Encore Capital Group Inc (ECPG)

Encore Capital Group, Inc. is a specialty finance company listed on the NASDAQ under the ticker ECPG. Through its consumer finance operations, the company focuses on debt recovery solutions and related services for consumers around the world. Its core activities include purchasing portfolios of defaulted consumer receivables at a discount and managing those accounts as individuals work to repay outstanding obligations. Encore Capital Group also provides debt servicing capabilities, including early-stage collections, business process outsourcing, contingent collection services, and credit management services. In addition, it performs debt servicing and portfolio management services for credit originators of non-performing loans. Incorporated in 1999, the company is headquartered in San Diego, California.


Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Dividend Yield P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Free Cash Flow / Net Income
NASDAQ-ECPG
$105.85
8.3% Upside
Fair
$117
19.7% Upside
Undervalued
Great
0.0%
6.9x
1.9x
1.1x
2.073 B
6.076 B
66.9%
97.0%
2.5
41.5%
Valuation • Fair Value

Encore Capital Group Inc (NASDAQ-ECPG) Fair Value by Valuation Model

Review the available estimates for Encore Capital Group Inc (NASDAQ-ECPG), including DCF Fair Value, Ben Graham Formula Value, EPV Fair Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$105.85

Estimated upside of 8.3% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

$114.98

Discounted cash flow valuation reference.

Ben Graham Formula Value

$157.76

Classic Ben Graham valuation formula reference.

EPV Fair Value

$52.71

Earnings power value estimate.

Comps Fair Value

$108.62

Comparable-company valuation reference.

Analyst Price Target

$117

Analysts imply upside of 19.7%.

How to read these valuation models

Use the 7 available valuation references for Encore Capital Group Inc (NASDAQ-ECPG) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Encore Capital Group Inc (NASDAQ-ECPG)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

1.901 B

Current operating scale indicator.

Revenue Forecast

1.91 B

Forward revenue estimate.

EBITDA

745.5 M

Current operating profitability reference.

EBITDA Forecast

746.6 M

Forward operating profitability estimate.

How to read profitability and growth

This section helps investors review Encore Capital Group Inc (NASDAQ-ECPG) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Encore Capital Group Inc (NASDAQ-ECPG)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Great

Positive financial-health read.

Piotroski Score

7

Relatively strong quality score.

Beneish M-Score

-2.26

No elevated caution signal from this screen.

Altman Z-Score

2.5

Intermediate risk zone.

FCF / Net Income

41.5%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Encore Capital Group Inc (NASDAQ-ECPG). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Dividend Profile for Encore Capital Group Inc (NASDAQ-ECPG)

Review the dividend metrics currently supported by the latest data.

Dividend Yield

0.0%

No current dividend yield is indicated.

How to read events and dividends

The latest data indicates no current dividend yield for Encore Capital Group Inc (NASDAQ-ECPG). No upcoming dividend amount or event date is currently available.

Stock Forecast • Technical Outlook

Encore Capital Group Inc (NASDAQ-ECPG) Stock Forecast & Technical Outlook

Review Encore Capital Group Inc (NASDAQ-ECPG) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Neutral

The 15-minute technical read for Encore Capital Group Inc (NASDAQ-ECPG) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Sell

The 1-hour technical read for Encore Capital Group Inc (NASDAQ-ECPG) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Sell

The daily technical read for Encore Capital Group Inc (NASDAQ-ECPG) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Encore Capital Group Inc (NASDAQ-ECPG) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Encore Capital Group Inc (NASDAQ-ECPG) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Encore Capital Group Inc (NASDAQ-ECPG)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Buy

Based on the available recommendation mix, Encore Capital Group Inc (NASDAQ-ECPG) has a Buy consensus, with 2 buy, 1 hold and 0 sell recommendations in the current data set.

Buy 2
Hold 1
Sell 0
FAQ • Fast Investor Answers

Encore Capital Group Inc (NASDAQ-ECPG) Stock FAQ

Data-supported answers about Encore Capital Group Inc (NASDAQ-ECPG), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$105.85
Estimated upside 8.3%
Valuation Rating
Undervalued
Estimated upside of 8.3%
Analyst Target
$117
Implied upside 19.7%
Financial Health
Great
Current financial-health read

The current fair value estimate for Encore Capital Group Inc (NASDAQ-ECPG) is $105.85. This implies an estimated upside of 8.3% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 8.3% versus the current market price.

The available analyst price target for Encore Capital Group Inc (NASDAQ-ECPG) is $117. The analyst target implies estimated upside of 19.7%.

The current financial health read for Encore Capital Group Inc (NASDAQ-ECPG) is Great. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The latest available data indicates no current dividend yield for Encore Capital Group Inc (NASDAQ-ECPG).

The current P/E ratio listed for Encore Capital Group Inc (NASDAQ-ECPG) is 6.9x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Encore Capital Group Inc is 2.073 B.

The current enterprise value listed for Encore Capital Group Inc is 6.076 B. Enterprise value can provide a broader valuation view than market capitalization alone because it also considers net debt.

The ticker symbol for Encore Capital Group Inc is NASDAQ-ECPG, and the stock is listed on NASDAQ.

Encore Capital Group Inc (NASDAQ-ECPG) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for Encore Capital Group Inc is 66.9%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Encore Capital Group Inc is 97.0%. Free float helps investors understand how much of the share base is available for public trading.