Encore Capital Group, Inc. (ECPG) Stock Price & Analysis

Encore Capital Group, Inc. (ECPG) closed at USD 97.73 on Friday, October 23, 2026, down 2.62% on the day. The US market is currently closed; this is not a live price.

The prior close was USD 100.36; the Oct 23, 2026 session ranged USD 95.93–100.16 on volume of 237,016 shares. Market capitalization is $2.07B, with a 52-week range of USD 40.52–105.98 (NMS). Source: Nexqual, retrieved October 24, 2026 at 11:32 UTC.

Also available as compact Markdown for AI agents: nexqual.com/ECPG.md

Key facts (ECPG)

• Last four reported quarters (through Jun 30, 2026): revenue $1.90B, net income $302M (15.9% margin) (SEC filings).
• Valuation: P/E 6.9x (avg 5.0x at the last 1 fiscal year-ends).
• Earnings quality: non-operating income -$325M vs operating income $717M over the last four quarters; P/E excluding non-operating income ≈3.8x (estimate: non-operating income taxed at the company's 23.1% effective rate).
• 1 of 80 tracked superinvestors hold ECPG (13F, Q2 2026): 0 new, 0 added, 1 reduced, 0 unchanged.
• Insider open-market sales, last ~7 months: 2 Form 4 filings, $1.1M; 0 not under a Rule 10b5-1 plan ($0K); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
• Analysts: Buy (mean 2.00 on a 1–5 scale) (4 analysts), mean target USD 117 (range 112–124).
• Total return with dividends: 1Y +118.2% vs S&P 500 +13.4%; 5Y +80.9% vs S&P 500 +76.9%.
• Next earnings: 2026-11-04, EPS estimate USD 3.35, revenue estimate $467M.

Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (ECPG)

Fiscal years end Dec. EPS is split-adjusted.

Valuation (price ÷ last four quarters, through Jun 30, 2026) (ECPG)

P/E 6.9x · P/E ex non-operating (est.) ≈3.8x · P/S 1.1x · P/FCF 16.6x · P/B 1.9x · FCF yield 6.04% · Earnings yield 14.55%

P/E at fiscal year-ends: Dec 2025 5.0x.

Superinvestors (SEC 13F-HR, Q2 2026) (ECPG)

1 of 80 tracked investors hold ECPG. Each row is the investor's latest 13F; change is vs their prior-quarter share count.

Insider sales (SEC Form 4, open-market, last ~7 months) (ECPG)

2 of 2 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.

% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).

Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.

Analysts (ECPG)

Consensus Buy (mean 2.00 on a 1–5 scale), 4 analysts; mean target USD 117 (low 112, high 124).

Rating changes, last 120 days:

Total return (dividends reinvested) (ECPG)

ECPG company outlook (results filed Aug 5, 2026)

• “Additionally, we now expect our EPS in 2026 to be within a range from $13.00 to $14.00 per share, even after absorbing $1.00 per share of refinancing costs in the second quarter.”
• “Our guidance for portfolio purchasing remains within a range from $1.4 billion to $1.5 billion.”

Quoted word-for-word from the SEC 8-K results press release.

ECPG analyst estimates and revisions

ECPG options: expected move

Options price a move of about ±12.8% (±$12.50) by Nov 20, 2026, which includes earnings on Nov 4, 2026. Over the last 8 reports the stock moved ±11% on average.

30-day implied volatility 56.8% vs 32.8% realized over the last 30 trading days. Put/call ratio (volume) 0.3. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.

Key Statistics (as of October 24, 2026 at 11:32 UTC)

Technical Analysis (ECPG)

Nexqual's technical model rates ECPG "SELL" based on 2 bullish and 4 bearish signals across 127 daily candles, as of October 24, 2026 at 11:32 UTC.

Analyst Ratings (ECPG)

Wall Street analysts rate ECPG "Buy" based on 4 analysts, with a mean price target of USD 117 (range USD 112–124), per Nexqual as of October 24, 2026 at 11:32 UTC.

Earnings (ECPG)

Recent Earnings History

Source: Nexqual, October 24, 2026 at 11:32 UTC.

Financials & Fundamentals (ECPG)

Source: Nexqual, October 24, 2026 at 11:32 UTC.

Financial Health Score (ECPG)

Nexqual rates Encore Capital Group, Inc.'s overall financial health "Strong" across five dimensions, as of October 24, 2026 at 11:32 UTC.

Ownership (ECPG)

Source: Nexqual, October 24, 2026 at 11:32 UTC.

Leadership (ECPG)

Encore Capital Group, Inc. is led by Ashish Masih, President, CEO & Director, per Nexqual as of October 24, 2026 at 11:32 UTC.

Major Backers & Investors (ECPG)

Notable institutional backers of Encore Capital Group, Inc. include American Century Companies Inc, Fidelity, Arrowstreet Capital, Limited Partnership, according to Nexqual as of October 24, 2026 at 11:32 UTC.

Active Investors

Index Funds (Passive)

Source: Nexqual, October 24, 2026 at 11:32 UTC.

From Encore Capital Group, Inc.'s Latest SEC 10-K Filing (filed 2026-02-25)

Key Strengths & Strategy (as disclosed to the SEC)

• We are a market leader in portfolio purchasing and recovery in the United States and one of the largest credit management services providers in Europe.
• Through Cabot Credit Management Limited and its subsidiaries and European affiliates (collectively, "Cabot") we are one of the largest credit management services providers in Europe and the United Kingdom.
• Our proprietary consumer-level collectability analysis is generally the primary determinant of whether an account is actively serviced post-purchase.
• To demonstrate our commitment to conducting business ethically, we developed our Consumer Bill of Rights.

Legal & Regulatory Risks (Item 1A, quoted)

• Our business is subject to extensive laws and regulations, which have increased and may continue to increase.
• We sometimes purchase accounts in asset classes that are subject to industry-specific and/or issuer-specific restrictions that limit the collection methods that we can use on those accounts.
• Failure to comply with government regulation could result in the suspension, termination or impairment of our ability to conduct business, may require the payment of significant fines and penalties, or require other significant expenditures.
• Compliance with this extensive regulatory framework is expensive and labor-intensive. Any of the foregoing could have an adverse effect on our business, financial condition and operating results.

Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.

Peers & Related Stocks

Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 24, 2026 at 11:32 UTC. This page is informational and not investment advice.

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