ECPG's Quality Score fell 1 point on Fri, Oct 30, to 20. Made no higher high and higher low.
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Up 144% in a year while the S&P 500 rose 12%.
| Outperforming | Up 147% in a year vs the S&P's +11% |
| Latest filing | 10-Q, Aug 5 |
ReportReports Wednesday, after the close. Every 3 months, a company tells everyone how much it sold and earned. It rose after 3 of its last 4 reports, +5.4% on average. Past reports ›
After its last 4 reports it closed +5.4% on average, higher 3 of 4 times.
Exceptionalfor quality, not price, 7 of 14 chart checks firingWhat the Quality Score means
ECPG is #1 of 14 by Quality Score.
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Free cash flow over four quarters: ECPG $125M, PRAA -$37.8M.
Reports Wed Nov 4, after the close (in 2 days). Confirmed.
What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.
The figures are not read from the release yet.
ECPG's results filing gives no sales by line in a table we read.
| Measure | Figure |
|---|---|
| Global collections | $2.80B to $2.85B |
Sales grew 3.3% a year over 5 years, fiscal 2020 to 2025.
Its share count fell 5.8% a year over 5 years.
| Reported | Gap | Reaction | 5 sessions |
|---|---|---|---|
| Aug 5, 2026 | +9.2% | +5.6% | +5.2% |
| May 6, 2026 | +7.5% | -2.4% | -6.2% |
| Feb 25, 2026 | +2.8% | +8.1% | +24.6% |
Sales grew in five of the last seven years, to $1.8B in 2025. It turned a profit in 2025 after a loss in 2024.
2 insiders sold $1.1M across 6 filings in the last 6 months. No open-market buys on record. The newest:
Officers and directors with a Form 4 in the last 12 months.
In ETFs: ECPG is under 0.1% of VTI, the most of the 24 funds Breakaway covers, by their holdings as filed for Jun 30, 2026.
Encore Capital Group Inc is an international specialty finance company engaged in providing debt recovery solutions and other related services for consumers across a broad range of financial assets. It mainly purchases portfolios of defaulted consumer receivables at deep discounts to face value and manages them by working with individuals to repay their obligations and work toward financial recovery. The company also provides debt servicing and other portfolio management services to credit originators for non-performing loans in Europe. It has only one reportable segment, debt purchasing and recovery. Geographically, the company generates maximum revenue from its business in the United States, followed by the United Kingdom, Europe, and other regions.
“The consumer credit recovery industry is highly competitive in the United States, the United Kingdom and throughout Europe.”
ECPG scores 20 today, which Breakaway calls Exceptional. It is #1 of 14 in Lenders & Credit by Quality Score, with 7 of 14 chart checks firing. Up 144% in a year while the S&P 500 rose 12%. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.
ECPG scores 20 today, which Breakaway calls Exceptional (20 or more). That is #1 of 14 in Lenders & Credit by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind ECPG's 20.
2 insiders sold $1.1M across 6 filings in the last 6 months. No open-market buys on record. The newest is Andrew Eric Asch, SVP, General Counsel, who sold $564K on Jun 9. Every filing, with the scored weight, for Pro members.
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