Encore Capital Group (ECPG) Q3 2026 earnings — TrendMatrix coverage
Reported
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Full disclosure · Editorial policy
Key numbers
- Adjusted EPS
- $5.57
- Estimate
- $3.35
- Surprise
- +66.4%
- Revenue (period 2026-09-30)
- $17.5M
- Score today
- 6.2/10
Revenue source: xbrl.
How the report landed
Encore Capital Group (ECPG) beat the $3.35 estimate with adjusted EPS of $5.57 — a large 66.4% upside surprise.
Where TrendMatrix's rating stands now
TrendMatrix currently rates ECPG Hold at 6.2/10; no pre/post engine snapshot brackets this report.
4 of the last 4 quarters beat the estimate; this quarter's +66.4% surprise compares with a +64.2% four-quarter average.
What supports the rating
- Sector modifier (Financial Services): +1.0
- Strong earnings beat streak (4/4)
What argues against it
- Analyst target reached - limited upside remaining
- Leverage penalty (D/E 3.9): -1.5
- Value-trap signals (2/5): High leverage (D/E 3.9), Negative free cash flow
This section and the ones below it reflect TrendMatrix’s latest engine read — they update after the report date and are not frozen to it.
The levels TrendMatrix's engine tracks
- Current price
- $99.93
- Stop
- $93.29
At 7.6× trailing and 7.5× forward earnings, consensus estimates imply little change in earnings power.
Model outputs from TrendMatrix’s engine as of 2026-11-05 — shown for context, not personalized investment advice.
ECPG at TrendMatrix's latest read
For financials, the EPS print is only half the story: credit costs, reserve builds, and rate sensitivity decide how a quarter actually lands.
- Industry
- Credit Services
- Market cap
- $2.12B
- P/E (fwd)
- 7.5
- P/E (ttm)
- 7.6
- 52-week range
- $41.10–$105.98
- Off 52-week high
- 5.7%
- RSI (14)
- 43
- Volume vs avg
- 1.37×
- Score today
- 6.2/10