Encore Capital Group, Inc. (ECPG) fair value analysis
Nasdaq · Updated 2026-10-19
ECPG price how computed
Forward Fair Value verdict
UndervaluedECPG is trading at more than a 25% discount to estimated fair value.
Based on TickrTrends' weekly Forward Fair Value model.
- Last price
- $101.68
- Sector
- Financial Services
- 12-month range
- $40.90–$105.60
- Market cap
- $2.16B
- From 52-week high
- -3.7%
- Shares outstanding
- 21.2M
- Rank in Financial Services by discount to fair value
- #4 of 167
Last price is our stored weekly price from 2026-10-16, older than the 2026-10-19 run that built this page; the chart runs through 2026-10-16.
Encore Capital Group, Inc. is a debt buyer and collector that acquires and manages portfolios of defaulted consumer debts, primarily credit card accounts and other consumer receivables. The company operates throughout the United States and internationally in select markets.
ECPG currently ranks #4 of 167 Financial Services stocks by discount to fair value. It has screened as Undervalued for 14 consecutive weekly runs.
Fundamentals (4 quarters) how computed
- Market cap
- $2.16B
- P/E (trailing)
- 8x
- Revenue (TTM)
- $1.9B
- Net margin
- 15.9%
- EPS (TTM)
- $13.37
- Gross margin
- 38.0%
- Debt / equity
- 4.52
- Revenue growth (3-yr avg)
- 19.6%
- Shares outstanding
- 21.2M
Derived indicators how computed
- Quality grade
- C
- Margin trend
- Expanding
- 52-week position
- The top quarter of its range
Technicals how computed
- RSI (14-day)
- 52 · neutral
- 50-day average
- $98.96
- 200-day average
- $80.93
- Moving-average state
- 50-day above 200-day (golden cross state); price above both averages
Earnings how computed
- Next earnings report
- 2026-11-04 (post-market)
- Last 8 quarters vs consensus
- 5 beat, 3 missed
- Quarter by quarter
- 2026-06 ▼ miss (-8.5%)
2026-03 ▲ beat (+40.6%)
2025-12 ▲ beat (+60.4%)
2025-09 ▲ beat (+65.1%)
2025-06 ▲ beat (+108.3%)
2025-03 ▲ beat (+96.0%)
2024-12 ▼ miss (-394.0%)
2024-09 ▼ miss (-11.3%)
Analyst consensus how computed
This is not TickrTrends' verdict.
- Analyst ratings
- 3 buy · 1 hold · 0 sell (4 analysts)
- Consensus lean
- Buy-leaning
- Consensus price target
- $117
- Target vs last price
- +15.1%
What our data shows for ECPG
- Our model validated 10 trailing price-to-earnings windows for ECPG, built from quarterly earnings records.
- Shares are trading in the upper third of their 12-month price range of $40.90–$105.60.
- The 14-day relative strength index sits at a neutral 52.
The exact numbers are one step away
- The precise Forward Fair Value dollar figure for ECPG
- Exact discount / premium to today's price
- The normalized historical P/E behind the estimate, and how many quarters support it
- Forward EPS input and fiscal-year basis
- Screeners and rankings across the full S&P 500 and Nasdaq universes
Forward Fair Value applies a conservatively normalized historical price-to-earnings multiple to the consensus earnings estimate for the next full fiscal year; how TickrTrends computes it.
Recent ECPG news
TickrTrends' derived news-sentiment signal for ECPG is currently leaning positive, computed from recent coverage.
- DIMENSIONAL FUND ADVISORS LP Adds Encore Capital Group Inc (ECPG) Shares -- Stock Looks 38% Overvalued on GF Value (gurufocus.com, 2026-10-15)
TickrTrends take: TickrTrends currently rates ECPG as undervalued, which contrasts with the recent assessment from Dimensional Fund Advisors' valuation model showing the stock at a 38 percent overvaluation premium. This divergence highlights the importance of monitoring which valuation methodology proves more predictive for Encore Capital Group, particularly given the Financial Services sector's sensitivity to economic cycles and regulatory changes. A valuation-focused reader should track whether ECPG's fundamentals move closer to either assessment, as large institutional purchases like Dimensional's suggest confidence that may eventually narrow this valuation gap. - Is Encore Capital Group Inc (ECPG) Overvalued After 4.7% Rally? GF Value Says Overvalued (gurufocus.com, 2026-10-13)
TickrTrends take: Encore Capital Group Inc trades in the Financial Services sector where valuation metrics can shift rapidly with credit conditions and portfolio performance. TickrTrends currently assesses ECPG as undervalued, which contrasts with the recent valuation concern raised following the stock's recent gain. Investors focused on valuation should monitor whether the company's fundamentals support either the undervalued or overvalued assessment, as disagreement between valuation frameworks typically signals either a compelling opportunity or a warning sign depending on underlying business trends. - Encore Capital Group to Announce Third Quarter 2026 Financial Results on November 4 (manilatimes.net, 2026-10-06)
TickrTrends take: Encore Capital Group operates in the Financial Services sector and is currently assessed as undervalued according to TickrTrends analysis. The company's third quarter 2026 results announcement on November 4 will provide an important opportunity for investors to evaluate whether the current undervaluation reflects genuine value or signals underlying operational concerns that warrant caution. Key metrics from the earnings report, including revenue trends and profitability measures, will help determine if the undervalued assessment remains justified or requires reassessment.
More ECPG news
- Encore Capital Group: Favorable U.S. Credit Conditions Support Growth (NASDAQ:ECPG) (seekingalpha.com, 2026-09-27)
What people are saying
Follow the ECPG conversation: Stocktwits · Reddit · X
TickrTrends weekly updates
- 2026-10-19 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-12 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-11 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-10 — TickrTrends' derived indicators for ECPG showed two improvements this week. The 50/200-day trend state shifted from mixed to uptrend, and the quality grade improved from D to C. With a current valuation verdict of undervalued, these positive indicator movements suggest strengthening technical conditions for the Financial Services sector stock.
- 2026-10-05 — ECPG's derived indicators showed a shift this week as the 50/200-day trend state moved from uptrend to mixed, reflecting reduced momentum in the price action. The Financial Services sector company remains trading at an undervalued level according to current valuation metrics. This change in trend state suggests a period of consolidation after the previous uptrend phase.
- 2026-09-28 — ECPG in the Financial Services sector has moved from a mixed trend state to an uptrend according to its 50/200-day trend indicator this week. The stock remains classified as undervalued based on current valuation metrics. This shift to uptrend conditions reflects strengthened momentum in the near-term price action relative to longer-term trends.
- 2026-09-21 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-17 — No material change this week: the verdict, bands and grades all held steady.
Frequently asked questions
Is ECPG stock undervalued?
Based on TickrTrends' Forward Fair Value model (updated 2026-10-19), ECPG is trading at more than a 25% discount to estimated fair value and screens as undervalued. The exact fair value and discount are available to subscribers.
What is ECPG's TickrTrends verdict?
ECPG's current verdict is Undervalued, refreshed with every weekly Forward Fair Value run.
How does ECPG compare to other Financial Services stocks?
ECPG ranks #4 of 167 Financial Services stocks in TickrTrends' coverage by discount to fair value.
Is ECPG overbought or oversold?
ECPG's 14-day RSI is in neutral territory - neither overbought nor oversold.
When does ECPG report earnings next?
ECPG's next earnings report is scheduled for 2026-11-04 (post-market), per the published earnings calendar.
Does ECPG usually beat earnings estimates?
Over its last 8 reported quarters ECPG beat the consensus estimate 5 times and missed 3 times, by TickrTrends' comparison of reported and estimated EPS.
What do analysts say about ECPG?
Of 4 analysts covering ECPG, 3 rate it a buy, 1 a hold and 0 a sell - buy-leaning, with a consensus price target of $117 (+15.1% versus TickrTrends' last price). This is the analyst consensus, not TickrTrends' Forward Fair Value verdict.
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