Encore Capital Group (ECPG) Stock Overview
A specialty finance company, provides debt recovery solutions and other related services for consumers across financial assets worldwide. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 0/6 |
| Past Performance | 2/6 |
| Financial Health | 2/6 |
| Dividends | 0/6 |
Rewards
Risk Analysis
ECPG Community Fair Values
Create NarrativeSee what 11 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Top Community Narratives
US$120.38
FV
25.1% undervalued intrinsic discount163
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Encore Capital Group, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$90.17 |
| 52 Week High | US$94.60 |
| 52 Week Low | US$35.68 |
| Beta | 1.27 |
| 1 Month Change | 10.69% |
| 3 Month Change | 20.58% |
| 1 Year Change | 122.20% |
| 3 Year Change | 82.05% |
| 5 Year Change | 90.59% |
| Change since IPO | 865.03% |
Recent News & Updates
Analysis Article • Jun 20
Encore Capital Group (ECPG) Stock Could Be 31% Undervalued Despite Strong Share Price Momentum
Encore Capital Group (ECPG) has been drawing investor attention after recent share price moves. This has prompted a closer look at how its debt recovery business, earnings profile, and recent returns line up for portfolio decisions. See our latest analysis for Encore Capital Group. At a share price of $83.05, Encore Capital Group has seen short term share price momentum continue. The 90 day share price return is 22.1% and the 1 year total shareholder return is 115.16%, which points to...
Narrative Update • Jun 17
ECPG: Refinancing And 2026 EPS Guidance Will Support Future Stock Upside
Analysts have lifted their fair value estimate for Encore Capital Group from $104.33 to $113.33, reflecting updated assumptions that recent debt refinancings could support higher profitability over time. Analyst Commentary Recent Street research on Encore Capital Group centers on how debt refinancings could influence profitability and justify higher valuation targets.Recent updates
Analysis Article • Jun 20
Encore Capital Group (ECPG) Stock Could Be 31% Undervalued Despite Strong Share Price Momentum
Encore Capital Group (ECPG) has been drawing investor attention after recent share price moves. This has prompted a closer look at how its debt recovery business, earnings profile, and recent returns line up for portfolio decisions. See our latest analysis for Encore Capital Group. At a share price of $83.05, Encore Capital Group has seen short term share price momentum continue. The 90 day share price return is 22.1% and the 1 year total shareholder return is 115.16%, which points to...Narrative Update • Jun 17
ECPG: Refinancing And 2026 EPS Guidance Will Support Future Stock Upside
Analysts have lifted their fair value estimate for Encore Capital Group from $104.33 to $113.33, reflecting updated assumptions that recent debt refinancings could support higher profitability over time. Analyst Commentary Recent Street research on Encore Capital Group centers on how debt refinancings could influence profitability and justify higher valuation targets.Narrative Update • Jun 02
ECPG: 2026 EPS Guidance And Liquidity Moves Will Drive Further Upside
Analysts have lifted their price targets on Encore Capital Group by about $8 per share, citing updated views on fair value, discount rates, revenue growth assumptions, profit margins, and future P/E multiples. Analyst Commentary Bullish Takeaways Bullish analysts lifting price targets by double digit dollar amounts point to a higher assessed fair value for Encore Capital Group, which they link to updated views on the stock’s risk and return profile.
Narrative Update • May 24
The Undervalued Cash Machine Hiding in Plain Sight
As I have previously written, ECPG is solid and undervalued. Despite recent analyst attention and a meaningful increase in its share price, I believe it remains undervalued.Narrative Update • Apr 23
ECPG: Recovery Assumptions And 2026 EPS Guidance Will Drive Further Upside
Encore Capital Group's analyst fair value estimate has increased by about $14 per share to $96.67 as analysts incorporate recent price target revisions across the Street and updated assumptions on future earnings and recoveries. Analyst Commentary Street research on Encore Capital Group has recently leaned constructive, with several bullish analysts lifting price targets and building in higher earnings expectations tied to recent results and updated recovery assumptions.Narrative Update • Apr 05
ECPG: Recovery Assumptions And 2026 EPS Guidance Will Support Future Upside
Analysts have raised their price targets on Encore Capital Group to a higher range of $78 to $90, citing Q4 earnings outperformance, increased 2026 EPS estimates tied to changes in recoveries, and what they describe as solid collections, capital deployment, and margin trends. Analyst Commentary Recent research notes cluster around a more supportive stance on Encore Capital Group, with several bullish analysts pointing to Q4 outperformance, higher earnings forecasts, and operational execution as key inputs to their updated valuation work.Narrative Update • Mar 22
ECPG: Recovery Assumptions And 2026 EPS Guidance Will Drive Future Upside
Analysts have lifted their price targets on Encore Capital into a higher $78 to $90 range, citing a Q4 earnings beat, higher 2026 EPS estimates tied to changes in recoveries, and what they describe as another solid quarter with strong collections, record capital deployment, and improving margins. Analyst Commentary Recent research points to a more constructive stance on Encore Capital Group, with several bullish analysts lifting their valuation frameworks following Q4 results and updated guidance around recoveries and earnings power.Narrative Update • Mar 06
ECPG: Recovery Trends And 2026 EPS Guidance Will Shape Future Returns
Analysts have raised their average fair value estimate for Encore Capital Group to about $82.67 from roughly $62.67. They point to a combination of higher price targets in the $78 to $90 range and updated earnings expectations, following what they describe as solid recent quarters and stronger recoveries.Narrative Update • Feb 19
ECPG: Lower Risk Assumptions And Modest P/E Repricing Will Shape Returns
Analysts have lifted their $ fair value estimate for Encore Capital Group by about $2 per share, citing refreshed research from Northland and Citizens that supports slightly lower discount rate assumptions and a modestly higher future P/E multiple. Analyst Commentary Recent Street research on Encore Capital Group has focused on refreshed valuation work, with higher price targets tied to updated discount rate assumptions and expectations for a somewhat stronger P/E multiple over time.Narrative Update • Feb 05
ECPG: Higher Future P/E And Earnings Visibility Will Support Upside Potential
Analysts have lifted their fair value estimate for Encore Capital Group from $60.25 to about $62.67, citing updated views on earnings potential and valuation multiples reflected in recent price target increases. Analyst Commentary Recent research updates highlight that bullish analysts are revisiting their fair value views for Encore Capital Group, with some price targets being reset higher in light of their latest earnings work and valuation checks.Narrative Update • Jan 22
ECPG: Expanded Buybacks And Higher Future P/E Will Shape Steady Returns
Analysts lifted their price target on Encore Capital Group by $16, citing updated expectations for slower revenue growth, a narrower profit margin, and a higher future P/E multiple, while keeping their fair value estimate at $60.25. Analyst Commentary Bullish Takeaways Bullish analysts see the higher future P/E multiple as a sign that investors may be willing to pay more for each dollar of earnings, assuming the company can deliver against current expectations.Narrative Update • Jan 06
ECPG: Expanded Buybacks Will Support Steady Future Returns At Current Pricing
Analysts kept their fair value estimate for Encore Capital Group steady at US$60.25. This reflects unchanged assumptions around revenue growth, profit margins and future P/E expectations.Narrative Update • Dec 20
ECPG: Expanded Buybacks Will Likely Support Steady Future Share Performance
Analysts have modestly adjusted their price target on Encore Capital Group, increasing it by $0.00 per share as they reaffirm expectations for steady revenue growth, resilient profit margins, and a stable valuation multiple that remains aligned with prior assumptions. What's in the News Encore Capital Group increased its equity buyback authorization by $300 million on November 5, 2025, lifting the total repurchase capacity to $600 million (company announcement).Narrative Update • Dec 06
ECPG: Expanded Share Repurchases Will Support Stronger Future Share Price Performance
Analysts have raised their price target on Encore Capital Group slightly to align with a refined fair value estimate of $60.25. This reflects stable growth and margin assumptions that support a modestly improved outlook.Narrative Update • Nov 22
ECPG: Expanded Share Buybacks Will Drive Future Share Price Gains
Analysts have revised their price target for Encore Capital Group, lowering it from $60.25 to $60.25. This reflects a minimal adjustment as updated projections for future price-to-earnings ratios shift slightly.Narrative Update • Nov 07
ECPG: Updated Outlook Suggests Profitability Will Drive Higher Share Prices
Analysts have raised their price target for Encore Capital Group from $57.25 to $60.25 per share. They cite an updated assessment of growth prospects and profitability, despite modest adjustments to revenue forecasts and profit margins.New Narrative • May 28
US Consumer Lending Will Fuel Portfolio Expansion
Elevated supply of non-performing loans and favorable credit conditions are fueling Encore's portfolio growth, earnings expansion, and future revenue opportunities.Analysis Article • Jun 01
We Think Shareholders May Want To Consider A Review Of Encore Capital Group, Inc.'s (NASDAQ:ECPG) CEO Compensation Package
Key Insights Encore Capital Group's Annual General Meeting to take place on 7th of June CEO Ashish Masih's total...Analysis Article • Dec 18
Do Encore Capital Group's (NASDAQ:ECPG) Earnings Warrant Your Attention?
Investors are often guided by the idea of discovering 'the next big thing', even if that means buying 'story stocks...Analysis Article • Sep 18
Do Encore Capital Group's (NASDAQ:ECPG) Earnings Warrant Your Attention?
It's common for many investors, especially those who are inexperienced, to buy shares in companies with a good story...Seeking Alpha • Jul 12
Encore Capital Group stock gains after positive mention on CNBC
Encore Capital Group (NASDAQ:ECPG) stock gained 4.2% in Tuesday trading after Ritholtz's Josh Brown mentioned the publicly traded debt collector in the U.S. in CNBC's Halftime Report. "I have a small position, I intend to add to it," Brown said "Basically, this is an essential part of life. You may not love debt collection, but we are going to have a very big uptick in non-performing loans," he added. He prefaced his comments with: "Don't buy something just because it gets mentioned on TV. SA's Quant system, which historically outperforms the market, has a Hold on Encore Capital (ECPG), compared with the average Wall Street rating of Buy.Analysis Article • Jun 12
Is Now The Time To Put Encore Capital Group (NASDAQ:ECPG) On Your Watchlist?
Like a puppy chasing its tail, some new investors often chase 'the next big thing', even if that means buying 'story...Shareholder Returns
| ECPG | US Consumer Finance | US Market | |
|---|---|---|---|
| 7D | -3.3% | 2.9% | 0.8% |
| 1Y | 122.2% | 4.3% | 20.2% |
Return vs Industry: ECPG exceeded the US Consumer Finance industry which returned 4.3% over the past year.
Return vs Market: ECPG exceeded the US Market which returned 20.2% over the past year.
Price Volatility
| ECPG volatility | |
|---|---|
| ECPG Average Weekly Movement | 3.8% |
| Consumer Finance Industry Average Movement | 6.7% |
| Market Average Movement | 7.3% |
| 10% most volatile stocks in US Market | 16.7% |
| 10% least volatile stocks in US Market | 3.2% |
Stable Share Price: ECPG has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: ECPG's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1999 | 7,350 | Ashish Masih | www.encorecapital.com |
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.
Encore Capital Group, Inc. Fundamentals Summary
| ECPG fundamental statistics | |
|---|---|
| Market cap | US$1.92b |
| Earnings (TTM) | US$296.28m |
| Revenue (TTM) | US$1.85b |
6.5x
P/E Ratio1.0x
P/S RatioIs ECPG overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| ECPG income statement (TTM) | |
|---|---|
| Revenue | US$1.85b |
| Cost of Revenue | US$0 |
| Gross Profit | US$1.85b |
| Other Expenses | US$1.56b |
| Earnings | US$296.28m |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
Aug 05, 2026
| Earnings per share (EPS) | 13.82 |
| Gross Margin | 100.00% |
| Net Profit Margin | 16.00% |
| Debt/Equity Ratio | 390.5% |
How did ECPG perform over the long term?
See historical performance and comparisonCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/07/07 02:10 |
| End of Day Share Price | 2026/07/07 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Encore Capital Group, Inc. is covered by 12 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Iza Rokicka | Biuro maklerskie mBanku |
| David Scharf | Citizens JMP Securities, LLC |
| Richard Shane | Jefferies LLC |