/ECPG
ECPG Stock - Encore Capital Group, Inc.
Financial Services|Financial - MortgagesNASDAQ
$54.52-0.02%
$0.01 (-0.02%) • Dec 19
68
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.HOLD
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.97
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).63
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.61
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+6.4%upside
Target: $58.01
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ENTRY ZONE$53.97 – $55.07
TARGET (TP)$58.00
STOP LOSS$50.16
RISK/REWARD1:0.8
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Price Chart
Financial Statements
Revenue & Profitability Trend
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Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta1.48
52W High$56.67
52W Low$26.45
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $1.32B | $1.22B | $1.40B | $1.61B | $1.50B |
| Gross Profit | $603.56M | $571.24M | $769.70M | $927.98M | $834.40M |
| Gross Margin | 45.9% | 46.7% | 55.0% | 57.5% | 55.6% |
| Operating Income | $157.33M | $16.54M | $462.17M | $633.27M | $533.56M |
| Net Income | $-139,244,000 | $-206,492,000 | $194.56M | $350.78M | $211.85M |
| Net Margin | -10.6% | -16.9% | 13.9% | 21.7% | 14.1% |
| EPS | $-5.83 | $-8.72 | $8.06 | $11.64 | $6.74 |
Company Overview
Encore Capital Group, Inc., a specialty finance company, provides debt recovery solutions and other related services for consumers across financial assets worldwide. The company purchases portfolios of defaulted consumer receivables at deep discounts to face value, as well as manages them by working with individuals as they repay their obligations and works toward financial recovery. It is also involved in the provision of early stage collection, business process outsourcing, and contingent collection services, as well as debt servicing and other portfolio management services to credit originator for non-performing loans. The company was incorporated in 1999 and is headquartered in San Diego, California.
Visit WebsiteRating Distribution
Strong Buy
0%
Buy / Outperform
2
100%
Hold / Neutral
0%
Sell / Underperform
0%
Analyst Consensus🟢 Bullish
2 Bullish0 Neutral/Bearish
Price Targets
$58
Average Target
↑ 6.4% Upside
Now
$58
Low
$58
Average
$58
High
Based on 2 analysts
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| October 17th 2024 | Northland Capital | Upgrade | Outperform | $58← $55 |
| March 28th 2023 | Janney | Upgrade | Buy | - |
| February 14th 2023 | Northland Capital | Downgrade | Market Perform | $58 |
Earnings History & Surprises
ECPGBeat Rate
61%
Last 18 quarters
Avg Surprise
+4.7%
EPS vs Estimate
Beats / Misses
11/7
Last 12 quarters
Latest EPS
$3.17
Q4 2025
EPS Surprise History
Q1 24
+2.5%
$1.25vs$1.22
Q2 24
+1.1%
$0.95vs$0.94
Q3 24
+8.1%
$1.34vs$1.24
Q4 24
-14.9%
$1.26vs$1.48
Q1 25
-3.2%
$1.50vs$1.55
Q2 25
+55.6%
$1.93vs$1.24
Q3 25
+72.9%
$2.49vs$1.44
Q4 25
+65.1%
$3.17vs$1.92
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | May 5, 2026 | — | — | — | — |
Q1 2026 | Feb 25, 2026 | $2.27 | — | — | — |
Q4 2025 | Nov 5, 2025 | $1.92 | $3.17 | +65.1% | ✓ BEAT |
Q3 2025 | Aug 6, 2025 | $1.44 | $2.49 | +72.9% | ✓ BEAT |
Q2 2025 | May 7, 2025 | $1.24 | $1.93 | +55.6% | ✓ BEAT |
Q1 2025 | Feb 26, 2025 | $1.55 | $1.50 | -3.2% | ✗ MISS |
Q4 2024 | Nov 6, 2024 | $1.48 | $1.26 | -14.9% | ✗ MISS |
Q3 2024 | Aug 7, 2024 | $1.24 | $1.34 | +8.1% | ✓ BEAT |
Q2 2024 | May 8, 2024 | $0.94 | $0.95 | +1.1% | ✓ BEAT |
Q1 2024 | Feb 21, 2024 | $1.22 | $1.25 | +2.5% | ✓ BEAT |
Q4 2023 | Nov 1, 2023 | $1.32 | $0.79 | -40.2% | ✗ MISS |
Q3 2023 | Aug 2, 2023 | $1.25 | $1.08 | -13.6% | ✗ MISS |
Q2 2023 | May 3, 2023 | $1.21 | $0.75 | -38.0% | ✗ MISS |
Q1 2023 | Feb 22, 2023 | $1.43 | $-3.11 | -317.5% | ✗ MISS |
Q4 2022 | Nov 2, 2022 | $1.78 | $1.22 | -31.5% | ✗ MISS |
Q3 2022 | Aug 3, 2022 | $2.03 | $2.29 | +12.8% | ✓ BEAT |
Q2 2022 | May 4, 2022 | $2.03 | $6.40 | +215.3% | ✓ BEAT |
Q1 2022 | Feb 23, 2022 | $2.15 | $2.53 | +17.7% | ✓ BEAT |
Q4 2021 | Nov 3, 2021 | $2.02 | $2.66 | +31.7% | ✓ BEAT |
Q3 2021 | Aug 4, 2021 | $2.07 | $3.31 | +59.9% | ✓ BEAT |
Latest News
Janney Montgomery Scott Maintains Buy on Encore Capital Gr, Raises Price Target to $62
📈 PositiveBenzinga•Nov 6, 2025, 08:47 PM
Encore Capital Group shares are trading higher after Q3 earnings and revenue beat estimates.
📈 PositiveBenzinga•Nov 6, 2025, 03:17 PM
Encore Capital Gr Q3 EPS $3.17 Beats $1.83 Estimate, Sales $460.353M Beat $410.694M Estimate
📈 PositiveBenzinga•Nov 5, 2025, 09:24 PM
Reported Earlier, Encore Capital Group Prices Upsized $500M 6.625% Senior Secured Notes Due 2031 At 100.00% Issue Price
➖ NeutralBenzinga•Sep 25, 2025, 06:49 AM
Frequently Asked Questions about ECPG
What is ECPG's current stock price?
Encore Capital Group, Inc. (ECPG) is currently trading at $54.52 per share. The stock has moved -0.02% today.
What is the analyst price target for ECPG?
The average analyst price target for ECPG is $58.00, based on 1 analyst.
What sector is Encore Capital Group, Inc. in?
Encore Capital Group, Inc. operates in the Financial Services sector, specifically within the Financial - Mortgages industry. The company is traded on the NASDAQ exchange.
What is ECPG's market cap?
Encore Capital Group, Inc. has a market capitalization of $1.22 billion, making it a small-cap company.
Does ECPG pay dividends?
No, Encore Capital Group, Inc. does not currently pay a dividend to shareholders.
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