Encore Capital Group Inc (ECPG)

Currency in USD
56.13
+0.87(+1.57%)
Closed·
56.130.00(0.00%)
·
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Fair Value
Day's Range
55.1856.96
52 wk Range
26.4557.81
Key Statistics
Prev. Close
56.13
Open
55.3
Day's Range
55.18-56.96
52 wk Range
26.45-57.81
Volume
199.87K
Average Volume (3m)
223.08K
1-Year Change
11.5461%
Book Value / Share
41.41
Fair Value
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Fair Value Upside
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ECPG Scorecardpro icon
Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
62.67
Upside
+11.65%
Members' Sentiments
Bearish
Bullish
ProTips
Liquid assets exceed short term obligations

Encore Capital Group Inc News & Analysis

Show more

Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Strong Buy
Technical Indicators
Strong Buy
Moving Averages
Strong Buy

Encore Capital Group Inc Company Profile

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 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.

Sector
Financial
Employees
7350

Encore Capital Group Inc SWOT Analysis


Debt Recovery Surge
Encore Capital Group's Q1 2024 results showcase robust growth in collections and purchasing volumes, particularly in the U.S. market
Financial Resilience
Strong Adjusted EBITDA of $325 million surpasses expectations, highlighting operational efficiency despite CECL accounting challenges
Market Dynamics
Explore Encore's strategic positioning in a favorable U.S. debt recovery landscape, contrasted with UK market challenges
Future Outlook
Analyst price targets around $60 reflect confidence in Encore's growth potential, despite interest expense concerns impacting EPS estimates
Read full SWOT analysis

Encore Capital Group Inc Earnings Call Summary for Q3/2025

  • Encore Capital reported Q3 2025 EPS of $3.17 (72.28% above forecast) and revenue of $460.35M (12.09% above forecast), driving a 4.01% after-hours stock increase to $41.10.
  • Collections surged 20% to a record $663M while debt purchasing revenue rose 27% to $434M, contributing to a 150% year-over-year increase in EPS and 144% growth in net income.
  • CEO Ashish Masih expressed confidence in continued strong performance, highlighting the company's success in generating good returns under stable pricing conditions.
  • Encore raised its global collections growth guidance to 18% (expecting $2.55B) and anticipates global portfolio purchasing to exceed $1.35B in 2025, with interest expenses around $295M.
  • Key risks include rising credit card charge-off rates (highest in over a decade), near multi-year high consumer delinquencies, slow European lending growth, and interest rate fluctuations.
Last Updated: 2025-11-05, 06:12 p/m
Read Full Transcript

Compare ECPG to Peers and Sector

Metrics to compare
ECPG
Peers
Sector
Relationship
P/E Ratio
−27.7x9.5x10.1x
PEG Ratio
−0.360.410.03
Price/Book
1.3x1.9x1.0x
Price / LTM Sales
0.8x0.8x2.9x
Upside (Analyst Target)
6.1%34.7%10.9%
Fair Value Upside
Unlock44.2%1.2%Unlock

Analyst Ratings

3 Buy
1 Hold
0 Sell
Ratings:
4 analysts
Overall Consensus
Buy

Analysts 12-Month Price Target:

Average 62.67
(+11.65% Upside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
Citizens
Buy75.00+33.62%59.00MaintainJan 20, 2026
Truist Securities
Buy59.00+5.11%57.00MaintainNov 06, 2025
Citizens
Buy59.00+5.11%55.00MaintainNov 06, 2025
Citizens
Buy55.00-2.01%-MaintainOct 13, 2025
Citizens JMP
Buy55.00-2.01%-MaintainSep 09, 2025

Earnings

Latest Release
Nov 05, 2025
EPS / Forecast
3.17 / 1.84
Revenue / Forecast
460.35M / 410.69M
EPS Revisions
Last 90 days

ECPG Income Statement

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FAQ

What Is the Encore Capital (ECPG) Stock Price Today?

The Encore Capital stock price today is 56.13

What Stock Exchange Does Encore Capital Trade On?

Encore Capital is listed and trades on the Nasdaq Stock Exchange.

What Is the Stock Symbol for Encore Capital?

The stock symbol for Encore Capital is "ECPG."

What Is the Encore Capital Market Cap?

As of today, Encore Capital market cap is 1.25B.

What Is Encore Capital's Earnings Per Share (TTM)?

The Encore Capital EPS (TTM) is -1.91.

When Is the Next Encore Capital Earnings Date?

Encore Capital will release its next earnings report on Feb 25, 2026.

From a Technical Analysis Perspective, Is ECPG a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Strong Buy.

How Many Times Has Encore Capital Stock Split?

Encore Capital has split 0 times.

How Many Employees Does Encore Capital Have?

Encore Capital has 7350 employees.

What is the current trading status of Encore Capital (ECPG)?

As of Feb 05, 2026, Encore Capital (ECPG) is trading at a price of 56.13, with a previous close of 56.13. The stock has fluctuated within a day range of 55.18 to 56.96, while its 52-week range spans from 26.45 to 57.81.

What Is Encore Capital (ECPG) Price Target According to Analysts?

The average 12-month price target for Encore Capital is USD62.67, with a high estimate of USD70 and a low estimate of USD59. 3 analysts recommend buying the stock, while 0 suggest selling, leading to an overall rating of Buy. The stock has an +11.65% Upside potential.
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