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ECPG

Encore Capital GroupA
Nasdaq / Financial Services
Last Price
At close
2026-07-20
View Chart
Current thesis
The bull case is that Encore's recent collections and operating cash flow remain resilient enough to support earnings while the new 2032 notes reduce near-term refinancing pressure. The Q1 filing supports recent cash-generation strength, but the evidence is still more confirmatory than forward-looking.
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +0.2.
What can break
The $750.0 million 6.625% senior secured notes due 2032 increase fixed financing burden and keep secured leverage prominent in the equity story. [#8-K-2026-05-26]
Momentum
83
Value
61
Sentiment
45
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $82.50 · Bull $90.00 · Bear $66.00
Data freshness
Prices
As of 2026-07-20
Fundamentals
As of 2026-07-20 • Vendor: Data Vendor v1
Scores
As of 2026-07-20 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-29 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-07-20
Supporting evidence
What
Grade A · Constructive
Confidence Medium · Net Neutral
Target $113.33
Why
Momentum83 · Δ7d -2.2
Value61 · Δ7d +0.2
Sentiment45 · Δ7d -1.7
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Value · See fundamentals
Momentum
83
26% active weight
Current posture
7d trendFlat
Δ7d
-2.2
Δ21d
+3.5
Value
61
39% active weight
Current posture
7d trendFlat
Δ7d
+0.2
Δ21d
+0.4
Sentiment
45
34% active weight
Current posture
7d trendSoftening
Δ7d
-1.7
Δ21d
-2.3
Why this grade

Composite grade A. Momentum 82.8 / Value 61.1 / Sentiment 45.4

Fundamentals (TTM)
As of 2026-07-20
Market Cap
$1.9B
Beta
1.41
Shares Out
21.44M
P/E (TTM) · Derived
8.0
P/S (TTM)
0.81
P/FCF (TTM)
9.58
Rev YoY
+20.7%
EPS YoY
+100.4%
Gross Margin
+70.8%
Op Margin
+19.9%
Net Debt
$3.91B
Current Ratio
1.18
As of 2026-07-20 • Updated nightlySource: Internal modelMethodology