ECPG - NASDAQ
Encore Capital Group, Inc.
$78.01
-0.70%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.
At a Glance
Live SnapshotEncore Capital Group, Inc. Street Expectations Map
Wall Street analysts project that ECPG stock may experience modest gains over the coming 12 months. The consensus 1-year price target stands at 85.00, with estimates ranging from a low of 70.00 to a high of 100.00.
The consensus 1-year price target stands at 85.00, with estimates ranging from a low of 70.00 to a high of 100.00.
Analyst Consensus Analysis
Upside Potential
Moderate upside. Analysts expect positive returns but with limited margin of safety. Consider entry timing.
Analyst Agreement
Good consensus alignment. Moderate target spread reflects general agreement on value drivers with some variance in assumptions.
Risk-Reward Profile
Favorable risk-reward. Potential upside significantly exceeds downside risk, offering asymmetric return profile attractive for risk-tolerant investors.
Analyst Conviction
Positive outlook with reasonable agreement. Analysts generally optimistic about prospects with manageable uncertainty.
Market Sentiment Insight
Monitor and evaluate: Current analyst consensus suggests limited conviction or near-term catalysts. Stay informed on company developments and reassess positioning as new information emerges.
Encore Capital Group, Inc. Forward Estimates of Revenue
Forward Growth Analysis
Flat growth suggests market maturity or near-term challenges offsetting expansion efforts.
Limited coverage may indicate reduced institutional interest or information availability.
Narrow estimate range signals strong analyst consensus and predictable business outlook.
Generally favorable outlook with reasonable growth prospects and analyst support.
Encore Capital Group, Inc. Forward Estimates of Net Income
Forward Growth Analysis
Significant contraction projected—major business challenges or industry disruption likely.
Limited coverage may indicate reduced institutional interest or information availability.
Wide estimate range reveals significant forecast uncertainty and potential volatility.
Analyst skepticism evident—carefully evaluate risks before investment decisions.
Key Insight
Declining estimates with wide disagreement: Analysts projecting contraction without consensus signals significant business uncertainty—exercise caution.
Encore Capital Group, Inc. Forward Estimates of EPS
Forward Growth Analysis
Significant contraction projected—major business challenges or industry disruption likely.
Limited coverage may indicate reduced institutional interest or information availability.
Wide estimate range reveals significant forecast uncertainty and potential volatility.
Analyst skepticism evident—carefully evaluate risks before investment decisions.
Key Insight
Declining estimates with wide disagreement: Analysts projecting contraction without consensus signals significant business uncertainty—exercise caution.
Encore Capital Group, Inc. Forward Estimates of EBIT
Forward Growth Analysis
Significant contraction projected—major business challenges or industry disruption likely.
Limited coverage may indicate reduced institutional interest or information availability.
Narrow estimate range signals strong analyst consensus and predictable business outlook.
Mixed signals—some positive indicators offset by concerns about growth or uncertainty.
Key Insight
Limited coverage with volatile estimates: Few analysts covering despite significant projected changes may indicate information gaps or emerging risks.
Encore Capital Group, Inc. Forward Estimates of EBITDA
Forward Growth Analysis
Significant contraction projected—major business challenges or industry disruption likely.
Limited coverage may indicate reduced institutional interest or information availability.
Narrow estimate range signals strong analyst consensus and predictable business outlook.
Mixed signals—some positive indicators offset by concerns about growth or uncertainty.
Key Insight
Limited coverage with volatile estimates: Few analysts covering despite significant projected changes may indicate information gaps or emerging risks.
Encore Capital Group, Inc. Forward Estimates of SG&A Expense
Forward Growth Analysis
Solid growth trajectory indicates healthy business performance and competitive positioning.
Limited coverage may indicate reduced institutional interest or information availability.
Narrow estimate range signals strong analyst consensus and predictable business outlook.
Positive analyst consensus with strong growth expectations and forecast confidence.
Encore Capital Group, Inc. Insider Positioning
During the last 12 months, insiders have purchased $1.11M and sold $867K worth of ECPG shares, resulting in $245K of net buying activity.
3 Months
0
0.00
0
0.00
+0
+$0
3-6 Months
0
0.00
4.0K
240.22K
-240K
-$240K
6-9 Months
0
0.00
12.4K
627.12K
-627K
-$627K
9-12 Months
29.1K
1.11M
0
0.00
+1.1M
+$1.11M
Top Buyers
Gupta Ashwini
Director
$182K
Hannam Wendy
Director
$155K
Goings William C.
Director
$155K
Angela A. Knight
Director
$155K
Monaco Michael P
Director
$155K
Top Sellers
Bell Ryan B
Officer: President, Mcm
$490K
Yung John
Officer: President, Intl. And Cabot
$302K
Olle Laura
Director
$75K
Insider Activity Analysis
Net Insider Sentiment
Moderately bullish with $245K net buying. Insiders show cautious optimism through measured share purchases.
Buy/Sell Ratio
Positive buy/sell ratio. Buying exceeds or matches selling, indicating net positive insider sentiment.
Insider Participation
5 insider buyers vs. 3 sellers. More insiders buying than selling indicates positive sentiment.
Insider Activity Insight
Broad-based insider buying: When multiple insiders independently decide to purchase shares, it often reflects genuine confidence rather than coordinated optics. This pattern deserves attention, especially if buying followed a price decline.
Related Guides
Continue your ECPG research with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.