ECPG - NASDAQ
Encore Capital Group, Inc.
$78.01
-0.70%Encore Capital Group, Inc., a specialty finance company, provides debt recovery solutions and other related services for consumers across financial assets worldwide. The company purchases portfolios of defaulted consumer receivables at deep discounts to face value, as well as manages them by working with individuals as they repay their obligations and works toward financial recovery. It is also involved in the provision of early stage collection, business process outsourcing, and contingent collection services, as well as debt servicing and other portfolio management services to credit originator for non-performing loans. The company was incorporated in 1999 and is headquartered in San Diego, California.
At a Glance
Live SnapshotEncore Capital Group, Inc. Management Team
Mr. Tomas Hernanz
Executive Vice President, Treasurer & Chief Financial Officer
Mr. John Yung
President of International & Cabot Credit Management and Chief Executive Officer of Cabot Credit Management
Compensation
$1,522,353
Mr. Ryan B. Bell
President of Midland Credit Management, Inc.
Compensation
$1,251,427
Mr. Ashish Masih
President, Chief Executive Officer & Director
Compensation
$1,985,469
Ms. Tracy Ting
Senior Vice President & Chief Human Resources Officer
Ms. Monique Dumais-Chrisope
Senior Vice President & Chief Information Officer
Mr. Steve Carmichael
Senior Vice President and Chief Risk, Strategy & Compliance Officer
Mr. Andrew E. Asch J.D.
Senior Vice President, General Counsel & Government Affairs
Compensation
$741,519
Faryar Borhani
Vice President & Chief Communications Officer
Mr. Bruce Thomas
Vice President of Global Investor Relations
Encore Capital Group, Inc. Insider Positioning
During the last 12 months, insiders have purchased $1.11M and sold $867K worth of ECPG shares, resulting in $245K of net buying activity.
3 Months
0
0.00
0
0.00
+0
+$0
3-6 Months
0
0.00
4.0K
240.22K
-240K
-$240K
6-9 Months
0
0.00
12.4K
627.12K
-627K
-$627K
9-12 Months
29.1K
1.11M
0
0.00
+1.1M
+$1.11M
Top Buyers
Gupta Ashwini
Director
$182K
Hannam Wendy
Director
$155K
Goings William C.
Director
$155K
Angela A. Knight
Director
$155K
Monaco Michael P
Director
$155K
Top Sellers
Bell Ryan B
Officer: President, Mcm
$490K
Yung John
Officer: President, Intl. And Cabot
$302K
Olle Laura
Director
$75K
Insider Activity Analysis
Net Insider Sentiment
Moderately bullish with $245K net buying. Insiders show cautious optimism through measured share purchases.
Buy/Sell Ratio
Positive buy/sell ratio. Buying exceeds or matches selling, indicating net positive insider sentiment.
Insider Participation
5 insider buyers vs. 3 sellers. More insiders buying than selling indicates positive sentiment.
Insider Activity Insight
Broad-based insider buying: When multiple insiders independently decide to purchase shares, it often reflects genuine confidence rather than coordinated optics. This pattern deserves attention, especially if buying followed a price decline.
SEC Filings
ECPG - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
DEF 14A DEF 14A 2026 N/A | April 29, 2026 | June 12, 2026 | 2026 | |
DEF 14A DEF 14A 2025 N/A | April 25, 2025 | June 06, 2025 | 2025 | |
DEF 14A DEF 14A 2024 N/A | April 26, 2024 | June 07, 2024 | 2024 | |
DEF 14A DEF 14A N/A | April 28, 2023 | April 28, 2023 | ||
DEF 14A DEF 14A 2022 N/A | April 29, 2022 | June 10, 2022 | 2022 | |
DEF 14A DEF 14A 2021 N/A | April 29, 2021 | June 11, 2021 | 2021 | |
DEF 14A DEF 14A 2020 N/A | April 28, 2020 | June 17, 2020 | 2020 | |
DEF 14A DEF 14A 2019 N/A | April 29, 2019 | June 20, 2019 | 2019 | |
DEF 14A DEF 14A 2018 N/A | April 30, 2018 | June 21, 2018 | 2018 | |
DEF 14A DEF 14A 2017 N/A | April 27, 2017 | June 15, 2017 | 2017 |
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.