The strong beat and raised guidance confirm accelerating operational performance. Traders should watch for continued collection growth and capital allocation updates.
Price Chart
Executive Summary
Encore Capital Group reported Q1 2026 EPS of $3.86, beating the $3.26 consensus by 18.4%, on revenue of $475.4M, up 21% YoY. The company raised its full-year 2026 EPS guidance to $13.00 (from $12.00) and collections guidance to ~$2.8B, signaling continued operational momentum in U.S. debt purchasing and collections.
Key Financial Metrics
Key Facts
- Q1 2026 diluted EPS $3.86 vs $1.93 YoY (+100%)
- Q1 2026 revenue $475.4M vs $392.8M YoY (+21%)
- Full-year 2026 EPS guidance raised to $13.00 (prior $12.00)
- Global collections guidance raised to ~$2.8B (+8% YoY)
- Record quarterly collections of $718M, up 19% YoY
- U.S. portfolio purchases of $316M, one of the strongest quarters
- Company repurchased $20M of stock in Q1
Financial Impact
EPS beat consensus by $0.60 (18.4%); revenue beat not calculable due to lack of consensus; forward EPS guidance raised by $1.00
Risk Factors
- Regulatory changes in debt collection practices
- Economic downturn affecting consumer repayment ability
- Increased competition in portfolio purchasing
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001084961-26-000038 |
| Document: ecpg-20260506.htm | 0001084961-26-000038 |
| Document: 0001084961-26-000038-index-headers.html | 0001084961-26-000038 |
| Document: 0001084961-26-000038-index.html | 0001084961-26-000038 |
| Document: 0001084961-26-000038.txt | 0001084961-26-000038 |
| 8-K Data (Synthetic) | 0001084961-26-000038 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 20, 2026 6d ago | Institutional Cluster | $104.16 | awaiting T+60 | — | $99.64 (−4.34%) |
Oct 8, 2026 18d ago | SC 13G | $100.06 | awaiting T+60 | — | $99.64 (−0.42%) |
May 29, 2026 21w ago | 8-K | $78.56 $102.36 | ▲ +30.30% | ▲ +29.06% | $99.64 (+26.83%) |
May 12, 2026 23w ago | Press Release | $81.61 $97.88 | ▲ +19.94% | ▲ +15.55% | $99.64 (+22.09%) |
May 6, 2026 24w ago | 8-K | $82.22 $96.28 | ▲ +17.10% | ▲ +13.27% | $99.64 (+21.19%) |
Feb 25, 2026 34w ago | 8-K | $63.94 $80.20 | ▲ +25.43% | ▲ +17.26% | $99.64 (+55.83%) |
US Market Status
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