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Encore Capital Group (ECPG)
$92.82+2.20 (+2.43%)
Market ClosedLast close Jun 29
Encore Capital Group, Inc., a specialty finance company, provides debt recovery solutions and other related services for consumers across financial assets worldwide.
Historical Price
Price (Candle)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
Encore Capital Group, Inc. in the Financial Services sector is trading at $92.82 with a market capitalization of $1.8B. Wall Street consensus targets $113.33 (3 analysts), implying a +22.1% move over the next 12 months. The stock is currently near its 52-week high of $92.93, remaining 49.6% above its 200-day moving average. On fundamentals, Piotroski 6/9 shows mixed financial quality, Altman Z in the distress zone. The Whystock Score of 85/100 reflects bullish alignment across trend, valuation and analyst targets.
Ecosystem Influences
Sell-side targets imply +22.1% upside over 12 months
Long-term trend bullish (price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
Quarterly Financials
| Metric (USD) | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|---|
| Total Revenue | $475.41M↑ | $473.55M↑ | $460.35M↑ | $442.12M↑ | $392.77M |
| Gross Profit | $265.31M↑ | $260.89M↑ | $256.62M↑ | $236.36M↑ | $211.96M |
| Operating Income | $183.99M↑ | $173.39M↑ | $173.18M↑ | $150.73M↑ | $129.34M |
| Net Income | $86.24M↑ | $76.66M↑ | $74.66M↑ | $58.72M↑ | $46.80M |
Peer Comparison
JPMBACGS
Fundamentals
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 f...
Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$1.80B
P/E Ratio
Priced for growth. Investors expect sustained double-digit expansion.
-
Beta
High-beta play. Expect amplified moves vs. the broad market.
-
Div Yield
Low to zero yield. Return is entirely dependent on price appreciation.
0.00%
ROE
Elite ROE. Management converts capital into profit efficiently.
28.63%
Volume
Today's trading volume
391,080
Recent News
ECPG Stock Outlook Rests on U.S. Supply and Collection Strength
Encore Capital's outlook hinges on U.S. debt supply, record collections and funding discipline after a sharp 58.1% year-to-date rally.
Is ECPG Still Undervalued After Its Rally and Earnings Reset Higher
Encore Capital still looks inexpensive after its rally, with low earnings multiples and higher forecasts offset by leverage, legal costs and concentration risks.
Encore Capital Trends Point to Tech Gains and Margin Risks Into 2026
ECPG's tech-led collection gains and strong U.S. supply are lifting results, but legal costs, funding pressure and Europe remain key tests.
Zacks Industry Outlook Highlights Credit Acceptance, Enova and Encore
Credit Acceptance, Enova and Encore have been highlighted in this Industry Outlook article.
3 Consumer Loan Stocks Poised to Gain From Improving Industry Dynamics
While subdued asset quality and macro uncertainty are concerns, higher rates for long, digitization and easier lending criteria support the Zacks Consumer Loans industry. So, firms like CACC, ENVA and ECPG are poised to gain.