Encore Capital Group Inc (ECPG) Stock Analysis
Financial Services · Credit Services
Sell if holding. Analyst target reached at $81.20 — A.R:R 0.1:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Leverage penalty (D/E 4.2): -1.5.
Encore Capital Group is an international specialty finance company purchasing defaulted consumer receivables at deep discounts and collecting on them through MCM (U.S. market leader) and Cabot Credit Management (one of Europe's largest credit management providers). Revenue... Read more
Sell if holding. Analyst target reached at $81.20 — A.R:R 0.1:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Leverage penalty (D/E 4.2): -1.5. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Score 6.4/10, moderate confidence.
Passes 4/7 gates (clean insider activity, no SEC red flags, news events none recent, semi cycle peak clear). Fails on weak momentum and favorable risk/reward ratio and earnings proximity 6d<=7d. Suitability: aggressive.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- MEDIUMSupplierfew large sellers10-K Item 1A: 'A significant percentage of our portfolio purchases for any given fiscal quarter or year may be concentrated with a few large sellers'
Material Events(8-K, last 90d)
- 2026-03-20Item 5.02LOWWendy Hannam will not stand for re-election as Encore Capital director at the 2026 Annual Meeting of Stockholders. She will continue to serve until the Annual Meeting. Her decision was not the result of any disagreement.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
1 floor-breaker
Momentum below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Analyst target reached at $81.20 — A.R:R 0.1:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Leverage penalty (D/E 4.2): -1.5. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Prior stop was $76.10. Score 6.4/10, moderate confidence.
Take-profit target: $82.17 (+1.6% upside). Prior stop was $76.10. Stop-loss: $76.10.
Analyst target reached - limited upside remaining; Leverage penalty (D/E 4.2): -1.5; Earnings in 6 days (event risk).
Encore Capital Group Inc trades at a P/E of 7.5 (forward 6.1). TrendMatrix value score: 8.4/10. Verdict: Sell.
10 analysts cover ECPG with a consensus score of 4.0/5. Average price target: $97.
What does Encore Capital Group Inc do?Encore Capital Group is an international specialty finance company purchasing defaulted consumer receivables at deep...
Encore Capital Group is an international specialty finance company purchasing defaulted consumer receivables at deep discounts and collecting on them through MCM (U.S. market leader) and Cabot Credit Management (one of Europe's largest credit management providers). Revenue derives from collections on purchased receivable portfolios net of purchasing costs.