ECPGFinancial Services · Credit ServicesThe 4 Wall Street analysts covering Encore Capital Group, Inc. hold a median 12-month price target of $115 — +14.0% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 98 of 100 as at 14 Oct 2026 — among the strongest tenth. Here, the model and the Street point the same way.
Consensus tells you what everyone already believes. The model scores Encore Capital Group, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.
Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested
Growth (99): Sales and profits are climbing, and climbing faster than before.
Accruals (25): A large share of reported profit has not shown up as cash, or the balance sheet is expanding quickly — both tend to unwind.
Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen years in markets.
The bullish and bearish analyst opinions on ECPG, reported as data — targets and ratings, the market's view beside the model's.
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
Data provided by Twelve Data
The green dot is the last close — the median target sits +14.0% from it.
| Date | Firm | Action | Rating | Target |
|---|---|---|---|---|
| 6 Aug 2026 | Truist Securities | Maintains | Buy | $105 → $112 |
| 17 June 2026 | Citizens | Maintains | Market Outperform | $108 → $115 |
| 17 June 2026 | Citizens | Maintains | Market Outperform | — |
| 7 May 2026 | Citizens | Maintains | Market Outperform | — |
| 7 May 2026 | Truist Securities | Maintains | Buy | — |
| 26 Feb 2026 | Citizens | Maintains | Market Outperform | — |
| 26 Feb 2026 | Truist Securities | Maintains | Buy | — |
| 20 Jan 2026 | Citizens | Maintains | Market Outperform | — |
| 6 Nov 2025 | Janney Montgomery Scott | Maintains | Buy | — |
| 27 Feb 2025 | Truist Securities | Maintains | Buy | — |
| 23 Dec 2024 | Northland Capital Markets | Maintains | Outperform | — |
| 7 Nov 2024 | JMP Securities | Maintains | Market Outperform | — |
| 17 Oct 2024 | Northland Capital Markets | Upgrade | Outperform | — |
| 14 Oct 2024 | JMP Securities | Reiterates | Market Outperform | — |
| 20 Aug 2024 | Truist Securities | Maintains | Buy | — |
| 6 May 2024 | JMP Securities | Reiterates | Market Outperform | — |
| 17 Apr 2024 | JMP Securities | Reiterates | Market Outperform | — |
| 6 Nov 2023 | JMP Securities | Maintains | Market Outperform | — |
| 21 Sept 2023 | Truist Securities | Reiterates | Buy | — |
| 7 Aug 2023 | JMP Securities | Reiterates | Market Outperform | — |
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
Computed off the Friday close and sent before the US open.
Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. ECPG appears on the weeks it earns a place.
Both lines are total return — dividends reinvested — so the comparison is honest on both sides.
Over the twelve months to 14 Oct 2026, Encore Capital Group, Inc. returned +124.6% against +17.5% for the S&P 500, dividends included.
Download this chart as an image — free to reuse; link this page as the source.
Data provided by Twelve Data
Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.
A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.
Cheaper than 62% of US stocks
Cheaper than 65% of US stocks
Cheaper than 43% of US stocks
Cheaper than 43% of US stocks
Higher than 56% of US stocks
Higher than 47% of US stocks
Higher than 68% of US stocks
Higher than 91% of US stocks
Higher than 79% of US stocks
Higher than 88% of US stocks
Higher than 89% of US stocks
Higher than 1% of US dividend payers
Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.
The headline figures, each with its date. Every row carries its own link — cite it straight from here.
Encore Capital Group, Inc. has a market value of $2.1B and an enterprise value of $6.2B.
Revenue in the twelve months to 30 June 2026: $1.9B. The latest quarter grew 11.3% year on year.
Net income over the same four quarters: $301.6M, a 15.9% net margin.
Diluted earnings per share, trailing twelve months: $13.21.
Free cash flow in the twelve months to 30 June 2026: $125.1M.
Encore Capital Group, Inc. spent $112.2M on share buybacks in the twelve months to 30 June 2026.
Trailing P/E: 7.7×; forward P/E: 7.6× — the forward figure prices analyst consensus estimates, not reported earnings.
Forward dividend yield: 0.00%, paying out 0% of earnings.
Encore Capital Group, Inc. employs 7,350 people — $259K of revenue per employee.
Data provided by Twelve Data
The nearest names by industry and size, scored by the same model — like for like.
Look up any of the roughly 4,600 stocks we score.
The rank is the raw material. Whether the rules would actually own Encore Capital Group, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →
Encore Capital Group said it will release its third-quarter 2026 financial results after the market closes on November 4. The company will host a conference call and slide presentation that day with executives discussing the results.
Why it matters — ECPG watchers can note the scheduled date and time for the company’s quarterly results and management discussion.
Encore Capital Group's stock has risen 73.8% year to date in 2026, supported by strong U.S. collections, higher guidance, and balance-sheet flexibility, though the article notes remaining risks. The report from Zacks Investment Research highlights the share price surge and the factors underpinning it.
Why it matters — ECPG watchers would care because the stock's significant run-up reflects improved collections, raised guidance, and financial flexibility, while the noted risks still bear on the outlook for the company.
Encore Capital Group is benefiting from favorable U.S. credit portfolio conditions, which have enabled more efficient capital deployment and stronger profitability. The company's shift to higher-yielding U.S. debt portfolios has driven record recoveries, improved cash efficiency margin to 60.2%, and raised return on invested capital to 13.7%.
Why it matters — ECPG watchers would care because the company's improved profitability and cash efficiency come amid favorable U.S. credit conditions, though it still trades at a discount due to market concern over its high leverage and interest costs.
Encore Capital Group (ECPG) shares have doubled over the past 52 weeks, trading around $99.37 within a range of $39.94 to $104.98. The company's business involves purchasing charged-off consumer debt from banks, including written-off credit-card balances, and collecting what it can, while the article suggests this favorable tailwind may not persist indefinitely.
Why it matters — This item highlights both the substantial run-up in ECPG's stock and a caution that the conditions driving that growth may not be sustainable, which is directly relevant to the company's outlook.
A Zacks Investment Research report highlights favorable dynamics in the Consumer Loans industry, including higher rates for longer, digitization, and easier lending criteria, identifying ENVA and ECPG as firms poised to gain despite headwinds such as subdued asset quality and macro uncertainty.
Why it matters — For ECPG watchers, the report signals that the company is seen as well positioned to benefit from current industry tailwinds despite broader sector challenges.
The 4 Wall Street analysts covering Encore Capital Group, Inc. have a median 12-month price target of $115, with estimates ranging from $112 to $124. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.
Of the 4 analysts covering Encore Capital Group, Inc., 3 rate it a Buy, 1 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks Encore Capital Group, Inc. 98 out of 100 across roughly 4,600 US stocks as at 14 Oct 2026. None of this is personal advice — it does not consider your circumstances.
As at 14 Oct 2026, Encore Capital Group, Inc. ranks 98 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Growth (99 of 100).
No one can know that. What the data says: the median 12-month target from 4 analysts implies +14.0% from the last close, and Ticker Nerd's factor model ranks Encore Capital Group, Inc. 98 out of 100 as at 14 Oct 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.
No analyst covering Encore Capital Group, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for ECPG are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $112 to $124 over the next 12 months.
Encore Capital Group, Inc. returned +124.6% over the 12 months to 14 Oct 2026, with dividends reinvested. Past performance does not indicate future returns.
Encore Capital Group, Inc. is a specialty finance company focused on debt recovery solutions and related services for consumers and other credit originators.
The most recent item we track (GlobeNewsWire, 6 Oct 2026): "Encore Capital Group to Announce Third Quarter 2026 Financial Results on November 4". Encore Capital Group said it will release its third-quarter 2026 financial results after the market closes on November 4. The company will host a conference call and slide presentation that day with executives discussing the results.
Encore Capital Group, Inc. is a specialty finance company focused on debt recovery solutions and related services for consumers and other credit originators. Through its core businesses in the United States and Europe, the company purchases portfolios of defaulted consumer receivables and manages them through collection, servicing, and portfolio management activities. Its services include early-stage collections, business process outsourcing, contingent collection support, and other credit management solutions designed to help individuals repay obligations over time. Encore Capital Group serves banks, credit unions, consumer finance companies, utility providers, and commercial retailers, making it an important participant in the broader receivables management market. Headquartered in San Diego, California, Encore Capital Group operates as a global provider of consumer debt purchasing and recovery services.
CEO Mr. Ashish Masih · 7,350 employees · United States · https://www.encorecapital.com
