Encore Capital Group (ECPG) Stock: Buy, Sell, or Hold?
ECPG - Encore Capital Group, Inc.
$95.92
1.62 (1.72%)
▲
5d:
-2.53%
30d:
-0.65%
90d:
+7.16%
HOLD
MODERATE Confidence
Analysis Updated: Oct 2, 2026 12:00 AM ET
Earnings: Nov 04, 2026
Get Alerted When ECPG Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
📊 HOLD: ECPG is fairly valued with market pricing in 1.0% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: ECPG is fairly valued with market pricing in 1.0% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$125.75
Based on 6.1% avg growth
INTRINSIC VALUE TODAY
$78.08
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 6.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: ECPG is currently trading at $95.92, which is considered slightly low relative to its 30-day fair value range of $95.62 to $100.42. The stock's valuation (Forward PE: 6.6) is in line with its historical norms (6.4). At these levels, the market is pricing in 1.0% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, ECPG is in a strong uptrend. Immediate support is located at $92.83, while resistance sits at $102.32.
Market Sentiment: The stock scores a mixed 57/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $115.67 (+20.6%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, ECPG is in a strong uptrend. Immediate support is located at $92.83, while resistance sits at $102.32.
Market Sentiment: The stock scores a mixed 57/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $115.67 (+20.6%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$95.62 -
$100.42
Company Quality Score
53/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
80.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (57/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 20.6% below Wall St target ($115.67)
- NEUTRAL: Market pricing in 1.0% annual earnings growth - fairly valued
- NEUTRAL: Bottoming setup forming (57/100) — watch for confirmation
Trading Range Analysis
30-Day Trading Range
$95.62 -
$100.42
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$92.83
Resistance Level
$102.32
Current Trend
Strong Uptrend
Technical data as of
Oct 2, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.56
Wall Street Target
$115.67
(+20.6%)
Revenue Growth (YoY)
11.3%
Earnings Growth (YoY)
12.9%
Profit Margin
15.9%
Valuation Premium vs History
+1.0% premium
PE vs Historical
6.6 vs 6.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.0%
(market-implied from PE analysis)
1-Year Target
$96.88
(+1%)
2-Year Target
$97.85
(+2%)
3-Year Target
$98.83
(+3%)
3-Yr Target (if PE normalizes)
(PE: 7→6)
PE COMPRESSION
$96.40
(+1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 8.2%)
$377.34
(+293%)
Base:
(SPY PE: 6.6, Growth: 8.2%)
$121.36
(+27%)
Bear:
(PE: 5.6, Growth: 8.2%)
$103.15
(+8%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (7x PE), but valuation improves significantly next year (7x PE) as earnings recover.
Trailing PE: 7.17 | Current EPS (TTM): $13.15
Bull Case
$115.33
(+20%)
Analyst growth 11.2%, PE expands to 7.9
Base Case
$104.84
(+9%)
Market implied 11.2%, PE stable at 7.2
Bear Case
$64.12
(-33%)
Severe decline -20.0%, PE contracts to 6.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 02, 2026 11:01 PM ET
Data refreshes hourly during market hours. Next update: 12:01 AM
Data refreshes hourly during market hours. Next update: 12:01 AM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is ECPG showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
Top Rated Credit Services Stocks
Top-rated stocks in Credit Services by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
V
Visa Inc. Class A |
STRONG BUY
41 analysts |
$419 | 50 HOLD |
|
MA
Mastercard Inc |
STRONG BUY
42 analysts |
$667 | 55 HOLD |
|
COF
Capital One Financial Co… |
STRONG BUY
23 analysts |
$259 | 69 BUY |
|
PYPL
PayPal Holdings Inc |
HOLD
47 analysts |
$57 | 58 HOLD |
|
AFRM
Affirm Holdings Inc |
STRONG BUY
24 analysts |
$99 | 65 BUY |
