Encore Capital Group Inc (ECPG)

From the record

Encore Capital Group Inc's filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

From the record

Encore Capital Group Inc's 10 filed years say what it did: revenue went from $1.1 billion in fiscal 2016 to $1.8 billion in fiscal 2025, up 5.3% a year; it rose in 7 of 9 years; the deepest fall was 24% from fiscal 2021 to fiscal 2023; net income was positive in 8 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, Encore Capital Group Inc's diluted share count shrank about 3.4% a year, and dividends and buybacks returned about 20% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 16 sales (8 under scheduled 10b5-1 plans) and 0 purchases of their own stock on the open market in the year to 2026-11-12 (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, Encore Capital Group Inc earned about 26 cents of profit for every dollar of shareholders' money. Leverage: it owed about 82 cents per dollar of assets, and net share issuance: its share count shrank 1.4% over the year (the filed statements).

From the record

Encore Capital Group Inc's standing among 19 graded names in its industry family: revenue of $1.8 billion in fiscal 2025 ranks in the top 15% by size; a net margin of 14.5% ranks in the top 34%; revenue growth of 8.1% a year over the last 3 filed years ranks in the bottom 45% (its annual reports).

From the record

Encore Capital Group Inc's leadership, from its insiders' filings and its current reports: the chief executive on the record is Masih, Ashish (President and CEO, as filed), filing under that title since 2017-06-26, 9.4 years (top 11% of its family); the 13 officers and directors filing in the last fifteen months have been on the record a median of 7.1 years (top 21%); 5 officer or director changes were reported on Form 8-K since 2023-11-13, against the 13 people in charge now (top 34%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Encore Capital Group Inc's room to grow, from the newest filed statements (fiscal 2025): cash of $157 million against debt of $4.0 billion leaves -72.6% of its assets as net cash, bottom 18% of its family; cash from operations less capital spending is 7.2% of revenue (top 29%) (its annual report).

From the record

Encore Capital Group Inc's growth drivers, from the filed years to fiscal 2025: revenue grew 8.1% a year over the last three filed years against 5.3% over all 10, speeding up (top 39% of its family); the newest year grew 34.4% (top 29%); capital spending grew -11% a year (bottom 39%) (its annual reports). Encore Capital Group Inc tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

Encore Capital Group Inc's newest year against its own record: revenue of $1.8 billion in fiscal 2025 came in 38.5% above the $1.3 billion its prior three years' pace pointed to (top 15% of its family); net income of $257 million against a prior three-year average of $50 million (top 6%); a net margin of 14.5% against -4.5% before (top 32%) (its annual reports).