111.98
-1.89%
Close of 9 Nov 2026, in USD
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About Encore Capital Group
From its filings with the US Securities and Exchange Commission
Encore Capital Group is based in San Diego, California and is incorporated in Delaware. Its shares trade on Nasdaq under the ticker ECPG. The SEC classifies its business as short-term business credit institutions. In the fiscal year to 31 December 2025, it reported revenue of $1.77bn and net income of $256.8m. At that date it held total assets of $5.34bn and shareholders' equity of $976.8m.
We are an international specialty finance company providing debt recovery solutions and other related services for consumers across a broad range of financial assets. We primarily purchase portfolios of defaulted consumer receivables at deep discounts to face value and manage them by working with individuals as they repay their obligations and work toward financial recovery. Defaulted receivables are consumers’ unpaid financial obligations to credit originators, including banks, credit unions, consumer finance companies and commercial retailers. Defaulted receivables may also include receivables subject to bankruptcy proceedings. We also provide debt servicing and other portfolio management services to credit originators for non-performing loans in Europe.
Through Midland Credit Management, Inc. and its domestic affiliates (collectively, “MCM”) we are a market leader in portfolio purchasing and recovery in the United States. Through Cabot Credit Management Limited and its subsidiaries and European affiliates (collectively, “Cabot”) we are one of the largest credit management services providers in Europe and the United Kingdom. These are our primary operations.
Quoted from its 10-K, filed 25 Feb 2026. Read the filing on SEC.gov ↗
Company facts
- Sector
- Financials
- Industry
- Consumer Finance
- Listed since
- 9 Jul 1999
- Employees
- 7,350
- Website
- encorecapital.com ↗
- Head office
- 350 CAMINO DE LA REINA, SAN DIEGO, CA, 92108
- Incorporated in
- DE
- Classification
- Short-Term Business Credit Institutions
- Filer status
- Large accelerated filer
Leadership
Pay as last reported
- Mr. Michael MonacoNon-Executive Independent Chairman of the Board$361,998
- Mr. Ashish MasihPresident, Chief Executive Officer, Director, since 2014$5.3m
- Mr. Tomas HernanzChief Financial Officer, Executive Vice President, Treasurer
- Mr. Ryan BellPresident - Midland Credit Management, since 2020$2.3m
- Mr. John YungPresident - International and Cabot Credit Management$2.4m
- Mr. Andrew AschSenior Vice President, General Counsel, Government Affairs and Corporate Secretary$1.2m
- Mr. William GoingsIndependent Director$249,998
- Mr. Ashwini GuptaIndependent Director$264,998
- Ms. Wendy HannamIndependent Director$266,998
- Mr. Jeffrey HilzingerIndependent Director$251,998
- Ms. Angela KnightIndependent Director$264,998
- Ms. Laura OlleIndependent Director$249,998
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 57
- Environment
- 27
- Social
- 66
- Governance
- 77
- Direct emissions (scope 1)
- 1,951 t
- Energy emissions (scope 2)
- 3,553 t
- Women in the workforce
- 49%
- Carbon reduction policy
- No
- Human rights policy
- Yes
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Encore Capital Group Inc holds a prominent position in the debt buying and recovery industry, allowing them to capitalize on opportunities for debt acquisition and profit generation.
- The company manages a diversified portfolio of debt assets, reducing exposure to specific sectors and improving stability in uncertain economic conditions.
- Encore Capital Group Inc has a well-known and trusted brand, increasing customer confidence and attracting potential clients for debt resolution services.
Weaknesses
- The operations of Encore Capital Group Inc are significantly influenced by changes in regulatory policies related to debt collection and consumer protection.
- During economic downturns, individuals' ability to repay debt may be compromised, potentially impacting the company's revenue and profitability.
Opportunities
- Encore Capital Group Inc can explore expansion opportunities in overseas markets to tap into new customer bases and diversify revenue streams.
- As emerging economies witness rising consumer debt, there is an opportunity for Encore Capital Group Inc to expand its operations and offer debt resolution services in these markets.
Threats
- The debt buying and recovery industry is highly competitive, and Encore Capital Group Inc faces the threat of losing market share to existing competitors or new entrants.
- Non-compliance with debt collection regulations and potential legal challenges may negatively impact the company's reputation and financial performance.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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