Audited annual filings, TTM ratios and consensus forward estimates
Wall Street price targets and rating actions
Revenue disaggregation per 10-K filing
Annual filings (FY) with consensus forward estimates (hatched)
1255 daily bars · split adjusted
Current price $97.73
Latest analyst grade actions
| Date | Firm | Action | Previous | New grade |
|---|---|---|---|---|
| Aug 6, 26 | Truist Securities |
Daily · Wilder smoothing
| maintain |
| Buy |
| Buy |
| Jun 17, 26 | Citizens | maintain | Market Outperform | Market Outperform |
| May 7, 26 | Truist Securities | maintain | Buy | Buy |
| May 7, 26 | Citizens | maintain | Market Outperform | Market Outperform |
| Feb 26, 26 | Truist Securities | maintain | Buy | Buy |
| Feb 26, 26 | Citizens | maintain | Market Outperform | Market Outperform |
| Jan 20, 26 | Citizens | maintain | Market Outperform | Market Outperform |
| Nov 6, 25 | Janney Montgomery Scott | maintain | Buy | Buy |
| Feb 27, 25 | Truist Securities | maintain | Buy | Buy |
Classic floor pivots from 2026-10-23
Computed from daily OHLCV bars
| Indicator | Value | Type | Action |
|---|---|---|---|
| RSI (14) | 45.75 | Oscillator | Neutral |
| Stochastic %K (14, 3, 3) | 49.31 | Oscillator | Neutral |
| Williams %R (14) | -81.60 | Oscillator | Buy |
| MACD (12, 26, 9) | 0.86 (Hist -0.14) | Oscillator | Sell |
| Average Directional Index (14) | 15.79 (+DI 19.8 / -DI 22.2) | Trend | Neutral |
| EMA 20 | 100.19 | MA | Sell |
| SMA 20 | 99.51 | MA | Sell |
| EMA 50 | 98.28 | MA | Sell |
| SMA 50 | 99.33 | MA | Sell |
| SMA 200 | 82.06 | MA | Strong Buy |
Free float vs. closely held shares
13F institutional holdings are not available in the current data plan.
SEC Form 4 filings
| Date | Insider | Role | Type | Shares @ price | Value |
|---|---|---|---|---|---|
| Sep 1, 26 | Gupta Ashwini | director | A-Award | 291 @ $93.01 | $27.07K |
| Aug 26, 26 | Beck Robert William | director | A-Award | 1,462 @ $100.15 | $146.4K |
| Aug 19, 26 | Beck Robert William | director: | 0 | — | |
| Jun 22, 26 | Stovsky Richard P | director | A-Award | 2,144 @ $83.95 | $180.0K |
| Jun 22, 26 | Olle Laura | director | A-Award | 2,144 | — |
| Jun 22, 26 | Monaco Michael P | director | A-Award | 2,144 @ $83.95 | $180.0K |
| Jun 22, 26 | Angela A. Knight | director | A-Award | 2,144 @ $83.95 | $180.0K |
| Jun 22, 26 | Hilzinger Jeffrey Albert | director | A-Award | 2,144 @ $83.95 | $180.0K |
TTM vs. 5-year historical average (annual ratios)
| Metric | ECPG | Historical (5Y) / ref | Status |
|---|---|---|---|
| P/E ratio (TTM) | 7.2x | 0.4x · sector 20.4x | Discount |
| Forward P/E (FY26E) | 7.2x | EPS est. 13.52 | In line |
| Price / Book | 2.0x | 1.3x | Elevated |
| Price / Sales | 1.1x | 0.9x | Elevated |
| EV / EBITDA | 9.5x | 23.6x | Discount |
| Return on equity | 29.8% | — | Top tier |
| Gross margin | 64.0% | 54.8% | Above hist. |
| Debt / Equity | 4.52 | 3.51 | Levered |
| Piotroski / Altman Z | 6/9 | Z 2.33 | Grey zone |
Discounted cash flow model
FY2016 · 10-K disclosure
FY2025 · 10-K disclosure
Stock news · updated daily
SAN DIEGO, Oct. 06, 2026 (GLOBE NEWSWIRE) -- Encore Capital Group, Inc. (Nasdaq:ECPG), an international specialty finance company, announced today that it will release its financial results for the third quarter 2026 on Wednesday, November 4, 2026, after the market closes. The Company will also host a conference call and slide presentation the same day at 2:00 p.m. Pacific / 5:00 p.m. Eastern time with Ashish Masih, President and Chief Executive Officer, Tomas Hernanz, Executive Vice President and Chief Financial Officer, and Bruce Thomas, Vice President, Global Investor Relations, presenting and discussing the reported results.
ECPG jumps 73.8% in 2026, backed by strong U.S. collections, higher guidance and balance-sheet flexibility, but risks remain.
Encore Capital Group benefits from robust US portfolio conditions, enabling more efficient capital deployment and stronger profitability. ECPG's strategic capital shift to higher-yielding US debt portfolios has driven record recoveries, improved cash efficiency margin to 60.2%, and boosted ROIC to 13.7%. Despite a low 7.4x GAAP P/E and 29.3% ROE, ECPG trades at a discount to sector medians, reflecting market caution over high leverage and interest costs.
Encore Capital Group TodayECPGEncore Capital Group$99.37 -0.17 (-0.17%) As of 09/21/2026 04:00 PM Eastern52-Week Range$39.94▼$104.98P/E Ratio7.52Price Target$89.75Add to WatchlistEncore Capital Group NASDAQ: ECPG has built a business around a part of the economy most investors would rather not think about. It buys charged-off consumer debt from banks, including credit-card balances that have been written off as hopeless, and then collects what it can.
Hsbc Holdings PLC boosted its holdings in shares of Encore Capital Group Inc (NASDAQ: ECPG) by 36.6% in the undefined quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission. The firm owned 48,827 shares of the asset manager's stock after purchasing an additional 13,089 shares
While subdued asset quality and macro uncertainty are headwinds, higher rates for longer, digitization and easier lending criteria aid the Zacks Consumer Loans industry. So, firms like ENVA and ECPG are poised to gain.
Encore Capital Group (ECPG) reported earnings 30 days ago. What's next for the stock?
Katapult (NASDAQ: KPLT - Get Free Report) and Encore Capital Group (NASDAQ: ECPG - Get Free Report) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of their institutional ownership, risk, valuation, earnings, analyst recommendations, profitability and dividends. Analyst Ratings This is a summary of current
Reported EPS vs. consensus estimate
| Report date | EPS est. | EPS actual | Surprise | Revenue |
|---|---|---|---|---|
| Aug 5, 2026 | 2.67 | 2.81 | Beat 5.2% | $491.9M |
| May 6, 2026 | 3.26 | 3.86 | Beat 18.4% | $475.4M |
| Feb 25, 2026 | 2.20 | 3.37 | Beat 53.2% | $473.6M |
| Nov 5, 2025 | 1.92 | 3.17 | Beat 65.1% | $460.4M |
| Aug 6, 2025 | 1.44 | 2.49 | Beat 72.9% | $442.1M |
| May 7, 2025 | 1.24 | 1.93 | Beat 55.6% | $392.8M |
| 8-K | Aug 19, 2026 | 2026-08-19 17:27:10 | View |
| SC 13G/A | Aug 7, 2026 | 2026-08-07 17:08:24 | View |
| 10-Q | Aug 5, 2026 | 2026-08-05 17:19:41 | View |
| 8-K | Aug 5, 2026 | 2026-08-05 16:09:16 | View |
| 8-K | Jul 22, 2026 | 2026-07-22 16:20:29 | View |
| 4 | Jun 23, 2026 | 2026-06-23 17:51:56 | View |
Proxy statement (DEF 14A) disclosures