Encore Capital Group Inc
Encore Capital Group Inc (ECPG) is a US-listed specialised consumer debt buyer and collector. The company purchases charged-off retail and credit-card receivables at discounts, then seeks recovery through in‑house collections and legal channels, generating cash flow from repayments and settlements. With a market cap of about $987 million, Encore’s earnings are linked to portfolio acquisition economics, recovery rates and operational efficiency. Key factors for investors include sensitivity to macroeconomic conditions, regulatory and litigation risk in multiple jurisdictions, and the company’s leverage and funding costs. Encore has been investing in analytics and digital channels to improve recovery while managing compliance. Potential upside comes from disciplined portfolio pricing and recovery improvements; downside stems from tougher regulation, borrower financial stress, or poor portfolio performance. This summary is educational only and not investment advice; outcomes can vary and investors should assess suitability for their own risk profile or consult a financial adviser.
Stock Performance Snapshot
Analyst Rating
Analysts suggest buying Encore Capital Group's stock as it has room to grow in value.
Financial Health
Encore Capital Group is performing well with strong revenue, cash flow, and profitability indicators.
Dividend
Encore Capital Group's projected dividend yield of 1.2% is below average for dividend-paying stocks. If you invested $1000 you would be paid $12 a year in dividends (based on the last 12 months).
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Explore BasketWhy You’ll Want to Watch This Stock
Earnings from collections
Revenue is driven by how much the firm recovers versus the price paid for portfolios; performance can swing with economic cycles and portfolio mix.
Regulation and litigation
The business faces significant compliance and legal risks across jurisdictions, which can raise costs or limit collections; outcomes are uncertain.
Digital and data focus
Investments in analytics and digital channels aim to improve recoveries and efficiency, though results depend on execution and external factors.
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