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ECPG Stock Forecast: Encore Capital Group, Inc. Price Predictions for 2026-2027

Last close, 18 Sept 2026
$100
−0.64% on the day

The 4 Wall Street analysts covering Encore Capital Group, Inc. hold a median 12-month price target of $115 — +15.5% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 98 of 100 as at 19 Sept 2026 — among the strongest tenth. Here, the model and the Street point the same way.

Market cap
$2.1B
Ticker Nerd rank
98 / 100
Median analyst target
$115
Analysts covering
4
Revenue$491.9M+11.3% y/y
Operating income$186.9M
Net income$64.0M
Free cash flow−$37.8M
Quarterly, 8 quarters to 30 June 2026 · latest quarter's figure shown
Total return, dividends reinvested
1W
+1.0%
1M
−2.6%
YTD
+83.1%
1Y
+116.0%
From 52W high
−4.0%
From 52W low
+145.6%
$41
$104
52-week range, adjusted closes · the dot is the last close
Ticker Nerd rank

ECPG stock analysis: one number for the whole business

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.

Where the model ranks itAs at 19 Sept 2026
98 / 100

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
Momentum
98
Quality
95
Revisions
94
Volatility
89
Value
81
Issuance
64
Size
34
Accruals
25

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.

Wall Street

ECPG stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on ECPG, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars
$40$60$80$100$120Oct 25Jan 26Apr 26Jul 26ECPGHigh $120Median $115Low $112

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

What Wall Street says4 analysts
3 Buy1 Hold0 Sell
Low $112Median $115High $120

The green dot is the last close — the median target sits +15.5% from it.

Recent analyst actionsNewest first
DateFirmActionRatingTarget
6 Aug 2026Truist SecuritiesMaintainsBuy$105 → $112
17 June 2026CitizensMaintainsMarket Outperform$108 → $115
17 June 2026CitizensMaintainsMarket Outperform—
7 May 2026CitizensMaintainsMarket Outperform—
7 May 2026Truist SecuritiesMaintainsBuy—
26 Feb 2026CitizensMaintainsMarket Outperform—
26 Feb 2026Truist SecuritiesMaintainsBuy—
20 Jan 2026CitizensMaintainsMarket Outperform—
6 Nov 2025Janney Montgomery ScottMaintainsBuy—
27 Feb 2025Truist SecuritiesMaintainsBuy—
23 Dec 2024Northland Capital MarketsMaintainsOutperform—
7 Nov 2024JMP SecuritiesMaintainsMarket Outperform—
17 Oct 2024Northland Capital MarketsUpgradeOutperform—
14 Oct 2024JMP SecuritiesReiteratesMarket Outperform—
20 Aug 2024Truist SecuritiesMaintainsBuy—
6 May 2024JMP SecuritiesReiteratesMarket Outperform—
17 Apr 2024JMP SecuritiesReiteratesMarket Outperform—
6 Nov 2023JMP SecuritiesMaintainsMarket Outperform—
21 Sept 2023Truist SecuritiesReiteratesBuy—
7 Aug 2023JMP SecuritiesReiteratesMarket 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.

Market Radar

This page is one stock. Monday covers all of them.

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.

Free, every Monday. Unsubscribe any time.

Performance

ECPG vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

Over the twelve months to 18 Sept 2026, Encore Capital Group, Inc. returned +116.0% against +16.3% for the S&P 500, dividends included.

ECPG vs S&P 500, last 12 monthsTotal return, rebased to 100
100150200Oct 25Jan 26Apr 26Jul 26ECPGS&P 500

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

Estimates

ECPG analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Which way the estimates are movingNext fiscal year
EPS revision, 90 days
+4.0%
Analysts raising
3
Analysts cutting
0
Fundamentals

Encore Capital Group, Inc. (ECPG) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
7.6×

Cheaper than 62% of US stocks

Price / sales
1.1×

Cheaper than 67% of US stocks

Price / book
2.0×

Cheaper than 46% of US stocks

EV / EBITDA
8.2×

Cheaper than 44% of US stocks

Growth & margins
Revenue growth (YoY)
11.3%

Higher than 56% of US stocks

Earnings growth (YoY)
9.0%

Higher than 47% of US stocks

Gross margin
54.8%

Higher than 68% of US stocks

Operating margin
38.0%

Higher than 91% of US stocks

Net margin
15.9%

Higher than 78% of US stocks

Returns & dividend
Return on equity
30.5%

Higher than 88% of US stocks

Return on assets
8.3%

Higher than 89% of US stocks

Dividend yield
—

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Key statistics

Encore Capital Group, Inc. (ECPG) statistics: revenue, profit & scale

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 $6.1B.

  • 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.

  • Shares outstanding: 21.2M.

  • Trailing P/E: 7.6×; forward P/E: 7.5× — the forward figure prices analyst consensus estimates, not reported earnings.

  • Encore Capital Group, Inc. employs 7,350 people — $259K of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 18 Sept 2026

Data provided by Twelve Data

Peers

ECPG vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelCredit Services
CompanyMarket capTKN rank
ECPGEncore Capital Group, Inc.$2.1B
98
AGMFederal Agricultural Mortgage Corp.$2.4B
88
UPSTUpstart Holdings, Inc.$2.5B
27
WUThe Western Union Co.$2.0B
62
EZPWEZCORP, Inc.$1.9B
81
ATLCAtlanticus Holdings Corp.$1.4B
71
SEZLSezzle, Inc.$3.9B
91

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 →

News

Latest ECPG news & analysis

2 Consumer Loan Stocks to Buy on Favorable Industry Dynamics

Zacks Investment Research · 10 Sept 2026positive

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.

Why Is Encore Capital Group (ECPG) Down 1% Since Last Earnings Report?

Zacks Investment Research · 4 Sept 2026neutral

Encore Capital Group reported earnings 30 days ago, and its stock has declined 1% since that report. The article examines what may come next for the company following the earnings announcement.

Why it matters — Investors tracking Encore Capital would want to understand the stock's post-earnings performance and what factors may influence its trajectory going forward.

Robert W. Beck Appointed to Encore Capital Group Board of Directors

GlobeNewsWire · 19 Aug 2026neutral

Encore Capital Group announced the immediate appointment of Robert (Rob) Beck to its board of directors, where he will serve on the Audit and Risk Committees.

Why it matters — The appointment adds a new director with committee responsibilities to Encore's board, which may be of interest to shareholders monitoring corporate governance.

Can Encore Capital's Raised 2026 Outlook Drive More Earnings Growth?

Zacks Investment Research · 11 Aug 2026positive

Encore Capital Group raised its 2026 earnings and collections outlook, improving visibility for investors, with refinancing savings helping to support continued growth. The report notes cost and leverage risks that remain as considerations.

Why it matters — A raised 2026 outlook signals improved forward visibility for Encore's earnings and collections, a key consideration for watchers tracking its growth trajectory.

Is ECPG a Buy Now as Cheap Valuation Meets Rising Earnings Momentum?

Zacks Investment Research · 11 Aug 2026neutral

Zacks Investment Research highlights that Encore Capital has a discounted valuation and rising earnings estimates, which support the bullish case, but notes that debt, legal costs, and U.S. concentration keep risks elevated.

Why it matters — ECPG watchers would care because the analysis presents a balanced view of both the upside potential from valuation and earnings momentum and the ongoing risks from debt, legal expenses, and geographic concentration.

FAQ

Frequently asked questions about ECPG stock

What is the ECPG stock price forecast for 2026-2027?

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 $120. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.

Is ECPG stock a buy right now?

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 19 Sept 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank ECPG?

As at 19 Sept 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).

Will ECPG stock go up?

No one can know that. What the data says: the median 12-month target from 4 analysts implies +15.5% from the last close, and Ticker Nerd's factor model ranks Encore Capital Group, Inc. 98 out of 100 as at 19 Sept 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.

What is the ECPG stock forecast for 2030?

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 $120 over the next 12 months.

How has ECPG stock performed over the past year?

Encore Capital Group, Inc. returned +116.0% over the 12 months to 18 Sept 2026, with dividends reinvested. Past performance does not indicate future returns.

What does Encore Capital Group, Inc. do?

Encore Capital Group, Inc. is a specialty finance company focused on debt recovery solutions and related services for consumers and other credit originators.

What is the latest news on ECPG?

The most recent item we track (Zacks Investment Research, 10 Sept 2026): "2 Consumer Loan Stocks to Buy on Favorable Industry Dynamics". 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.

Company

About Encore Capital Group, Inc.

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