What is Encore Capital Group, Inc.'s Shariah compliance score?

Encore Capital Group, Inc.'s (ECPG) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does Encore Capital Group, Inc. pass AAOIFI screening?

Encore Capital Group, Inc. (ECPG) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (ECPG: 194.8%), (3) interest-bearing deposits below 30%, and (4) prohibited income below 5%. HalalScreener provides free AAOIFI screening for 6,200+ stocks at halalscreener.app.

How much purification is needed for Encore Capital Group, Inc. stock?

Muslim investors purify the portion of dividends and realized gains that comes from non-permissible income by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification computes the exact percentage and amount for Encore Capital Group, Inc. (ECPG) using the latest financial data.

Where can I screen Encore Capital Group, Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Encore Capital Group, Inc. (ECPG) and 5,100+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows the verdict, compliance grade, score, and debt ratio free. No credit card or signup required for basic screening; the full ratio breakdown is part of Pro. HalalScreener also includes an AI Islamic Scholar for follow-up questions about ECPG's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

ECPG: Is Encore Capital Group, Inc. Halal?

Encore Capital Group, Inc.

NASDAQFinancial ServicesUS

$101.26

-0.93%

Market Cap: 2.2B

Compliance Status

Not Halal

Screened on Sep 3, 2026 · AAOIFI Standard 21

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).

Quote this verdict

HalalScreener rates Encore Capital Group, Inc. (ECPG) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Sep 3, 2026. Source: https://halalscreener.app/en/stock/ECPG

AvoidBorderlineClean

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%.

194.8% 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. operates as a specialized financial institution, offering global solutions for debt resolution and associated support services to individual consumers holding diverse financial assets. The company acquires portfolios of consumer debts that are in default, often at substantial discounts from their original value. It then oversees these accounts by engaging with individuals to assist them in fulfilling their repayment responsibilities and working towards their financial recovery. Additionally, Encore Capital Group provides a range of services including initial collection efforts, business process outsourcing, performance-based collection, loan servicing, and various other portfolio administration services to lenders grappling with non-performing loans. The enterprise was established in 1999 and its main offices are situated in San Diego, California.

Sector: Financial Services · Industry: Financial - Credit Services

Shariah Compliance Status

AAOIFI Standard 21Updated Sep 3, 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: Q2 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:

GLDA+

SPDR Gold Shares

$396.75

+0.17%

SLVA+

iShares Silver Trust

$57.92

+0.47%

PSLVA+

Sprott Physical Silver Trust

$21.30

+6.23%

PHYSA+

Sprott Physical Gold Trust

$31.75

+0.19%

CEFA+

Sprott Physical Gold and Silver Trust

$43.28

+4.44%

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BAC

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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 194.8% (limit 30%). 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: Sep 3, 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.