Encore Capital Group, Inc. (ECPG)

Encore Capital Group's stock price has been positively impacted by several developments in the past six months. The company reported strong Q3 2025 results, with earnings per share (EPS) and revenue exceeding forecasts, leading to a stock increase. Collections surged, and debt purchasing revenue rose. The stock reached new 52-week highs. The company announced an upsizing of its share repurchase authorization to US$600 million. Over the last six months, ECPG's stock price has increased.

Encore Capital Group's business model is influenced by economic cycles, affecting the supply of non-performing loans (NPLs). The company leverages its operational scale and data analytics expertise to deliver attractive returns across various economic cycles. While the supply of debt portfolios may experience cyclical variations, the demand for debt recovery services is generally ongoing. The company's strategy allows it to direct capital to markets offering the highest risk-adjusted returns, providing flexibility in managing fluctuations in debt supply.

Encore Capital Group, Inc. (ECPG) is a global specialty finance company focused on providing debt recovery solutions. The company purchases portfolios of defaulted consumer receivables at a discount and works with individuals to repay these obligations. Encore also offers debt servicing, early-stage collection, business process outsourcing, and contingent collection services, emphasizing an ethical approach to debt recovery.

Encore Capital Group has a significant international presence, with operations and investments across North America, Europe, Asia, and Latin America. Its primary geographical segments include the United States and Europe, with subsidiaries like Midland Credit Management (MCM) operating in the U.S. and Cabot Credit Management (Cabot) in Europe, particularly in the U.K., Spain, and France.

Encore Capital Group emphasizes its commitment to consumers through its "Consumer Bill of Rights." In July 2025, Encore announced the findings of its third Economic Freedom Study, demonstrating the company's focus on understanding consumer needs and providing empathetic solutions for debt resolution. In the past the Consumer Financial Protection Bureau (CFPB) filed a lawsuit against Encore Capital and its subsidiary Cabot Financial, which was resolved with Encore agreeing to pay consumer redress and a civil money penalty, and being subject to five years of monitoring.

Encore Capital Group's stock ownership is primarily institutional, with approximately 86.54% owned by institutional investors, 4.42% by insiders, and 9.04% by public companies and individual investors. Major institutional shareholders include BlackRock, Inc., Vanguard Group Inc., and others. Willem Mesdag is the largest individual shareholder, owning 55.11% of the company.