ENCORE CAPITAL GROUP INC(ECPG)Stock Analysis
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Rank #633 of 2,879 stocksTOP 25%
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
ECPG Stock Analysis & AI Quality Score
AI stock analysis and institutional research for ENCORE CAPITAL GROUP INC (ECPG), a Financials sector company. 13F Pro's AI-powered ranking engine scores ECPG at 64.5/100 on a 32-signal composite quality model, placing it at rank #633 of 2,879 stocks — the top 25% of the AI-ranked universe. ECPG scores in the top quartile across profitability (97.9), free cash flow (97.2), earnings quality (89.8). Areas of concern include revenue scale (16.0) and institutional flow (39.0), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q1 2026), ENCORE CAPITAL GROUP INC reports quarterly revenue of $475.4M, net income of $86.2M, an operating margin of 38.7%. Top institutional holders of ECPG by reported 13-F value include BlackRock,, UBS Group AG, LINDEN ADVISORS, based on the most recent SEC filings. ECPG trades on the Nasdaq exchange and files with the SEC under CIK 1084961. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate ECPG daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for ENCORE CAPITAL GROUP INC directly from SEC EDGAR. ENCORE CAPITAL GROUP INC's 13F Pro composite quality score has ranged between 49 and 68 since 2021, currently 64.5 — an improving long-term trajectory across 28 quarterly and live scoring snapshots.
Revenue
Q1 2026
$475.4M
Net Income
Q1 2026
$86.2M
Free Cash Flow
Q1 2026
$77.5M
Operating Margin
Q1 2026
38.7%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
+7.7% YoYNet Income
+32.6% YoYOperating Income
+851.5% YoYEPS (Diluted)
+33.1% YoYTotal Assets
+3.4% YoYTotal Debt
+10.5% YoYOp. Cash Flow
+2.1% YoY| Metric | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|
| Revenue | $1.32B +7.7% | $1.22B -12.6% | $1.40B -13.4% | $1.61B +7.5% | $1.50B +6.8% | $1.41B |
| Net Income | $-139.2M +32.6% | $-206.5M -205.9% | $195.0M -44.4% | $351.0M +65.7% | $211.8M +26.2% | $167.9M |
| Operating Income | $157.3M +851.5% | $16.5M -96.4% | $462.2M -27.0% | $633.3M +18.7% | $533.6M +19.5% | $446.3M |
| EPS (Diluted) | $-5.83 +33.1% | $-8.72 -216.9% | $7.46 -33.7% | $11.26 +68.6% | $6.68 +25.3% | $5.33 |
| Total Assets | $4.79B +3.4% | $4.63B +2.7% | $4.51B -2.2% | $4.61B -5.3% | $4.86B -0.9% | $4.91B |
| Total Debt | $3.71B +10.5% | $3.36B +14.2% | $2.94B -3.7% | $3.06B -9.4% | $3.37B -5.9% | $3.59B |
| Operating Cash Flow | $156.2M +2.1% | $153.0M -27.4% | $210.7M -30.5% | $303.1M -3.1% | $312.9M +27.8% | $244.7M |
AI Insight: ECPG Financial Trends
ECPG delivered strong operational recovery with revenue growing 78% from Q4 2024 trough to Q1 2026 despite Q4 2024 loss.
• Revenue surged from $266M in Q4 2024 to $475M in Q1 2026, marking consistent quarterly growth after the trough.
• Operating income rebounded from -$134M loss in Q4 2024 to $184M in Q1 2026, showing strong operational turnaround.
• Net income recovered from -$225M loss in Q4 2024 to $86M profit in Q1 2026, demonstrating earnings momentum.
• Total debt increased from $3,710M in Q4 2024 to $4,033M in Q4 2025, reflecting higher leverage.
⚠ Operating cash flow remains volatile, dropping from $82M in Q3 2025 to $17M in Q4 2025 before rebounding.
⚠ The Q4 2024 massive loss and negative operating income warrant monitoring for potential recurring issues.
AI Insight: ECPG Ratio Trends
ECPG demonstrated remarkable recovery with operating margin surging from -50.5% in Q4 2024 to 38.7% in Q1 2026.
• Operating margin expanded dramatically from -50.5% in Q4 2024 to 38.7% in Q1 2026, indicating strong operational turnaround.
• Net profit margin improved consistently from 11.9% in Q1 2025 to 18.1% in Q1 2026.
• ROA recovered from -18.8% in Q4 2024 to 6.3% in Q1 2026, showing effective asset utilization.
• ROIC turned positive at 17.2% in Q4 2025 after negative -14.5% in Q4 2024.
⚠ Large data gaps for ROE, ROIC, and D/E ratios limit visibility into capital structure trends.
⚠ Q4 2024's massive losses suggest potential for volatility during challenging periods.
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Available Research
13F Pro tracks comprehensive data for ENCORE CAPITAL GROUP INC including:
Top Institutional Holders of ECPG
BlackRock, Inc.
$273.0M3,893,475 shUBS Group AG
$122.4M1,745,280 shLINDEN ADVISORS LP
$96.1M75,960,000 shTurtle Creek Asset Management Inc.
$92.4M1,318,445 shStephens Investment Management Group LLC
$91.2M1,301,078 shVANGUARD PORTFOLIO MANAGEMENT LLC
$87.1M1,242,682 shDIMENSIONAL FUND ADVISORS LP
$70.6M1,007,023 shVANGUARD CAPITAL MANAGEMENT LLC
$65.6M936,058 shSTATE STREET CORP
$59.6M849,459 shWHITEBOX ADVISORS LLC
$51.3M40,762,000 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $273.0M | 3,893,475 |
| UBS Group AG | $122.4M | 1,745,280 |
| LINDEN ADVISORS LP | $96.1M | 75,960,000 |
| Turtle Creek Asset Management Inc. | $92.4M | 1,318,445 |
| Stephens Investment Management Group LLC | $91.2M | 1,301,078 |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $87.1M | 1,242,682 |
| DIMENSIONAL FUND ADVISORS LP | $70.6M | 1,007,023 |
| VANGUARD CAPITAL MANAGEMENT LLC | $65.6M | 936,058 |
| STATE STREET CORP | $59.6M | 849,459 |
| WHITEBOX ADVISORS LLC | $51.3M | 40,762,000 |
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Popular Research
Is ECPG a good stock to buy?
13F Pro's AI-powered analysis of ENCORE CAPITAL GROUP INC (ECPG) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for ECPG are available on the ECPG stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own ECPG?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling ECPG. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of ENCORE CAPITAL GROUP INC's investment landscape.