Is ENCORE CAPITAL GROUP INC (ECPG) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Credit Services | ✗ NOT HALAL | |||
| DJIM | Excluded — Credit Services | ✗ NOT HALAL | |||
| MSCI | Excluded — Credit Services | ✗ NOT HALAL | |||
| S&P | Excluded — Credit Services | ✗ NOT HALAL | |||
| FTSE | Excluded — Credit Services | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 100.0% | |
| Operating Margin | 81.8% | |
| Net Margin | 14.5% | |
| Return on Equity (ROE) | 29.5% | |
| Return on Assets (ROA) | 10.4% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $153M |
| Free Cash Flow | $127M |
| Total Debt | $4.0B |
| Debt-to-Equity | 418.0 |
| Current Ratio | 16.1 |
| Total Assets | $5.3B |
Price & Trading
| Last Close | $70.70 |
| 50-Day MA | $62.12 |
| 200-Day MA | $49.14 |
| Avg Volume | 228K |
| Beta | 1.3 |
|
52-Week Range
$26.45
| |
About ENCORE CAPITAL GROUP INC (ECPG)
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 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 debt servicing, such as early stage collection, business process outsourcing, and contingent collection services. In addition, the company engages in debt servicing and other portfolio management services to credit originator for non-performing loans. Further, it offers credit management services. Encore Capital Group, Inc. was incorporated in 1999 and is headquartered in San Diego, California.
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Frequently Asked Questions
Is ENCORE CAPITAL GROUP INC (ECPG) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), ENCORE CAPITAL GROUP INC is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is ENCORE CAPITAL GROUP INC's debt ratio?
ENCORE CAPITAL GROUP INC's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are ENCORE CAPITAL GROUP INC's key financial metrics?
ENCORE CAPITAL GROUP INC has a market capitalization of $1.5B, trailing P/E ratio of 6.3, and revenue of $1.8B. The company maintains a gross margin of 100.0% and a net margin of 14.5%. Return on equity stands at 29.5%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.