Price (90d)
No price history yet — the daily price refresh runs once a day.
Signal Score (90d)
157Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $1.76B | $256.83M | $11.05 |
| 2024 | $1.32B | $-139.24M | $-5.83 |
| 2023 | $1.22B | $-206.49M | $-8.72 |
| 2022 | $1.40B | $194.56M | $8.06 |
| 2021 | $1.61B | $350.78M | $11.64 |
Social Signal Score
Earnings
Wed, Nov 4(in 3 months)
Consensus estimate $3.45 per share
Typical surprise +53.2% (median, so one quarter with a near-zero estimate can't distort it)
- Wed, Aug 5$2.81 vs $2.67beat
- Wed, May 6$3.86 vs $3.26beat
- Wed, Feb 25$3.37 vs $2.20beat
- Wed, Nov 5$3.17 vs $1.92beat
- Wed, Aug 6$2.49 vs $1.44beat
- Wed, May 7$1.93 vs $1.24beat
Estimates and results for ECPG via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Valuation
Project earnings forward and see what return today's price implies.
Seeded from ECPG's reported EPS growth of -1.3% a year over 4 years.
- EPS in 5 years
- $10.35
- Implied price
- $51.77
- Return from $103.74
- -13.0% a year
To earn 15.0% a year on these assumptions you'd need to buy at $25.74 — -75.2% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 1 | 3 | 5 | 7 | 9 |
|---|---|---|---|---|---|
| -11.3% | -43.3% | -29.4% | -21.8% | -16.4% | -12.0% |
| -6.3% | -40.1% | -25.4% | -17.4% | -11.6% | -7.1% |
| -1.3% | -36.9% | -21.4% | -13.0% | -6.9% | -2.1% |
| 3.7% | -33.7% | -17.4% | -8.6% | -2.2% | 2.8% |
| 8.7% | -30.5% | -13.5% | -4.2% | 2.5% | 7.8% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Mentions (4)
- Newszacks.com·4d ago·Neutral
Can Encore Capital's Raised 2026 Outlook Drive More Earnings Growth? ECPG's raised 2026 earnings and collections outlook improves visibility, while refinancing savings support growth amid cost and leverage risks.
View source ↗ - Newszacks.com·4d ago·Positive
Is ECPG a Buy Now as Cheap Valuation Meets Rising Earnings Momentum? Encore Capital???s discounted valuation and rising earnings estimates support the upside case, while debt, legal costs and U.S. concentration keep risks elevated.
View source ↗ - Newszacks.com·4d ago·Neutral
ECPG Rises 16.3% in 3 Months Amid Record Collections and Higher EPS Encore Capital's 16.3% three-month rise is backed by record collections, higher earnings expectations and a peer valuation discount, despite cost and leverage risks.
View source ↗ - Newszacks.com·5d ago·Positive
All You Need to Know About Encore Capital Group (ECPG) Rating Upgrade to Strong Buy Encore Capital Group (ECPG) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.
View source ↗