Insider buying last 90 days
No open-market insider purchases were filed for ECPG in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every ECPG insider filing, plotted on the chart in Gekko.Open ECPG in Gekko
NASDAQ: ECPG
Encore Capital (ECPG) Stock Analysis & Forecast
Oct 12 close
$100.85+1.08 (+1.1%)
Gekko Brief
AI summaryOct 12 closeEncore Capital this week draws attention mainly from analyst activity and upcoming results. One firm downgraded the stock to Hold even as five analysts are reported to rate it Buy, a split that highlights differing views on the name. Alongside this, the company confirmed its third-quarter 2026 financial results will be released on 4 November 2026 after market close, with a conference call to follow. Coverage also recalled that the stock gained 2.09% on 5 October, tied to prior strong quarterly earnings, record global collections, and raised guidance, though elevated leverage and refinancing needs were noted as an offsetting concern.
ECPG closed at $100.85, up 1.1%, sitting above both its 50-day average of $98.39 and 200-day average of $79.98, with the 50-day itself above the 200-day. The GekkoIndex reads 53.8, placing the stock in the Neutral zone, down 4.4 over five days. Gekko Fair Value stands at $105.22, putting price about 4.2% below that level.
Over the next 20 trading days, the key date is the third-quarter earnings release on 4 November 2026, after close, which falls inside that window and follows a history of 6 beats in the last 8 quarters with an average absolute reaction of 11%. Seasonality from this point has averaged +7.2% over five years, rising in 4 of them. No insider, Congress, or unusual options activity appears in the current window, leaving earnings timing and historical seasonal tendency as the main points worth noting.
Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.
Encore Capital price vs fair value
Close $100.85200-day averageGekko Fair Value $105.22
Encore Capital quick facts
- Market cap
- $2.16B
- P/E ratio
- 7.6
- Forward P/E
- 5.5
- EPS, TTM
- $13.17
- Revenue, TTM
- $1.90B
- Profit margin
- 15.9%
- Dividend yield
- —
- Beta
- 1.31
- Volume
- 183,879 avg 287,333
- 1-year return
- +134.1%
- Typical daily move
- ±2.9%
- Typical 20-day move
- ±6.3%
- 50-day average
- $98.39
- 200-day average
- $79.98
- Next earnings
- Nov 4 after close
- Shares outstanding
- 21.21M
Encore Capital swing-trade checklist
Encore Capital scores 2 supportive, 2 mixed and 1 headwind across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
2 supportive2 mixed1 headwind
- Trendsupportive
Above 50 and 200-day
Close $100.85 is above the 50-day ($98.39) and 200-day ($79.98) averages, and the 50-day is above the 200-day.
See the chart - GekkoIndexmixed
53.8, Neutral
Reading 53.8 is in the Neutral zone.
See the GekkoIndex - Fair valuemixed
4.2% below
Price is within 5% of Gekko Fair Value (4.2% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings riskheadwind
Reports in 23 days
Reports on Nov 4, 2026, 23 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+7.2% on average
From this point in the calendar, the next 20 trading days averaged +7.2% over 5 years, rising in 4 of them.
See seasonality
A description of current data, not a recommendation. How this page works
Encore Capital stock chart and price history
Encore Capital closed at $100.85 on Oct 12, 2026, +134.1% over the past year, inside a 52-week range of $39.95 to $104.98.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- +2.3%
- 3 months
- +12.6%
- 6 months
- +28.8%
- 1 year
- +134.1%
The full ECPG chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open ECPG in Gekko
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About Encore Capital
Encore Capital works in debt resolution, buying up pools of consumer debt that borrowers have stopped repaying and then working directly with those individuals to help them settle what they owe. These defaulted accounts are typically purchased at a fraction of their original face value, and the company is best known for managing this kind of post-default collection on a global scale.
Beyond purchasing and collecting on its own debt portfolios, Encore Capital also performs related work for lenders still holding non-performing loans. This includes early-stage collection efforts, outsourced business processes, collection work tied to performance outcomes, loan servicing, and other administrative tasks connected to managing troubled loan books. Its customer base centers on individual consumers with outstanding obligations, as well as the lending institutions that hand off distressed accounts.
The company traces back to 1999 and runs its headquarters out of San Diego, California. Its shares trade on the NASDAQ under the ticker ECPG.
- Listed
- NASDAQ
- Sector
- Finance
- Industry
- Finance/Rental/Leasing
- Website
- encorecapital.com
Encore Capital GekkoIndex: the smart money zone
Encore Capital’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 53.8, in the Neutral zone, down 4.4 points over five sessions.
53.8Neutral
Down 4.4 points over five sessions.
Reading for Oct 12, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 18 | +0.1% | −1.1% | ||
| Accumulation | 172 | +1.3% | +5.2% | ||
| Neutral (current zone) | 450 | +0.5% | +2.0% | ||
| Distribution | 35 | +0.3% | +0.4% | ||
| Selling | 7 | Too few readings yet | |||
Average ECPG share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Neutral readings averaged +1.1% over 20 days. Past behaviour doesn’t guarantee future results.
Neutral zone: No clear directional signal. About the five zones →
See every daily GekkoIndex reading plotted over the ECPG price, zone by zone.Track ECPG in Gekko
Is Encore Capital stock overvalued? Gekko Fair Value
Encore Capital trades 4.2% below Gekko Fair Value of $105.22, so the shares are about fair value on Gekko’s estimate.
Gekko’s own estimate of what Encore Capital shares are worth, recalculated every trading day.
$105.22
Gekko Fair Value, Oct 10, 2026
4.2% below fair value · About fair value
At the end of Aug 2026 the price was 10.3% below the estimate.
Gekko Fair ValueShare price, month end
Gekko Fair Value on every chart, with the gap to price updating daily.Open ECPG in Gekko
Encore Capital insider and Congress trading
No open-market insider purchases were filed for Encore Capital, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in ECPG were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for ECPG, plotted on the chart in Gekko.Open ECPG in Gekko
Buybacks
Encore Capital has been buying back its own shares.
- Bought back, quarter ended Jun 30, 2026
- $26.94M
- As a share of market cap
- 1.25%
- Trailing four quarters
- $112.2M
From company filings.
Encore Capital earnings: next date and track record
Encore Capital reports on Nov 4, 2026, after the close (23 days away), and beat the EPS estimate in 6 of its last 8 reports.
Next earnings report
Nov 4, 2026
Expected after the close, 23 days away
- EPS estimate
- $3.35
- Revenue estimate
- $466.8M
6 of 8reports beat the EPS estimate
±11%average move across the report
6 of 8reports followed by a gain
Share-price move across each report
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Aug 5, 2026 | $2.81 est $2.67 | $491.9M est $455.1M | +2.4% |
| May 6, 2026 | $3.91 est $2.78 | $475.4M est $446.3M | −2.6% |
| Feb 25, 2026 | $3.37 est $2.20 | $473.6M est $422.2M | +10.2% |
| Nov 5, 2025 | $3.17 est $1.92 | $460.4M est $423.1M | +14.9% |
| Aug 6, 2025 | $2.49 est $1.44 | $442.1M est $393.3M | +7.6% |
| May 7, 2025 | $1.93 est $1.24 | $392.8M est $374.5M | +23.5% |
| Feb 26, 2025 | $1.50 est $1.55 | $265.6M est $373.4M | −21.9% |
| Nov 6, 2024 | $1.26 est $1.48 | $367.1M est $373.4M | +4.9% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Encore Capital stock forecast and analyst price targets
Analysts’ average 12-month price target for Encore Capital is $115.67, +14.7% from the last close, from 2 firms rating the stock in the last 90 days.
$115.67consensus 12-month target, +14.7% from the last close
Now $100.85Avg $115.67
Low $112High $120
Each firm’s latest rating in the last 90 days: 2 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Aug 6 | Truist Financial | $112 | +11.1% |
| Aug 6 | Northland Securities | $120 | +19.0% |
+2.0%average 20-day move after past Neutral readings
+7.2%average move over the next 20 trading days in the last 5 years
±2.9%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Encore Capital seasonality: the next 20 trading days
Over the next 20 trading days from Oct 10, Encore Capital averaged +7.2% across the last 5 years, rising in 4 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +0.5% | 3 of 5 |
| Next 10 trading days | −0.3% | 4 of 5 |
| Next 15 trading days | −0.9% | 3 of 5 |
| Next 20 trading days | +7.2% | 4 of 5 |
| Next 30 trading days | +7.6% | 4 of 5 |
For scale, ECPG’s typical 20-trading-day move in either direction is about 6.3%.
Encore Capital market cap and key statistics
Encore Capital’s market cap is $2.16B, with a P/E ratio of 7.6 and revenue of $1.90B over the last twelve months.
Valuation
- Market cap
- $2.16B
- P/E ratio
- 7.6
- Forward P/E
- 5.5
- EPS, TTM
- $13.17
- Gekko Fair Value
- $105.22
Trading
- Volume
- 183,879
- Avg volume, 20 days
- 287,333
- 52-week high
- $104.98
- 52-week low
- $39.95
- Shares outstanding
- 21.21M
Financials
- Revenue, TTM
- $1.90B
- Profit margin
- 15.9%
- Return on equity
- 30.5%
- Quarterly earnings growth, YoY
- +12.9%
Risk and income
- Beta
- 1.31
- Typical daily move
- ±2.9%
- Typical 20-day move
- ±6.3%
Encore Capital stock news this week
Coverage of Encore Capital this week reads neutral: 4 positive, 5 neutral and 1 negative headlines.
- Understanding the Setup: (ECPG) and Scalable RiskStock Traders Daily, Oct 11
- Encore Capital Group Q3 2026 Earnings Date and EstimatesMarketBeat, Oct 9
- Zacks downgrades Encore Capital while five analysts rate Encore Capital Group stock BuyAD HOC NEWS, Oct 8
- Encore Capital Group (NASDAQ:ECPG) Downgraded by Zacks Research to HoldMarketBeat, Oct 7
- The public can hear Encore Capital discuss its third-quarter results live at 2 p.m. Pacific on Nov. 4.Stock Titan, Oct 7
- Encore Capital Group to Announce Third Quarter 2026 Financial Results on November 4Yahoo Finance, Oct 7
Encore Capital peers
Encore Capital’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| VVisa | Neutral | 0.1% below |
| MAMastercard | Neutral | 2.4% below |
| AXPAmerican Express | Accumulation | 9.3% below |
| COFCapital One Financial | Neutral | 12.1% below |
| URIUnited Rentals | Neutral | 7.5% below |
| RKTRocket Companies | Accumulation | 25.9% below |
A peer links to its own page where one exists.
Encore Capital stock FAQ
What is Encore Capital’s market cap?
Encore Capital’s market cap is $2.16B at the Oct 12, 2026 close of $100.85, with 21.21M shares outstanding. The shares trade on a P/E ratio of 7.6.
What is the Encore Capital stock forecast?
The consensus analyst 12-month price target for Encore Capital is $115.67, +14.7% from the last close. Of the 2 firms that rated the stock in the last 90 days, 2 rate it a buy, 0 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is Encore Capital stock overvalued or undervalued?
On Gekko’s estimate Encore Capital is about fair value: the Oct 12, 2026 close of $100.85 is 4.2% below Gekko Fair Value of $105.22. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Encore Capital report earnings next?
Encore Capital is expected to report on Nov 4, 2026, after the market closes (23 days away). Analysts expect earnings of $3.35 per share on revenue of $466.8M. Encore Capital beat the earnings estimate in 6 of its last 8 reports, moving 11% on average across the report.
What is Encore Capital’s 52-week high and low?
Encore Capital’s 52-week high is $104.98 and its 52-week low is $39.95; it closed at $100.85 on Oct 12, 2026, +134.1% over the past year.
Is Encore Capital stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 2 of the 5 items with data read as supportive (trend and seasonality), 2 as mixed (gekkoindex and fair value) and 1 as a headwind (earnings risk). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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