Encore Capital Group, Inc.

ECPG: Is Encore Capital Group, Inc. Halal?

Encore Capital Group, Inc.

NASDAQFinancial ServicesUS

$78.09

-0.60%

Market Cap: 1.7B

Compliance Status

Not Halal

Screened on Jul 20, 2026 · AAOIFI Standard 21

F

Non-Compliant

0Score

Is Encore Capital Group, Inc. (ECPG) halal? Not Halal. Based on AAOIFI screening, Encore Capital Group, Inc. passes the business activity screen but fails financial ratio screens with a compliance score of 0/100 (Grade: F).

Business activity

What the company sells is permissible.

Passed

Company debt

Over the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

206.0% of 30.0% limit

What this means for you

Most scholars advise not holding ECPG

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About Encore Capital Group, Inc.

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.

Sector: Financial Services · Industry: Financial - Mortgages

Shariah Compliance Status

AAOIFI Standard 21Updated Jul 20, 2026

Compliance History

Not Halal, unchanged since May 2026.

No status changes recorded since we began tracking.

Tracked since May 2026. Updates automatically on each re-screen.

Fiscal: Q1 2026Data source: EDGAR

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

SPDR Gold Shares
GLDA+

SPDR Gold Shares

$368.41

+0.17%

iShares Silver Trust
SLVA+

iShares Silver Trust

$50.78

+0.47%

Sprott Physical Silver Trust
PSLVA+

Sprott Physical Silver Trust

$21.30

+6.23%

Sprott Physical Gold Trust
PHYSA+

Sprott Physical Gold Trust

$31.75

+0.19%

AllianceBernstein Holding L.P.
ABA+

AllianceBernstein Holding L.P.

$36.03

-1.13%

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Frequently Asked Questions

Is Encore Capital Group, Inc. (ECPG) halal to invest in?
Encore Capital Group, Inc. (ECPG) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.
Why did Encore Capital Group, Inc. get a F compliance rating?
Encore Capital Group, Inc. (ECPG) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 206.0% (limit 30%); interest-bearing deposits of 8.0% (limit 30%); prohibited income of 0.00% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.
What could change Encore Capital Group, Inc.'s Shariah verdict?
Encore Capital Group, Inc.'s verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.
How often is Encore Capital Group, Inc. re-screened for Shariah compliance?
Encore Capital Group, Inc. (ECPG) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jul 20, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.