What is the 13F Pro Quality Score for ECPG?

13F Pro ranks ENCORE CAPITAL GROUP INC (ECPG) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View ECPG's current score at https://13fpro.ai/company/ECPG (free sign-up required for the full ranking).

Which hedge funds own the most ECPG stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of ECPG include BlackRock,, UBS Group AG, VANGUARD PORTFOLIO MANAGEMENT. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/ECPG as soon as new 13F filings post.

Where does 13F Pro source ECPG data?

All ENCORE CAPITAL GROUP INC fundamentals and ownership data come directly from SEC EDGAR. ENCORE CAPITAL GROUP INC files with the SEC under CIK 1084961. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is ECPG in?

ENCORE CAPITAL GROUP INC (ECPG) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives ECPG's revenue?

Per ENCORE CAPITAL GROUP INC's latest 10-Q filed with the SEC on 2026-08-05, the biggest revenue drivers are: Debt purchasing revenue ($471.4M, +13.1% YoY); Servicing revenue ($18.2M, -18.3% YoY); Other revenues ($2.3M, -25.0% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/ECPG.

What are ECPG's largest expenses?

ENCORE CAPITAL GROUP INC's latest 10-Q reports these as the largest expense items: Cost of legal collections ($96.6M, +21.3% YoY); Salaries and employee benefits ($119.6M, +1.6% YoY); General and administrative expenses ($38.7M, -6.3% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is ECPG research updated on 13F Pro?

ECPG's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

ENCORE CAPITAL GROUP INC(ECPG)Stock Analysis

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13F Pro Quality Score

70.9/100

Rank #207 of 2,961 stocksTOP 10%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

80.1/100

Profitability

80.3/100

Balance Sheet

72.4/100

Earnings Quality

19.6/100

Free Cash Flow

46.7/100

Institutional Flow

23.6/100

Revenue Scale

62.1/100

Dilution Risk

56.4/100

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Why ECPG Scores 71/100

exact factor attribution · 2026-09-11

ECPG's composite is driven by revenue growth and profitability, held back by earnings quality and institutional flow. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+8.0 pts

80th pct

Profitability

+6.1 pts

80th pct

Capital efficiency

+3.0 pts

72th pct

Earnings growth

+2.8 pts

91th pct

Scale

+2.4 pts

62th pct

Shareholder dilution

+0.4 pts

56th pct

Free cash flow

-0.5 pts

47th pct

Institutional flow

-1.8 pts

24th pct

Earnings quality

-3.0 pts

20th pct

Latest change (2026-08-06): 65 → 61 · ↓ Dilution 56→9

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

ECPG Stock Analysis & AI Quality Score

Data updated 2026-09-11

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 70.9/100 on a 32-signal composite quality model, placing it at rank #207 of 2,961 stocks — the top 10% of the AI-ranked universe. ECPG scores in the top quartile across profitability (80.3), revenue growth (80.1). Areas of concern include earnings quality (19.6) and institutional flow (23.6), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), ENCORE CAPITAL GROUP INC reports quarterly revenue of $491.9M, net income of $64.0M, an operating margin of 38.0%. Top institutional holders of ECPG by reported 13-F value include BlackRock, UBS Group AG, VANGUARD PORTFOLIO MANAGEMENT, 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 32 and 71 since 2021, currently 70.9 — an improving long-term trajectory across 68 quarterly and live scoring snapshots.

What's Driving ECPG's Business? Latest 10-Q Breakdown

✓ 26/26 datapoints verified

AI-extracted from ENCORE CAPITAL GROUP INC's 10-Q filed 2026-08-05 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Q2 net income rose 9% YoY to $64.0M on 11.3% revenue growth to $491.9M, driven by strong U.S. collections over-performance and higher portfolio basis.

Biggest Revenue Drivers

Debt purchasing revenue$471.4M+13.1% YoY

Portfolio revenue increased 10.8% YoY on higher portfolio basis; recoveries above forecast drove 27.9% YoY increase in changes in recoveries.

Servicing revenue$18.2M-18.3% YoY

Decrease driven by lower BPO revenue and collection service fees.

Biggest Revenue Drivers

Total revenue: $491.9M+11.3% YoY

Debt purchasing revenue$471.4M+13.1% YoY

Portfolio revenue increased 10.8% YoY on higher portfolio basis; recoveries above forecast drove 27.9% YoY increase in changes in recoveries.

Servicing revenue$18.2M-18.3% YoY

Decrease driven by lower BPO revenue and collection service fees.

Other revenues$2.3M-25.0% YoY

Lower gains on sales of real estate assets.

Largest Expense Items

Cost of legal collections$96.6M+21.3% YoY

Increased legal placements in the United States; court costs rose 22.0% YoY.

Salaries and employee benefits$119.6M+1.6% YoY

Higher employee benefits and stock-based compensation offset by slight salary increases.

General and administrative expenses$38.7M-6.3% YoY

Decreased consulting fees of $4.4M, partially offset by higher IT expenses.

Interest expense$73.9M—% YoY

Slight increase in stated interest offset by lower interest rates; interest paid relatively flat YoY.

Margins: Operating margin expanded to 38.0% from 34.1% YoY, reflecting operating leverage from 11.3% revenue growth and 4.7% operating expense growth. Loss on extinguishment of debt of $30.5M from debt refinancings reduced net income growth despite strong operational performance.

Watch Items from the Filing

Convertible notes due March 2029 ($230M) were called for redemption on September 24, 2026 at par plus accrued interest; company expects capped call option unwinding to generate additional cash proceeds.
U.S. collections benefited from new technologies and digital capabilities driving over-performance of $53.1M in Q2 2026 vs. forecast, primarily in early portfolio stages; management notes this sustained over-performance for recent vintages.
European portfolio pricing remains competitive, constraining capital deployment; European capital deployments increased only modestly to $71.5M in Q2 vs. $49.8M YoY.
Forward flow purchase agreements in place for minimum $557.4M; expected actual purchases significantly higher; supply remains robust with lending and charge-off rates elevated.
Available capacity under Global Senior Facility was $793.4M as of June 30, 2026; company maintains material compliance with all financing covenants and sufficient liquidity for next 12 months.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$491.9M

Net Income

Q2 2026

$64.0M

Free Cash Flow

Q2 2026

$-37.8M

Operating Margin

Q2 2026

38.0%

ROIC

Q2 2026

69.3%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+34.4% YoY

$1.77BFY 2025

FY22 $1.40BFY23 $1.22BFY24 $1.32BFY25 $1.77B

Net Income

+284.4% YoY

$256.8MFY 2025

FY22 $194.6MFY23 $-206.5MFY24 $-139.2MFY25 $256.8M

Operating Income

+298.3% YoY

$626.6MFY 2025

FY22 $462.2MFY23 $16.5MFY24 $157.3MFY25 $626.6M

EPS (Diluted)

+287.1% YoY

$10.91FY 2025

FY22 $7.46FY23 $-8.72FY24 $-5.83FY25 $10.91

Total Assets

+11.5% YoY

$5.34BFY 2025

FY22 $4.51BFY23 $4.63BFY24 $4.79BFY25 $5.34B

Total Debt

+8.7% YoY

$4.03BFY 2025

FY22 $2.94BFY23 $3.36BFY24 $3.71BFY25 $4.03B

Op. Cash Flow

-1.9% YoY

$153.2MFY 2025

FY22 $210.7MFY23 $153.0MFY24 $156.2MFY25 $153.2M

Free Cash Flow

-0.2% YoY

$126.9MFY 2025

FY22 $173.5MFY23 $128.2MFY24 $127.2MFY25 $126.9M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$1.77B +34.4%	$1.32B +7.7%	$1.22B -12.6%	$1.40B -13.4%	$1.61B +7.5%	$1.50B
Net Income	$256.8M +284.4%	$-139.2M +32.6%	$-206.5M -206.1%	$194.6M -44.5%	$350.8M +65.6%	$211.8M
Operating Income	$626.6M +298.3%	$157.3M +851.5%	$16.5M -96.4%	$462.2M -27.0%	$633.3M +18.7%	$533.6M
EPS (Diluted)	$10.91 +287.1%	$-5.83 +33.1%	$-8.72 -216.9%	$7.46 -33.7%	$11.26 +68.6%	$6.68
Total Assets	$5.34B +11.5%	$4.79B +3.4%	$4.63B +2.7%	$4.51B -2.2%	$4.61B -5.3%	$4.86B
Total Debt	$4.03B +8.7%	$3.71B +10.5%	$3.36B +14.2%	$2.94B -3.7%	$3.06B -9.4%	$3.37B
Operating Cash Flow	$153.2M -1.9%	$156.2M +2.1%	$153.0M -27.4%	$210.7M -30.5%	$303.1M -3.1%	$312.9M
Free Cash Flow	$126.9M -0.2%	$127.2M -0.8%	$128.2M -26.1%	$173.5M -35.7%	$269.7M -3.1%	$278.3M

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13F Pro tracks comprehensive data for ENCORE CAPITAL GROUP INC including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of ECPG

BlackRock, Inc.
$343.2M3,679,162 sh
UBS Group AG
$162.8M1,745,280 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$122.4M1,311,523 sh
LINDEN ADVISORS LP
$118.3M77,210,000 sh
DIMENSIONAL FUND ADVISORS LP
$97.7M1,047,576 sh
VANGUARD CAPITAL MANAGEMENT LLC
$85.0M911,277 sh
STATE STREET CORP
$79.9M856,207 sh
GEODE CAPITAL MANAGEMENT, LLC
$59.7M639,836 sh
AMERICAN CENTURY COMPANIES INC
$58.9M631,819 sh
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP
$49.2M527,078 sh

Fund	Value	Shares
BlackRock, Inc.	$343.2M	3,679,162
UBS Group AG	$162.8M	1,745,280
VANGUARD PORTFOLIO MANAGEMENT LLC	$122.4M	1,311,523
LINDEN ADVISORS LP	$118.3M	77,210,000
DIMENSIONAL FUND ADVISORS LP	$97.7M	1,047,576
VANGUARD CAPITAL MANAGEMENT LLC	$85.0M	911,277
STATE STREET CORP	$79.9M	856,207
GEODE CAPITAL MANAGEMENT, LLC	$59.7M	639,836
AMERICAN CENTURY COMPANIES INC	$58.9M	631,819
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP	$49.2M	527,078

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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. ECPG is classified as a mid company.

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.