,000Source | 71,276,000Source |
| Effect of Exchange Rate on Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | — | — | — | — | — | — | -3,108,000Source | 1,910,000Source | 1,452,000Source | 7,989,000Source | -4,898,000Source | -18,734,000Source |
| Additional Financial Items | ||||||||||||
| Share-based Payment Arrangement, ExpenseUSD | — | — | — | — | — | — | — | — | 18,300,000Source | 14,000,000Source | 13,900,000Source | 15,400,000Source |
| Amortization of Intangible AssetsUSD | — | — | — | — | — | — | — | — | — | — | 3,600,000Source | 10,400,000Source |
| DepreciationUSD | — | — | — | — | — | — | — | — | 28,800,000Source | 32,400,000Source | 38,200,000Source | 40,100,000Source |
| Financing Interest ExpenseUSD | — | — | — | — | — | — | — | — | — | — | — | 0Source |
| Gain (Loss) on Extinguishment of DebtUSD | — | — | — | — | -30,533,000Source | 0Source | — | — | -1,614,000Source | -7,832,000Source | 0Source | 0Source |
| General and Administrative ExpenseUSD | — | — | 39,220,000Source | 38,808,000Source | 38,724,000Source | 41,327,000Source | 39,629,000Source | 41,018,000Source | 165,948,000Source | 163,847,000Source | 144,862,000Source | 145,798,000Source |
| GoodwillUSD | — | — | 535,626,000Source | 628,131,000Source | 528,742,000Source | 542,912,000Source | 529,487,000Source | 519,410,000Source | 536,291,000Source | 507,808,000Source | 606,475,000Source | 821,214,000Source |
| Goodwill, Impairment LossUSD | — | — | — | — | — | — | — | — | 0Source | 100,600,000Source | 238,200,000Source | — |
| Impairment of Intangible Assets (Excluding Goodwill)USD | — | — | — | — | — | — | — | — | 0Source | 18,544,000Source | 18,726,000Source | — |
| Income Tax Expense (Benefit)USD | — | — | 25,205,000Source | 10,119,000Source | 18,848,000Source | 19,295,000Source | 25,489,000Source | 13,664,000Source | 79,325,000Source | 43,029,000Source | 26,228,000Source | 116,425,000Source |
| InterestExpenseNonoperatingUSD | — | — | 74,242,000Source | 66,906,000Source | 73,907,000Source | 73,943,000Source | 73,050,000Source | 70,530,000Source | 293,910,000Source | 252,545,000Source | — | — |
| Net Income (Loss) Attributable to ParentUSD | — | — | 74,660,000Source | 30,643,000Source | 63,999,000Source | 58,721,000Source | 86,243,000Source | 46,796,000Source | 256,834,000Source | -139,244,000Source | -206,492,000Source | 194,564,000Source |
| Net Income (Loss) Attributable to Noncontrolling InterestUSD | — | — | — | — | — | — | — | — | — | — | 0Source | 0Source |
| Nonoperating Income (Expense)USD | — | — | -73,313,000Source | -65,328,000Source | -104,055,000Source | -72,717,000Source | -72,260,000Source | -68,883,000Source | -290,488,000Source | -253,545,000Source | -196,799,000Source | -151,185,000Source |
| Operating ExpensesUSD | — | — | 287,175,000Source | 260,981,000Source | 304,970,000Source | 291,389,000Source | 291,419,000Source | 263,432,000Source | 1,142,155,000Source | 1,159,031,000Source | 1,206,145,000Source | 936,173,000Source |
| Other Nonoperating Income (Expense)USD | — | — | 929,000Source | 1,578,000Source | 385,000Source | 1,226,000Source | 790,000Source | 1,647,000Source | 5,036,000Source | 6,832,000Source | 5,078,000Source | 2,123,000Source |
| Payments of Financing CostsUSD | — | — | — | — | — | — | 1,109,000Source | 255,000Source | 10,210,000Source | 21,418,000Source | 13,707,000Source | 1,659,000Source |
income statement · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total RevenueUSD | — | — | 460,353,000Source | 367,071,000Source | 491,872,000Source | 442,122,000Source | 475,411,000Source | 392,775,000Source | 1,768,802,000Source | 1,316,361,000Source | 1,222,680,000Source | 1,398,347,000Source |
| Operating Income (Loss)USD | — | — | 173,178,000Source | 106,090,000Source | 186,902,000Source | 150,733,000Source | 183,992,000Source | 129,343,000Source | 626,647,000Source | 157,330,000Source | 16,535,000Source | 462,174,000Source |
| Other Nonoperating Income (Expense)USD | — | — | 929,000Source | 1,578,000Source | 385,000Source | 1,226,000Source | 790,000Source | 1,647,000Source | 5,036,000Source | 6,832,000Source | 5,078,000Source | 2,123,000Source |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | — | — | 99,865,000Source | 40,762,000Source | 82,847,000Source | 78,016,000Source | 111,732,000Source | 60,460,000Source | 336,159,000Source | -96,215,000Source | -180,264,000Source | 310,989,000Source |
| Income Tax Expense (Benefit)USD | — | — | 25,205,000Source | 10,119,000Source | 18,848,000Source | 19,295,000Source | 25,489,000Source | 13,664,000Source | 79,325,000Source | 43,029,000Source | 26,228,000Source | 116,425,000Source |
| Net Income (Loss) Attributable to Noncontrolling InterestUSD | — | — | — | — | — | — | — | — | — | — | 0Source | 0Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 74,660,000Source | 30,643,000Source | 63,999,000Source | 58,721,000Source | 86,243,000Source | 46,796,000Source | 256,834,000Source | -139,244,000Source | -206,492,000Source | 194,564,000Source |
| Earnings Per Share, BasicUSD per share | — | — | 3.22Source | 1.28Source | 2.97Source | 2.5Source | 3.97Source | 1.96Source | 11.05Source | -5.83Source | -8.72Source | 8.06Source |
| Earnings Per Share, DilutedUSD per share | — | — | 3.17Source | 1.26Source | 2.81Source | 2.49Source | 3.86Source | 1.93Source | 10.91Source | -5.83Source | -8.72Source | 7.46Source |
| Weighted Average Number of Shares Outstanding, Basicshares | — | — | 23,222,000Source | 23,912,000Source | 21,554,000Source | 23,507,000Source | 21,728,000Source | 23,879,000Source | 23,234,000Source | 23,873,000Source | 23,670,000Source | 24,142,000Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | — | — | 23,520,000Source | 24,407,000Source | 22,791,000Source | 23,578,000Source | 22,320,000Source | 24,269,000Source | 23,534,000Source | 23,873,000Source | 23,670,000Source | 26,092,000Source |
| Interest Expense (non-operating)USD | — | — | 74,242,000Source | 66,906,000Source | 73,907,000Source | 73,943,000Source | 73,050,000Source | 70,530,000Source | 293,910,000Source | 252,545,000Source | — | — |
| Additional Financial Items | ||||||||||||
| Amortization of Intangible AssetsUSD | — | — | — | — | — | — | — | — | — | — | 3,600,000Source | 10,400,000Source |
| Current Income Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | 49,506,000Source | 65,309,000Source | 82,144,000Source | 70,015,000Source |
| Depreciation, Depletion and Amortization, NonproductionUSD | — | — | 7,170,000Source | 8,158,000Source | 7,112,000Source | 7,311,000Source | 6,858,000Source | 7,344,000Source | 28,760,000Source | 32,434,000Source | 41,737,000Source | 50,494,000Source |
| Financing Interest ExpenseUSD | — | — | — | — | — | — | — | — | — | — | — | 0Source |
| General and Administrative ExpenseUSD | — | — | 39,220,000Source | 38,808,000Source | 38,724,000Source | 41,327,000Source | 39,629,000Source | 41,018,000Source | 165,948,000Source | 163,847,000Source | 144,862,000Source | 145,798,000Source |
| Goodwill, Impairment LossUSD | — | — | — | — | — | — | — | — | 0Source | 100,600,000Source | 238,200,000Source | — |
| Income (Loss) from Continuing Operations before Income Taxes, DomesticUSD | — | — | — | — | — | — | — | — | 285,981,000Source | 137,101,000Source | 61,356,000Source | 331,009,000Source |
| Interest ExpenseUSD | — | — | — | — | — | — | — | — | — | — | 201,877,000Source | 153,308,000Source |
| Labor and Related ExpenseUSD | — | — | 117,118,000Source | 107,502,000Source | 119,585,000Source | 117,738,000Source | 114,541,000Source | 105,932,000Source | 458,233,000Source | 422,910,000Source | 391,532,000Source | 375,135,000Source |
| Nonoperating Income (Expense)USD | — | — | -73,313,000Source | -65,328,000Source | -104,055,000Source | -72,717,000Source | -72,260,000Source | -68,883,000Source | -290,488,000Source | -253,545,000Source | -196,799,000Source | -151,185,000Source |
| Operating ExpensesUSD | — | — | 287,175,000Source | 260,981,000Source | 304,970,000Source | 291,389,000Source | 291,419,000Source | 263,432,000Source | 1,142,155,000Source | 1,159,031,000Source | 1,206,145,000Source | 936,173,000Source |
| Other Cost and Expense, OperatingUSD | — | — | 37,056,000Source | 31,804,000Source | 36,831,000Source | 36,990,000Source | 34,833,000Source | 34,252,000Source | 144,476,000Source | 130,802,000Source | 111,179,000Source | 111,234,000Source |
| Other IncomeUSD | — | — | 4,416,000Source | 3,505,000Source | 2,287,000Source | 3,049,000Source | 2,014,000Source | 3,546,000Source | 15,848,000Source | 18,751,000Source | 17,637,000Source | 7,919,000Source |
Filing attachments
a20260819ex991-pressreleas.htm · 8-K · 2026-08-19
EX-99.1 2 a20260819ex991-pressreleas.htm EX-99.1 Document Exhibit 99.1 Robert W. Beck Appointed to Encore Capital Group Board of Directors SAN DIEGO, August 19, 2026 -- Encore Capital Group, Inc. (NASDAQ: ECPG), an international specialty finance company, announced today the appointment of Robert (Rob) Beck to its board of directors, effective immediately. He will serve on the Board’s Audit and Risk Committees. Mr. Beck is a seasoned financial services executive with more than 30 years o…
Read attachment ↗ex41-indenturefrnmay282026.htm · 8-K · 2026-05-29
EX-4.1 2 ex41-indenturefrnmay282026.htm EX-4.1 Document Exhibit 4.1 ENCORE CAPITAL GROUP, INC., as the Company THE GUARANTORS PARTIES HERETO, €325,000,000 of Senior Secured Floating Rate Notes due 2033 __________________ INDENTURE May 28, 2026 __________________ GLAS TRUST COMPANY LLC, as Trustee GLAS TRUST COMPANY LLC, as Principal Paying Agent, Calculation Agent and Transfer Agent GLAS TRUST COMPANY LLC, as Registrar TRUIST BANK, as Security Agent TABLE OF CONTENTS Article I …
Read attachment ↗ex41-indenturemay222026.htm · 8-K · 2026-05-26
EX-4.1 2 ex41-indenturemay222026.htm EX-4.1 Document Exhibit 4.1 ENCORE CAPITAL GROUP, INC., as the Company THE GUARANTORS PARTIES HERETO, $750,000,000 of 6.625% Senior Secured Notes due 2032 __________________ INDENTURE May 22, 2026 __________________ GLAS TRUST COMPANY LLC, as Trustee GLAS TRUST COMPANY LLC, as Principal Paying Agent and Transfer Agent GLAS TRUST COMPANY LLC, as Registrar TRUIST BANK, as Security Agent TABLE OF CONTENTS Article I Definitions and Incorporation…
Read attachment ↗ex41-indenturedatedoctober.htm · 8-K · 2025-10-02
EX-4.1 2 ex41-indenturedatedoctober.htm EX-4.1 Document Exhibit 4.1 ENCORE CAPITAL GROUP, INC., as the Company THE GUARANTORS PARTIES HERETO, $500,000,000 of 6.625% Senior Secured Notes due 2031 __________________ INDENTURE October 1, 2025 __________________ GLAS TRUST COMPANY LLC, as Trustee GLAS TRUST COMPANY LLC, as Principal Paying Agent and Transfer Agent GLAS TRUST COMPANY LLC, as Registrar TRUIST BANK, as Security Agent TABLE OF CONTENTS Article I Definitions and Incorpo…
Read attachment ↗