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ECPG

Encore Capital GroupA
Nasdaq / Financial Services
Last Price
At close
2026-06-02
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
Momentum
What changed
Momentum remains the lead driver in the composite, 7D delta -12.6.
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
77
Value
61
Sentiment
54
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $82.50 · Bull $90.00 · Bear $66.00
Data freshness
Prices
As of 2026-06-02
Fundamentals
As of 2026-06-01 • Vendor: Data Vendor v1
Scores
As of 2026-06-02 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-29 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-06-02
Supporting evidence
What
Grade A · Constructive
Confidence Medium · Net Neutral
Target $82.67
Why
Momentum77 · Δ7d -12.6
Value61 · Δ7d -0.3
Sentiment54 · Δ7d +2.7
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Momentum · See technicals
Momentum
77
34% active weight
Current posture
7d trendSoftening
Δ7d
-12.6
Δ21d
-11.5
Value
61
32% active weight
Current posture
7d trendFlat
Δ7d
-0.3
Δ21d
-0.1
Sentiment
54
33% active weight
Current posture
7d trendImproving
Δ7d
+2.7
Δ21d
+6.7
Why this grade

Composite grade A. Momentum 77.4 / Value 61.2 / Sentiment 53.8

Fundamentals (TTM)
As of 2026-06-01
Market Cap
$1.68B
Beta
1.41
Shares Out
22.3M
P/E (TTM) · Derived
6.8
P/S (TTM)
0.81
P/FCF (TTM)
9.58
Rev YoY
+25.4%
EPS YoY
+152.8%
Gross Margin
+79.1%
Op Margin
+19.9%
Net Debt
$3.47B
Current Ratio
-
As of 2026-06-02 • Updated nightlySource: Internal modelMethodology