Nama's AI scorecard currently rates Encore Capital Group Buy (7.8 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.

What is ECPG's P/E ratio?

Encore Capital Group trades at a trailing price-to-earnings ratio of 6.8.

When does ECPG report earnings?

Encore Capital Group's next scheduled report is on Feb 24, 2027. Analysts expect EPS of $3.51.

What is the ECPG price target?

The median analyst price target from 3 analysts is $115.00, with a range of $112.00 – $124.00.

Is ECPG Shariah compliant?

Nama's AAOIFI-style screen reads Encore Capital Group as Not Shariah Compliant. At least one of the three ratios or the industry test failed.

Nama Insights

Encore Capital Group (ECPG)

Financial Services · Credit Services · NASDAQ

Encore Capital Group (ECPG) is a Financial Services company in the Credit Services industry. It has a market capitalization of $2.38B and a trailing price-to-earnings ratio of 6.8. Over the most recent reported fiscal year, revenue grew 34.4%. Nama's AI scorecard rates it Buy, 7.8 out of 10. On 12-month momentum it ranks in the leading band of its market.

AI scorecard

Buy · 7.8/10

Clearly positive, short of the top band. As of Nov 7, 2026.

Momentum

Leading · +110.2% over 12 months ex. last

Top 20% of its market on the past year's steady rise.

Shariah screen

Not Shariah Compliant

At least one of the three ratios or the industry test failed.

Off its high

-9.9%

How far the last close sits under the highest price of the past five years.

Market cap	$2.38B
Trailing P/E	6.8
Price / book	2.2
Price / sales	1.3
FCF yield	—
Dividend yield	—
Gross margin	55.4%
Operating margin	37.7%
Net margin	15.9%
Revenue growth (YoY)	+34.4%
Revenue growth (3-yr annual)	+8.2%
EPS growth (YoY)	—
FCF/share growth (YoY)	—
Beta	1.3
Exchange	NASDAQ
Sector	Financial Services
Industry	Credit Services

ECPG earnings

Next report: Feb 24, 2027 (Q4 2026, EPS estimate $3.51). Beat the EPS estimate in 4 of 4 recent quarters.

Quarter	Reported	EPS	Estimate	Surprise	Revenue
Q3 2026	Nov 4, 2026	$5.57	$3.35	+66.3%	$544.54M
Q2 2026	Aug 5, 2026	$3.95	$2.62	+50.8%	$491.87M
Q1 2026	May 6, 2026	$3.91	$2.78	+40.6%	$475.41M
Q4 2025	Feb 25, 2026	$3.48	$1.75	+98.9%	$473.55M

ECPG analyst price target

Median target $115.00 from 3 analysts, ranging $112.00 – $124.00.

Credit Services peers

Ticker	Company	Market cap	P/E
V	Visa	$789.94B	31.8
MA	Mastercard	$568.62B	33.1
AXP	American Express	$215.24B	18.1
COF	Capital One Financial	$121.43B	9.7
PYPL	PayPal	$49.21B	11.0
SYF	Synchrony Financial	$23.99B	7.6
AFRM	Affirm	$22.98B	9.7
SOFI	SoFi Technologies	$21.02B	30.0

Explore live ECPG data on Nama Insights →

ECPG FAQ

Is ECPG a buy?: Nama's AI scorecard currently rates Encore Capital Group Buy (7.8 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.
What is ECPG's P/E ratio?: Encore Capital Group trades at a trailing price-to-earnings ratio of 6.8.
When does ECPG report earnings?: Encore Capital Group's next scheduled report is on Feb 24, 2027. Analysts expect EPS of $3.51.
What is the ECPG price target?: The median analyst price target from 3 analysts is $115.00, with a range of $112.00 – $124.00.
Is ECPG Shariah compliant?: Nama's AAOIFI-style screen reads Encore Capital Group as Not Shariah Compliant. At least one of the three ratios or the industry test failed.