Encore Capital Group stock
ECPGNASDAQEncore Capital Group, Inc., Financial ServicesISIN US2925541029
83Score 83 out of 100, Strong
Price and trend
88 / 100
Price history
+126% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 28% above it.
Since September 2025 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 60).
The price is 13% below its 52-week high. Largest decline in 20 years: 79% (September 2008 to March 2009).
Chart figures for advanced users
- SMA 50$100.98
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$85.60
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)60
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$47.72
- The lowest closing price of the last twelve months.
- Resistance$126.17
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Encore Capital Group, Inc. belongs to the Financial (Credit Services) industry (United States) and, with a market value of $2.29B, is number 35 of 61 companies in its industry on MEQIRI.
- For fiscal 2026, analysts expect on average revenue of $1.99B (up 35.3%) and adjusted earnings per share of $16.03 (up 46.2%).
- MEQIRI Score 83 out of 100 (Strong): rank 35 of 976 in Financial Services, median 68.
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- The P/E is 7 (Financial (Credit Services) median 11.8, own median of recent years 5.9).
- Our model puts fair value at $145.16, with the price 23% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- High return on equityReturn on equity 33.7% over the last 12 months.Profitability 92
- Share buybacksShare count down 26% since 2020.Capital allocation 88
Weaknesses
None of our weakness checks flags anything. Crash risk is measured separately.
Its standout strengths are profitability and momentum.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 84 to 83.
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among smaller stocks.
From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- price up very strongly over the past year
What lowers it
- solid fundamentals
- price near its 52-week high
- stable momentum
Valuation
Valuation signal
Modestly undervaluedClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $103.69 and expensive above $241.94 (uncertainty high, based on the price swings of the past year).
The two parts of the fair value come to $104.74 (excess return model) and $185.59 (industry comparison), and the gap between them shows how uncertain the estimate is.
Calculated with a cost of equity of 9.7%. At 10.7% the fair value would be $137.53, at 8.7% it would be $155.94.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (11.8).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 32.8% on the twelve months before. Revenue has grown solidly since 2006, at about 10% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 42%, net 17%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 24 Feb 2027in 104 days
- Last reported
- 4 Nov 2026EPS reported $5.57 (expected $3.35)above expectations
Analyst estimates
Analysts have raised their 2026 earnings estimate by 18.6% since 15 Oct 2026.
- Earnings per share
- $16.03+18.6%
- Revenue
- $1.99B+4.4%
- Earnings per share
- $16.68+13.1%
- Revenue
- $2.01B+3.8%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook raised
Share price after the results: −2.6%Guidance raised: 2026 global collections up 8% to $2.8 billion, EPS up 19% to $13.
“We are raising our collections guidance and now expect global collections in 2026 to increase by 8% to $2.8 billion.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 6 May 2026 (fiscal Q1 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. 3 insiders sold, $2.25M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Encore Capital Group
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 83
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Financial (Credit Services)
The next larger and next smaller companies by market value
- NelnetNNI $4.52B58
- Enova InternationalENVA $4.19B71
- Bread Financial HoldingsBFH $3.71B78
- SLMSLM $3.18B66
- Western UnionWU $2.1B61
- Upstart HoldingsUPST $2.03B31
- Federal Agricultural MortgageAGM $1.89B67
- Hoist FinanceHOFI.ST $1.84B80
ETFs that hold Encore Capital Group
Held by 13 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Avantis Global Small Cap Value UCITS ETFAVWS | 0.15% | 0.39% | €1.47B |
| iShares MSCI USA Small Cap CTB Enhanced ESG UCITS ETFSXRG | 0.12% | 0.43% | €2.48B |
| iShares MSCI World Small Cap CTB Enhanced ESG UCITS ETFCBUG | 0.12% | 0.35% | €434.1M |
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| iShares S&P SmallCap 600 UCITS ETFIUS3 | 0.12% | 0.30% | €2.28B |
| L&G Russell 2000 US Small Cap Quality UCITS ETFETLZ | 0.09% | 0.30% | €185.82M |
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.08% | 0.30% | €2.17B |
| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.08% | 0.30% | €4.22B |
| Invesco Global Buyback Achievers UCITS ETFBBCK | 0.04% | 0.39% | €188.08M |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong, published since 7 Nov 2026 (in the score history since 27 Feb 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.