The company's strong performance and positive guidance suggest continued momentum. The share repurchases indicate confidence in the business and will reduce share count, potentially boosting future EPS. Monitor the execution of the 2026 guidance, particularly the expected 10% EPS growth.
Price Chart
Executive Summary
Encore Capital Group reported strong 2025 financial results with global portfolio purchases up 4% to $1.41 billion and collections up 20% to $2.59 billion. Full-year earnings per share were $10.91, and the company repurchased approximately 9% of its shares for $89.5 million. For 2026, the company expects EPS to increase 10% to $12.00.
Key Financial Metrics
Key Facts
- Global portfolio purchases in 2025 increased 4% to $1.41 billion
- Global collections in 2025 increased 20% to $2.59 billion
- Earnings per share in 2025 were $10.91
- Company repurchased approximately 9% of shares outstanding for $89.5 million in 2025
- Guidance for 2026: EPS expected to increase 10% to $12.00
Financial Impact
Revenue increased 34% to $1.77 billion, EPS increased from -$5.83 to $10.91, and the company repurchased $89.5 million in shares
Segment Breakdown
| Segment | Revenue | Growth |
|---|---|---|
| MCM (U.S.) | $1.2B | +18.0% |
| Cabot (Europe) | $234.1M | — |
Risk Factors
- The guidance for 2026 collections (5% increase) is significantly lower than 2025 growth (20%), which could indicate slowing momentum
- The company's performance is tied to consumer credit markets, which could be impacted by economic conditions
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 5 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001084961-26-000007 |
| Document: ecpg-20260225.htm | 0001084961-26-000007 |
| Document: 0001084961-26-000007-index-headers.html | 0001084961-26-000007 |
| Document: 0001084961-26-000007-index.html | 0001084961-26-000007 |
| Document: 0001084961-26-000007.txt | 0001084961-26-000007 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 20, 2026 5d ago | Institutional Cluster | $104.16 | awaiting T+60 | — | $99.62 (−4.36%) |
Oct 8, 2026 18d ago | SC 13G | $100.06 | awaiting T+60 | — | $99.62 (−0.44%) |
May 29, 2026 21w ago | 8-K | $78.56 $102.36 | ▲ +30.30% | ▲ +29.06% | $99.62 (+26.81%) |
May 12, 2026 23w ago | Press Release | $81.61 $97.88 | ▲ +19.94% | ▲ +15.55% | $99.62 (+22.07%) |
May 6, 2026 24w ago | 8-K | $82.22 $96.28 | ▲ +17.10% | ▲ +13.27% | $99.62 (+21.16%) |
Feb 25, 2026 34w ago | 8-K | $63.94 $80.20 | ▲ +25.43% | ▲ +17.26% | $99.62 (+55.80%) |
US Market Status
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