Encore Capital Group, Inc. (ECPG) fair value analysis

Nasdaq · Updated 2026-09-07

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.

Forward Fair Value verdict

Undervalued

Based on TickrTrends' weekly Forward Fair Value model, ECPG is trading at more than a 25% discount to estimated fair value.

ECPG currently ranks #4 of 165 Financial Services stocks by discount to Forward Fair Value. It has screened as Undervalued for 3 consecutive weekly runs.

Last price: $96.28
Sector: Financial Services
12-month range: $40.60–$96.28

Derived indicators

Coarse bands from TickrTrends' weekly models; exact figures are part of the full report.

Quality grade: D
Leverage: High
RSI zone: Neutral
50/200-day trend: Uptrend
52-week position: The top quarter of its range

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 $40.60–$96.28.
The 14-day relative strength index sits at a neutral 53.

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

See the exact fair value →

How Forward Fair Value works

TickrTrends computes a Forward Fair Value for every covered stock each week: a conservatively normalized historical price-to-earnings multiple is applied to the analyst-consensus earnings estimate for the next full fiscal year. Every input window is validated for continuity and every result is screened for plausibility before publication.

Recent ECPG news

TickrTrends' derived news-sentiment signal for ECPG is currently leaning positive, computed from recent coverage.

Encore Capital Group Inc (ECPG) Stock Up 3.8% but GF Value Says Overvalued -- GF Score: 66/100 (gurufocus.com, 2026-09-03)
TickrTrends take: Encore Capital Group's recent price movement contrasts with TickrTrends' current assessment that the stock remains undervalued, suggesting divergent views on where the company's intrinsic value lies. A GF Score of 66 indicates moderate fundamentals for the Financial Services operator, which could factor into how the market ultimately resolves this valuation disagreement. Investors focused on valuation metrics should monitor whether ECPG's fundamentals strengthen enough to justify either the undervalued thesis or close the gap between current price and fair value estimates.
Robert W. Beck Appointed to Encore Capital Group Board of Directors (manilatimes.net, 2026-08-19)
TickrTrends take: Encore Capital Group announced the appointment of Robert W. Beck to its board of directors, bringing additional leadership to the Financial Services company. Given TickrTrends' current assessment that ECPG is undervalued, investors monitoring this stock should consider how new board appointments might influence strategic direction and operational execution that could affect the company's valuation multiple going forward. The addition of board expertise may be particularly relevant for stakeholders evaluating whether the current undervaluation represents a temporary market mispricing or reflects structural challenges in the business.
Encore capital anticipates 2026 EPS of $13-$14 as it raises collections outlook to $2.8B-$2.85B (NASDAQ:ECPG) (seekingalpha.com, 2026-08-06)
TickrTrends take: Encore Capital's guidance for 2026 earnings per share in the range of $13 to $14, combined with its raised collections outlook, suggests the company anticipates substantial profitability growth over the coming years. Given that TickrTrends currently rates ECPG as undervalued within the Financial Services sector, investors focused on valuation metrics should monitor whether the company can achieve these earnings targets and how the market reprices the stock as 2026 approaches. The trajectory of collections and earnings realization will be key factors in determining whether the current undervalued assessment proves justified.

What people are saying

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TickrTrends weekly updates

2026-09-07 — No material change this week: the verdict, bands and grades all held steady.
2026-09-06 — No material change this week: the verdict, bands and grades all held steady.
2026-08-31 — TickrTrends initiated weekly Forward Fair Value coverage of this stock.

Frequently asked questions

Is ECPG stock undervalued?

Based on TickrTrends' Forward Fair Value model (updated 2026-09-07), 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 165 Financial Services stocks in TickrTrends' coverage when sorted by discount to Forward Fair Value.

Is ECPG overbought or oversold?

ECPG's 14-day RSI is in neutral territory - neither overbought nor oversold.

All Financial Services fair-value coverage →

Head-to-head comparisons

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