TORVANTA
Other · S&P 500 · data as of 2026-10-05

ECPG stock analysis: ECPG

ECPG (ECPG) is an S&P 500 company in Other. It grades strongest on value and momentum.

The model's view of ECPG · subscribers

Where ECPG ranks among the 1,500 U.S. stocks the model scores each trading day, its expected return, the evidence for and against it, and whether the model portfolio holds it. The grades below describe the company's data; they are not the model's view.

See plans
What's happening with ECPG · updated 2026-10-05 · from prices and SEC filings

ECPG price performance

ECPG against the S&P 500, one year
+0%+50%+100%ECPG +125%S&P 500 +18%2025-09-292026-10-05
Year to date+80.2%S&P 500 +14.5% · ahead by 65.7 pts
1 year+137.0%S&P 500 +17.0% · ahead by 120.0 pts
3 years+100.6%S&P 500 +89.3% · ahead by 11.4 pts
5 years+96.3%S&P 500 +91.3% · ahead by 5.0 pts

Total returns with dividends reinvested.

ECPG factor grades

Each grade compares ECPG with the rest of its sector (A+ best, F worst); the numbers behind it are shown with the typical figure for its peers.

A-ValueP/E 7.4x (industry 20.1x)FCF yield 6.0% (industry 6.0%)
B+GrowthRevenue growth +30% (industry +8%)
B+ProfitabilityOperating margin 37.7% (industry 9.6%)ROIC 61.6% (industry 10.1%)
A-Momentum12-month change +137%From 52-wk high -6%

ECPG in plain numbers

ECPG key statistics

SectorOther
Industryn/a
IndexS&P 500
Market value$2.1B
Revenue growth (y/y)+30%
Free-cash-flow yield6.0%
Dividend yieldn/a
Next earnings (expected)2026-11-04
Valuation measures
Market value$2.1B
Enterprise value$1.9B
P/E (trailing)7.4x
Forward P/E (Torvanta estimate)6.4x
PEG (Torvanta estimate)0.39
Price / sales1.1x
Price / book1.9x
EV / revenue1.0x
EV / EBITDA2.5x
Financial highlights
Revenue, last 12 months$1.9B
Net income, last 12 months$301.6M
EPS, last 12 months (GAAP)$13.18
Operating margin37.7%
Net margin15.9%
Return on equity30.5%
Return on invested capital61.6%
Cash$182.9M
Total debt$0
Free cash flow, last 12 months$125.1M
Interest cover2.4x

Company figures from its latest SEC filings; market value and returns from end-of-day prices.

ECPG earnings trends

Revenue vs earnings
-$225.3M-$46.0M$133.3M$312.6M$491.9MSep 2024 Revenue: $367.1MDec 2024 Revenue: $265.6MMar 2025 Revenue: $392.8MJun 2025 Revenue: $442.1MSep 2025 Revenue: $460.4MDec 2025 Revenue: $473.6MMar 2026 Revenue: $475.4MJun 2026 Revenue: $491.9MSep 2024 Net income: $30.6MDec 2024 Net income: -$225.3MMar 2025 Net income: $46.8MJun 2025 Net income: $58.7MSep 2025 Net income: $74.7MDec 2025 Net income: $76.7MMar 2026 Net income: $86.2MJun 2026 Net income: $64.0MSep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Net margin: 8.3%Net margin: -84.8%Net margin: 11.9%Net margin: 13.3%Net margin: 16.2%Net margin: 16.2%Net margin: 18.1%Net margin: 13.0%-85%-33%18%■ Revenue ■ Net income ━ Net margin
Earnings per share$-9.4$-6.1$-2.8$0.6$3.9Sep 2024 EPS (GAAP, diluted): $1.3Dec 2024 EPS (GAAP, diluted): $-9.4Mar 2025 EPS (GAAP, diluted): $1.9Jun 2025 EPS (GAAP, diluted): $2.5Sep 2025 EPS (GAAP, diluted): $3.2Dec 2025 EPS (GAAP, diluted): $3.3Mar 2026 EPS (GAAP, diluted): $3.9Jun 2026 EPS (GAAP, diluted): $2.8Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026■ EPS (GAAP, diluted) Change from a year earlier: Sep 2025 +152% · Mar 2026 +100% · Jun 2026 +13%

From the company's 10-Q and 10-K filings with the SEC.

ECPG financials (from SEC filings)

Fiscal yearFY2021FY2022FY2023FY2024FY2025
Revenue$1.6B$1.4B$1.2B$1.3B$1.8B
Net income$350.8M$194.6M-$206.5M-$139.2M$256.8M
EPS (GAAP)$11.25$7.31$-8.72$-5.82$10.93
Free cash flow$269.7M$173.5M$128.2M$127.2M$126.9M

ECPG earnings history

ReportedEPS (GAAP)EPS y/yRevenue y/yStock vs S&P 500, 2 days
2026-08-05$2.81+13%+11%+2.8%
2026-05-06$3.86+100%+21%-3.7%
2026-02-25$3.34n/a+78%+9.9%
2025-11-05$3.17+152%+25%+15.6%
2025-08-06$2.49+86%+24%+7.0%
2025-05-07$1.93+103%+20%+22.4%

About ECPG

HeadquartersSan Diego, CA
Industry (SEC code)Short-Term Business Credit Institutions
Fiscal year endsDecember 31
Incorporated inDE
Listed onNasdaq
FormerlyMCM CAPITAL GROUP INC

From the company's SEC registration record.

Companies similar to ECPG

CompanyMarket valueP/ERevenue growthOperating margin12-month change
ECPG ECPG$2.1B7.4x+30%37.7%+137%
DV DV$2.1B38.4x+8%12.7%+19%compare
CC CC$2.1Bn/a-1%n/a-12%compare
MTX MTX$2.1Bn/a+4%-1.3%+6%compare
FCF FCF$2.1B12.5xn/an/a+25%
MCRI MCRI$2.1B20.0x+6%n/a+15%
ALGT ALGT$2.1B51.5x+12%4.9%+20%

All Other stock ratings

Frequently asked questions

Is ECPG stock a buy?

Torvanta does not tell individuals what to buy. Its grades for ECPG are shown above. Subscribers see the model's rank, expected return and whether the model portfolio holds it. This is research, not a recommendation.

What is ECPG's P/E ratio?

ECPG trades at about 7.4 times its last 12 months of GAAP earnings reported to the SEC, and about 6.4 times Torvanta's own estimate of the next 12 months.

When does ECPG report earnings next?

Based on its filing history, Torvanta expects ECPG to report around 2026-11-04.

How has ECPG performed against the S&P 500?

Over the past year ECPG returned +137.0%, against +17.0% for the S&P 500, dividends reinvested.

See the model's view

Subscribers get the model's rank and expected return for every covered company, the reasoning behind each, and the Torvanta model portfolio's trades each trading day, sized and explained, at three risk levels.

See plans Or get the free weekly newsletter

Torvanta is research only - not investment advice and not a recommendation to buy or sell any security. Grades describe a company's reported data against its sector; they are not the model's view, change as data changes and can be wrong. Financial figures come from the company's SEC filings; returns include reinvested dividends. Past performance does not predict future results.

All stock ratings · Stock lists · AI stock research · Model portfolio · Research · Disclaimer