ECPG
Encore Capital Group, Inc.
$100.62
-1.04% 2026-10-19
FinancialsS&P 600
ECPGSPY
1W
-0.2%
1M
+1.1%
3M
+13.5%
6M
+22.4%
YTD
+85.1%
1Y
+143.3%
Grades vs sector
Momentum100th pct in sectorA+
Momentum
100th pct in sector
12-1 return: +127.1%
Percentile within its GICS sector across the S&P 1500.
Percentile within its GICS sector across the S&P 1500.
Growth52nd pct in sectorC+
Growth
52nd pct in sector
Revenue growth (YoY): +11.3%
Percentile within its GICS sector across the S&P 1500.
Percentile within its GICS sector across the S&P 1500.
Value76th pct in sectorB+
Value
76th pct in sector
Forward E/P: 13.1% · EBITDA/EV: 12.1%
Percentile within its GICS sector across the S&P 1500.
Percentile within its GICS sector across the S&P 1500.
Profitability62nd pct in sectorB-
Profitability
62nd pct in sector
Profit margin: +15.9% · Return on equity: +30.5%
Percentile within its GICS sector across the S&P 1500.
Percentile within its GICS sector across the S&P 1500.
Revisionsno data–
Revisions
no data
EPS estimate change, 30 days (current FY): –
30-day change in analysts' current-year EPS estimate; graded across covered stocks.
30-day change in analysts' current-year EPS estimate; graded across covered stocks.
Our models
Held by 1 of 3 live models: Momentum Blend.
Momentum Blend
3.9% of the book · Core sleeve
HeldMomentum Top 15not ranked (outside this model's universe or screens)
Quality Growthnot ranked (outside this model's universe or screens)
Key stats
Market cap$2.1B
P/E (trailing)7.6
P/E (forward)7.5
52-week range40.52 – 105.98
Revenue growth (YoY, latest qtr)+11.3%
Dividend yield0.00%
Analyst consensusBuy (3)
Mean price target$117.00 (+16%)
Valuation & fundamentals
Bottom line
Leans undervalued
Model read-out from the numbers below, not advice. Score +2 (DCF counts double).
•DCF (base case)above the price by 11%
▲Forward P/E vs sector7.5x vs median 10.2x
•Piotroski F-score6/9
▲Net debt / EBITDA-0.1x
▲Analyst target+16% (3 analysts)
Discounted cash flow
Bear
$75
-26%
growth 5% · disc. 11.8% · term. 2.0%
Base
$112
+11%
growth 10% · disc. 10.8% · term. 2.5%
Bull
$157
+56%
growth 13% · disc. 9.8% · term. 3.0%
A DCF starts from trailing free cash flow, so it can overstate value if the last 12 months were unusually strong (or weak). Use the bear case or edit the starting cash flow if so.
Reverse DCFfor context, not a signal
A normal DCF guesses future cash flows and works out a price. A reverse DCF runs it backwards: it starts from today's price and asks how fast free cash flow would have to grow to justify it. It tells you what the market is assuming, not whether the stock is cheap or expensive, and it is not a buy or sell signal. Glossary
Not meaningful for consumer finance: for banks, insurers and lenders, cash moving through loans and deposits swamps "free cash flow". Book value and earnings are better guides.
Edit assumptions · recalculates instantly
Your value per share–
Free cash flow = operating cash flow − capital spending, trailing 12 months (TTM to 2026-06-30). Growth default: average of 3-year revenue CAGR and latest revenue growth, capped at 30%. Years 6–10 fade linearly to terminal growth. Discount rate = 4.25% risk-free assumption + beta 1.31 × 5% equity premium, kept within 7–13%. Bear: lower growth, +1 pt discount, 2% terminal. Bull: higher growth, −1 pt, 3%.
Multiples vs Financials
P/E (trailing)
cheaper
sector median 13.0× · 7th pct
7.6×cheaper
Forward P/E
cheaper
sector median 10.2× · 14th pct
7.5×cheaper
EV / EBITDA
cheaper
sector median 10.9× · 0th pct
2.8×cheaper
Price / sales
cheaper
sector median 2.8× · 19th pct
1.1×cheaper
Price / book
pricier
sector median 1.6× · 66th pct
2.2×pricier
FCF yield
pricier
sector median 8.2% · 31st pct
5.9%pricier
Forward EPS $13.36 vs trailing $13.17 (+1% expected growth). Forward P/E uses analysts' next-12-month estimate.
Quality & financial health
Gross margin
–
Operating margin
37.7%
FCF margin
6.6%
Net margin
15.9%
Return on equity
30.5%
Return on invested capital
60.9%
Net debt / EBITDA
-0.1×
Current ratio
–
Interest cover
2.4×
Cash conversion (OCF/NI)
0.5×
Piotroski F-score 6/9 · last two fiscal years
✓ Positive net income✓ Positive operating cash flow✓ Return on assets improved✗ Cash flow above net income✓ Long-term debt / assets fell✗ Current ratio improved✓ No share dilution✗ Gross margin improved✓ Asset turnover improved
Analysts
Mean target
$117
+16%
Analysts
3
Buy
Range
$112–$124
low – high
● price · ◆ mean target
Annual history
| FY | Revenue | Net income | Free cash flow |
|---|---|---|---|
| 2025 | $1.8B | $256.8M | $126.9M |
| 2024 | $1.3B | $-139.2M | $127.2M |
| 2023 | $1.2B | $-206.5M | $128.2M |
| 2022 | $1.4B | $194.6M | $173.5M |
| 2021 | $1.6B | $350.8M | $269.7M |
| 2020 | $1.5B | $211.8M | $278.3M |
From the company's 10-K filings via SEC XBRL. 3-year revenue CAGR +8.1%.
Earnings
Next report: 2026-11-04 · during market · EPS est 3.08
EstimateActual (beat)Actual (miss)
| Report | EPS est | Actual | Surprise |
|---|---|---|---|
| 2026-08-05 | 2.62 | 3.95 | +50.8% |
| 2026-05-06 | 2.78 | 3.91 | +40.8% |
| 2026-02-25 | 1.75 | 3.48 | +98.9% |
| 2025-11-05 | 1.59 | 3.18 | +100.6% |
| 2025-08-06 | 1.21 | 2.52 | +109.4% |
| 2025-05-07 | 0.99 | 1.94 | +95.6% |
| 2025-02-26 | 1.45 | -4.26 | -394.0% |
| 2024-11-06 | 1.42 | 1.26 | -10.9% |
Quarterly revenue
| Quarter | Revenue | YoY |
|---|---|---|
| 2026-06-30 | $491.9M | +11.3% |
| 2026-03-31 | $475.4M | – |
| 2025-12-31 | $473.6M | – |
| 2025-09-30 | $460.4M | – |
| 2025-06-30 | $442.1M | – |
Analyst actions
Truist Securities
PT $112
2026-08-06 · main
Buy → BuyPT $112
Citizens
PT $115
2026-06-17 · main
Market Outperform → Market OutperformPT $115
Citizens
PT $108
2026-05-07 · main
Market Outperform → Market OutperformPT $108
Truist Securities
PT $105
2026-05-07 · main
Buy → BuyPT $105
Citizens
PT $90
2026-02-26 · main
Market Outperform → Market OutperformPT $90
Truist Securities
PT $80
2026-02-26 · main
Buy → BuyPT $80
Insider trades
None
–
None · None
SELL–
None
–
None · None
SELL–
News
Moelis, Lazard, Sezzle, Affirm, and Encore Capital Group Stocks Trade Down, What You Need To Know
StockStory · Oct 14
Encore Capital Group (ECPG) As Risk Concerns Meet An Undervalued Narrative
Simply Wall St. · Oct 14
1 Profitable Stock to Own for Decades and 2 Facing Headwinds
StockStory · Oct 14
Encore Capital Group to Announce Third Quarter 2026 Financial Results on November 4
GlobeNewswire · Oct 06
Debt Collectors Are Taking More Consumers to Court—and Winning
Barrons.com · Oct 06
Encore Capital Group (ECPG): Buy, Sell, or Hold Post Q2 Earnings?
StockStory · Oct 05
Encore Capital Stock Soars 73.8% YTD: Is There Further Upside Left?
Zacks · Oct 01
3 U.S. Credit Restructuring Stocks Investors Are Watching As Consumer Stress Builds
Simply Wall St. · Sep 29
Stats refreshed 2026-10-19 17:47:10 ET from Yahoo Finance (yfinance). "–" means the data isn't available. Refresh now
coteau