ECPG Encore Capital (ECPG) Insider Trading, Ownership & Congress Trades
Financial Services · Short-term business credit institutions · CIK 0001084961
Form 144 · 1
Insider buyers, 180 days
0
House members buying, 1 year
0
STOCK Act, US House only, disclosed up to 45 days after the trade
Funds added, last quarter
162
13F, latest reported quarter
What the filings say about ECPG
Insiders, 180 days
-$1.1M net sold
2 sellers · 0% of sales under a 10b5-1 plan
Planned sales (Form 144), 90 days
$786.1K
1 notice
Encore Capital insider trades (Form 4)
Form 4 buys and sells (codes P and S). Grants, option exercises
and conversions excluded.
Over the last 180 days, ENCORE CAPITAL GROUP INC insiders sold a net $1.1M of stock across 40 Form 4 purchases and sales, with no insider buying. Source: SEC Form 4 filings, as of 2026-10-28.
Insider
Filed
Shares
Value
Since filing
Context
- 3 earlier Form 4 trades (code P or S) here by this insider (3 sales), the last on Jun 10, 2026.
- The trade is 3.2% of the 62,570 shares held after it.
- 1 other insider sold within 30 days.
- 162 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: President, Intl. and Cabot Yung John sold about $161.0K of ECPG on Jun 11, 2026; 1 other insider sold within 30 days and 162 funds added in the latest 13F quarter.Context
- 2 earlier Form 4 trades (code P or S) here by this insider (2 sales), the last on Nov 26, 2025.
- The trade is 3.1% of the 64,570 shares held after it.
- 1 other insider sold within 30 days.
- 162 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: President, Intl. and Cabot Yung John sold about $164.2K of ECPG on Jun 10, 2026; 1 other insider sold within 30 days and 162 funds added in the latest 13F quarter.Context
- 4 earlier Form 4 trades (code P or S) here by this insider (4 sales), the last on Jun 9, 2026.
- The trade is 3.6% of the 21,607 shares held after it.
- 1 other insider sold within 30 days.
- 162 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: SVP, General Counsel Asch Andrew Eric sold about $63.5K of ECPG on Jun 10, 2026; 1 other insider sold within 30 days and 162 funds added in the latest 13F quarter.Context
- 1 earlier Form 4 trade (code P or S) here by this insider (1 sale), the last on Jul 17, 2024.
- The trade is 2.8% of the 29,859 shares held after it.
- 1 other insider sold within 30 days.
- 162 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: SVP, General Counsel Asch Andrew Eric sold about $67.1K of ECPG on Jun 9, 2026; 1 other insider sold within 30 days and 162 funds added in the latest 13F quarter.Context
- 1 earlier Form 4 trade (code P or S) here by this insider (1 sale), the last on Jul 17, 2024.
- The trade is 30.2% of the 22,937 shares held after it.
- 1 other insider sold within 30 days.
- 162 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: SVP, General Counsel Asch Andrew Eric sold about $564.3K of ECPG on Jun 9, 2026, the largest insider sale at the company since 2023; 1 other insider sold within 30 days and 162 funds added in the latest 13F quarter.40 transactions on record
Since filing: total return from the first close after the filing to the latest close, dividend-adjusted. Not a forecast.
Context lines are counts over the filings above and returns from our own price history, never a price level. Not investment advice.
Seven facts, ranked against the sector ·
Rank is not a forecast
Insiders
net -$1.1M over 180 days
more than 52% of Financial Services
Congress
no House purchase disclosed in the last 12 months
Funds
162 funds bought in last quarter
more than 72% of Financial Services
Revenue
+4.3% year over year
below 63% of Financial Services
Margin
290.6% net margin
more than 97% of Financial Services
Buybacks
$90.4M repurchased, FY to 2025-12-31
more than 60% of Financial Services
Short interest
5.1% of the float short (float per yahoo 2026-10-26) · 3.1 days to cover · settled 2026-09-30
more than 71% of Financial Services
What changed in the last 30 days
Oct 28Insider selling stopped: no sales in 90 days after 6 in the prior 90
Why it matters
The absence is the signal: 6 sales in one 90-day window and none in the next is a change of behaviour, not a filing.
Watch ECPG
A free account keeps a watchlist and can send one email a day when insiders, funds or Congress file on the names in it. No password and no card.
The year, with the filings on it
Total return over 12 months. Each marker is a filing; hover or tap one for the detail.
+124.9%12M
Insider sellForm 144 (planned sale)
Indexed to 100, dividend-adjusted, not a price chart.
When a name files heavily, the largest trades are drawn first.
Who owns ECPG: institutional holders (13F)
13F holdings, latest reported quarter
3,679,162 sh
$343.2M
1,311,523 sh
$122.4M
1,047,576 sh
$97.7M
911,277 sh
$85.0M
856,207 sh
$79.9M
Congress trades in ECPG
No Congress trades reported
No House member has disclosed a trade in this stock. See what Congress is buying.
Activist and 5% holders (13D/13G)
No 5%+ ownership filings
Nobody has filed for crossing 5%. That is a fact, not missing data.
ECPG planned insider sales (Form 144)
Notice of intent to sell, filed before any sale
WENDY HANNAM
Filed 2026-08-20
$786.1K
WENDY HANNAM
Filed 2026-07-07
$743.1K
WENDY HANNAM
Filed 2026-06-25
$1.9M
ECPG mutual fund holders (N-PORT)
Funds ranked by the share of their own portfolio in this stock (N-PORT).
Third Avenue Small-Cap Value Fund
$12.2M position · as of 2026-07-31
5.6%
Heartland Value Fund
$28.0M position · as of 2026-06-30
2.4%
Hennessy Cornerstone Growth Fund
$10.5M position · as of 2026-07-31
2.2%
Virtus Small-Cap Fund
$2.4M position · as of 2026-06-30
1.8%
ClearBridge Small Cap Fund
$9.5M position · as of 2026-07-31
1.3%
American Beacon Stephens Small Cap Growth Fund
$6.8M position · as of 2026-06-30
1.2%
SEC N-PORT, monthly, about 60 days late · funds ≥ $10M ·
% is the share of the fund's own portfolio
Executive pay vs shareholder return · Mr. Masih
CEO pay, headline and as actually paid, against the company's
return and its chosen peers' (DEF 14A).
FY
CEO total
Actually paid
Other execs, avg
TSR
Peer TSR
2025
$8.1M
$13.3M
$2.1M
+40%
-24%
2024
$5.3M
$3.6M
$2.2M
+23%
-41%
2023
$5.0M
$5.5M
$2.0M
+30%
-36%
2022
$5.1M
$2.9M
$1.6M
+23%
-36%
2021
$4.6M
$8.7M
$2.0M
+59%
-11%
Tagged by the company under SEC Item 402(v). Returns are
cumulative from the start of the disclosure period. Green where the company beat its own peer group.
Live price
Daily candles from TradingView, under their licence. No filings marked.
Why this name is on the desk
Insiders have filed to sell, before selling.
The record shows a net $1.1M sold by insiders over 180 days, 162 funds added last quarter, $786.1K in planned Form 144 sales. Each figure is a federal filing, dated the day it went public.
ECPG financials
Revenue growth
+4.3%
XBRL, annual
Net margin
290.6%
Complaints, 90 days
5,519
+25.2% YoY · CFPB
Ratios from the company's XBRL filings, latest filings
Revenue, TTM
$1.9B
four quarters, 2025-07-01 to 2026-06-30
Revenue, TTM ECPG
| FY Dec 2025 | $1.8B |
| FY Dec 2024 | $1.3B |
| FY Dec 2023 | $1.2B |
| FY Dec 2022 | $1.4B |
| FY Dec 2021 | $1.6B |
| Jun 2026 | $491.9M |
| Mar 2026 | $475.4M |
| Dec 2025 | $473.6M |
| Sep 2025 | $460.4M |
| Jun 2025 | $442.1M |
| Mar 2025 | $392.8M |
| Dec 2024 | $265.6M |
| Sep 2024 | $367.1M |
At each fiscal year end
Single quarter
Net margin, TTM
+15.9%
net income over revenue, 2025-07-01 to 2026-06-30
Net margin, TTM ECPG
| FY Dec 2025 | +14.5% |
| FY Dec 2024 | -10.6% |
| FY Dec 2023 | -16.8% |
| FY Dec 2022 | +13.9% |
| FY Dec 2021 | +21.7% |
| Jun 2026 | +13.0% |
| Mar 2026 | +18.1% |
| Dec 2025 | +16.2% |
| Sep 2025 | +16.2% |
| Jun 2025 | +13.3% |
| Mar 2025 | +11.9% |
| Dec 2024 | -84.7% |
| Sep 2024 | +8.3% |
At each fiscal year end
Single quarter
Free cash flow, TTM
$125.1M
operating cash flow minus capex, 2025-07-01 to 2026-06-30
Free cash flow, TTM ECPG
| FY Dec 2025 | $126.9M |
| FY Dec 2024 | $127.2M |
| FY Dec 2023 | $128.2M |
| FY Dec 2022 | $173.5M |
| FY Dec 2021 | $269.7M |
| Jun 2026 | -$37.8M |
| Mar 2026 | $77.5M |
| Dec 2025 | $9.9M |
| Sep 2025 | $75.6M |
| Jun 2025 | $3.2M |
| Mar 2025 | $38.3M |
| Dec 2024 | $15.0M |
| Sep 2024 | $39.7M |
At each fiscal year end
Single quarter
Debt to equity
3.74x
long-term debt only, 2025-12-31 (6 months older than the period end); equity 2026-06-30
Debt to equity ECPG
| FY Dec 2025 | 4.13x |
| FY Dec 2024 | 4.83x |
| FY Dec 2023 | 3.59x |
| FY Dec 2022 | 2.49x |
| FY Dec 2021 | 2.58x |
| Jun 2026 | 3.74x |
| Mar 2026 | 3.90x |
| Dec 2025 | 4.13x |
| Sep 2025 | 3.89x |
| Jun 2025 | 4.14x |
| Mar 2025 | 4.53x |
| Dec 2024 | 4.83x |
| Sep 2024 | 3.20x |
At each fiscal year end
Trailing four quarters at each quarter end
Cash flow to debt
0.04x
TTM operating cash flow over long-term debt only, 2025-12-31 (6 months older than the period end)
Cash flow to debt ECPG
| FY Dec 2025 | 0.04x |
| FY Dec 2024 | 0.04x |
| FY Dec 2023 | 0.05x |
| FY Dec 2022 | 0.07x |
| FY Dec 2021 | 0.10x |
| Jun 2026 | 0.04x |
| Mar 2026 | 0.05x |
| Dec 2025 | 0.04x |
| Sep 2025 | 0.04x |
| Jun 2025 | 0.03x |
| Mar 2025 | 0.04x |
| Dec 2024 | 0.04x |
| Sep 2024 | 0.05x |
At each fiscal year end
Trailing four quarters at each quarter end
Return on equity
+30.6%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on equity ECPG
| FY Dec 2025 | +29.5% |
| FY Dec 2024 | -16.3% |
| FY Dec 2023 | -19.5% |
| FY Dec 2022 | +16.5% |
| FY Dec 2021 | +29.2% |
| Jun 2026 | +30.6% |
| Mar 2026 | +32.0% |
| Dec 2025 | +29.5% |
| Sep 2025 | -4.5% |
| Jun 2025 | -9.4% |
| Mar 2025 | -13.0% |
| Dec 2024 | -16.3% |
| Sep 2024 | -16.4% |
At each fiscal year end
Trailing four quarters at each quarter end
Return on assets
+5.6%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on assets ECPG
| FY Dec 2025 | +5.1% |
| FY Dec 2024 | -3.0% |
| FY Dec 2023 | -4.5% |
| FY Dec 2022 | +4.3% |
| FY Dec 2021 | +7.4% |
| Jun 2026 | +5.6% |
| Mar 2026 | +5.7% |
| Dec 2025 | +5.1% |
| Sep 2025 | -0.9% |
| Jun 2025 | -1.8% |
| Mar 2025 | -2.4% |
| Dec 2024 | -3.0% |
| Sep 2024 | -3.8% |
At each fiscal year end
Trailing four quarters at each quarter end
Return on invested capital
+11.4%
operating income after a 23.1% effective tax rate, over long-term debt only, 2025-12-31 (6 months older than the period end) plus average of 2025-06-30 and 2026-06-30 minus cash
Return on invested capital ECPG
| FY Dec 2025 | +10.1% |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | +7.3% |
| FY Dec 2021 | +12.5% |
| Jun 2026 | +11.4% |
| Mar 2026 | +11.0% |
| Dec 2025 | +10.1% |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
Return on capital employed
n/a
assets or current liabilities not filed
Return on capital employed ECPG
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
P/E, trailing
7.56x
close 2026-10-26 over four quarters of diluted EPS, 2025-07-01 to 2026-06-30
P/E, trailing ECPG
| FY Dec 2025 | 4.97x |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | 6.56x |
| FY Dec 2021 | 5.52x |
| Jun 2026 | 7.08x |
| Mar 2026 | 5.45x |
| Dec 2025 | 4.97x |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
Enterprise value
$6.0B
market value at close 2026-10-26 on 2026-07-29 shares, plus long-term debt only, 2025-12-31 (6 months older than the period end), minus cash 2026-06-30
Enterprise value ECPG
| FY Dec 2025 | $5.1B |
| FY Dec 2024 | $4.6B |
| FY Dec 2023 | $4.4B |
| FY Dec 2022 | $3.9B |
| FY Dec 2021 | $4.7B |
| Jun 2026 | $5.9B |
| Mar 2026 | $5.3B |
| Dec 2025 | $5.1B |
| Sep 2025 | $4.5B |
| Jun 2025 | $4.4B |
| Mar 2025 | $4.3B |
| Dec 2024 | $4.6B |
| Sep 2024 | $4.2B |
At each fiscal year end
Trailing four quarters at each quarter end
FCF yield
+5.9%
TTM free cash flow over market value at close 2026-10-26
FCF yield ECPG
| FY Dec 2025 | +10.5% |
| FY Dec 2024 | +11.2% |
| FY Dec 2023 | +10.7% |
| FY Dec 2022 | +15.5% |
| FY Dec 2021 | +14.8% |
| Jun 2026 | +6.3% |
| Mar 2026 | +11.1% |
| Dec 2025 | +10.5% |
| Sep 2025 | +13.7% |
| Jun 2025 | +10.6% |
| Mar 2025 | +14.9% |
| Dec 2024 | +11.2% |
| Sep 2024 | +12.6% |
At each fiscal year end
Trailing four quarters at each quarter end
PEG, trailing
n/a
prior-year trailing EPS was a loss, growth undefined
PEG, trailing ECPG
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | 0.08x |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
Price as of 2026-10-26. Hover or tap a tile for its yearly and quarterly history.
Method
TTM is four consecutive fiscal quarters; Q4 is the year minus nine months when not filed. Returns use the average of opening and closing balances. EBIT is approximated by operating income. PEG uses trailing EPS growth.
Fundamentals
Annual figures from XBRL filings. Pick a past date to see them as known then.
| 2025-12 | 2024-12 | 2023-12 | 2022-12 | |
|---|---|---|---|---|
| Revenue | $1.8B | $1.3B | $1.2B | $1.4B |
| Operating income | $626.6M | $157.3M | $16.5M | $462.2M |
| Net income | $257.0M | -$139.0M | -$206.0M | $195.0M |
| EPS (diluted) | 10.91 | -5.83 | -8.72 | 7.46 |
| Operating cash flow | $153.2M | $156.2M | $153.0M | $210.7M |
| Cash | $156.8M | $199.9M | $158.4M | $143.9M |
| Long-term debt | $4.0B | $3.7B | $3.4B | $2.9B |
| Buybacks | $90.4M | $0 | $0 | $87.0M |
SEC XBRL, fiscal years, as known on 2026-10-28
ECPG Stock Sonar score 6/7 axes
Find similar shapesCompareECPG ranks highest on risk and compliance (69th percentile) and profitability (68th), and lowest on insider conviction (25th), among Financial Services peers.
6 of 7 axes scored. Each is a percentile against sector peers (all companies when the sector is thin); higher is better. An unscored axis is unmeasured, not low. How it is scored
ECPG filings, in plain words
Are Encore Capital insiders buying or selling ECPG?
In the 180 days to 2026-10-28, Encore Capital insiders were net sellers, a net $1.1M across purchases and sales reported on Form 4, by 2 sellers.
Are there planned insider sales of ECPG?
Yes. 1 Form 144 notice of planned insider sales was filed in the 90 days to 2026-10-28, covering $786.1K of stock; the latest, by WENDY HANNAM, was filed 2026-08-20.
Read the full summary
In the 180 days to 2026-10-28, Encore Capital insiders were net sellers of ECPG, a net $1.1M across purchases and sales reported on Form 4 by 2 sellers. None of the 6 insider sales was flagged as made under a Rule 10b5-1 plan. Insiders filed 1 Form 144 notice of intent to sell in the 90 days to 2026-10-28, covering $786.1K of stock. Each figure is counted from SEC and House filings as of 2026-10-28, dated the day the filing was made public.
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