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

Last close, 14 Aug 2026
$104
+2.42% on the day

The 4 Wall Street analysts covering Encore Capital Group, Inc. hold a median 12-month price target of $115 — +10.9% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 99 of 100 as at 15 Aug 2026 — among the strongest tenth. Here, the model and the Street point the same way.

Market cap
$2.2B
Ticker Nerd rank
99 / 100
Median analyst target
$115
Analysts covering
4
Total return, dividends reinvested
1W
+3.5%
1M
+15.8%
YTD
+90.9%
1Y
+150.0%
From 52W high
0.0%
From 52W low
+156.0%
$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 15 Aug 2026
99 / 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Momentum
99
Growth
99
Quality
96
Revisions
94
Volatility
89
Value
81
Issuance
64
Size
35
Accruals
24

Momentum (99): The shares have been drifting up relative to others.

Accruals (24): 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.

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

The green dot is the last close — the median target sits +10.9% 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.

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
+2.9%
Analysts raising
0
Analysts cutting
1
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
7.9×

Cheaper than 62% of US stocks

Price / sales
1.2×

Cheaper than 67% of US stocks

Price / book
2.0×

Cheaper than 46% of US stocks

EV / EBITDA
8.3×

Cheaper than 45% 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 79% 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.

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.$2.2B
99
WUThe Western Union Co.$2.4B
65
AGMFederal Agricultural Mortgage Corp.$2.5B
88
EZPWEZCORP, Inc.$1.8B
81
UPSTUpstart Holdings, Inc.$3.0B
25
ATLCAtlanticus Holdings Corp.$1.6B
71
JCAPJefferson Capital, Inc.$1.4B
62

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

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.

ECPG Rises 16.3% in 3 Months Amid Record Collections and Higher EPS

Zacks Investment Research · 11 Aug 2026positive

Encore Capital's stock rose 16.3% over three months, supported by record collections, higher earnings expectations, and a peer valuation discount, although it faces cost and leverage risks.

Why it matters — The report highlights the combination of record collections, stronger earnings outlook, and a valuation discount that have driven ECPG's recent share-price gains, alongside persistent cost and leverage concerns.

All You Need to Know About Encore Capital Group (ECPG) Rating Upgrade to Strong Buy

Zacks Investment Research · 10 Aug 2026positive

Encore Capital Group (ECPG) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects, which could drive the stock higher in the near term.

Why it matters — This upgrade signals growing optimism about Encore Capital's earnings prospects, which could push the stock higher in the near term.

Are Investors Undervaluing Encore Capital Group (ECPG) Right Now?

Zacks Investment Research · 7 Aug 2026neutral

Zacks Investment Research published an article asking whether investors are undervaluing Encore Capital Group (ECPG). The piece describes Zacks' focus on its Zacks Rank system, which emphasizes earnings estimates and estimate revisions, while also tracking value, growth, and momentum trends to identify strong stocks.

Why it matters — The item signals that ECPG is being evaluated by Zacks' earnings-estimate and trend-based methodology, which watchers may consider relevant to assessing the stock's current valuation.

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. 99 out of 100 across roughly 4,600 US stocks as at 15 Aug 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank ECPG?

As at 15 Aug 2026, Encore Capital Group, Inc. ranks 99 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 Momentum (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 +10.9% from the last close, and Ticker Nerd's factor model ranks Encore Capital Group, Inc. 99 out of 100 as at 15 Aug 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 +150.0% over the 12 months to 14 Aug 2026, with dividends reinvested. Past performance does not indicate future returns.

What does Encore Capital Group, Inc. do?

Encore Capital Group Inc. operates as a specialty financial services company that focuses on distressed consumer debt buying and recovery.

What is the latest news on ECPG?

The most recent item we track (Zacks Investment Research, 11 Aug 2026): "Can Encore Capital's Raised 2026 Outlook Drive More Earnings Growth?". 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.

Company

About Encore Capital Group, Inc.

Encore Capital Group Inc. operates as a specialty financial services company that focuses on distressed consumer debt buying and recovery. The primary function of Encore Capital Group is to acquire portfolios of defaulted consumer credit, such as credit cards, student loans, and auto loans, from major financial institutions and other credit providers. By purchasing these debts at a significant discount, the company seeks to collect full or partial payments over time, either directly through its internal collection efforts or by outsourcing to third-party agencies. Encore’s operations significantly impact the credit recovery and debt management sectors, providing a channel for creditors to offload non-performing assets and enhance their balance sheets. Founded in 1999 and headquartered in San Diego, California, Encore Capital Group maintains a noteworthy presence in global markets, including in the United States and international markets like the United Kingdom and India. The company’s role is crucial in the financial ecosystem, as it helps in recycling capital back into the lending system while providing tailored solutions for debt management.

CEO Mr. Ashish Masih · 7,350 employees · United States · https://www.encorecapital.com