Encore Capital Group, Inc. (ECPG) Price Target Analysis
Wall Street analyst price targets, ratings consensus & upside potential · Updated May 1, 2026
Current Price
$84.24
Price Target
$85.00
Target Range
$70.00 — $100.00
Analyst Rating
Buy
Forward P/E7.0x
Trailing P/E7.7x
Forward PEG0.68
Implied Growth+6.2%
Median Target$85.00
Analyst Spread35.3%
Price Forecast (1 Year)
Last 12 months price action with 12-month analyst target path
Bear Case
$70
-16.9%
Consensus
$85
+0.9%
Bull Case
$100
+18.7%
ECPG Price Target Analysis
Updated May 7, 2026As of May 7, 2026, Encore Capital Group, Inc. (ECPG) has a Wall Street consensus price target of $85.00, based on estimates from 15 covering analysts. With the stock currently trading at $84.24, this represents a potential upside of +0.9%. The company has a market capitalization of $1.80B.
Analyst price targets range from a low of $70.00 to a high of $100.00, representing a 35% spread in expectations. The median target of $85.00 aligns closely with the consensus average.
The current analyst consensus rating is Buy, with 12 analysts rating the stock as a Buy or Strong Buy,3 rating it Hold, and 0 rating it Sell or Strong Sell. This overwhelmingly bullish sentiment suggests analysts see significant catalysts for upside ahead.
From a valuation perspective, ECPG trades at a trailing P/E of 7.7x and forward P/E of 7.0x. The forward PEG ratio of 0.68 suggests the stock may be undervalued relative to its growth. Analysts expect EPS to grow +6.2% over the next year.
Investment Context: Price targets represent analyst expectations for the next 12 months and should be considered alongside your own research. Targets are based on analysts' assumptions about earnings growth, margins, and market conditions which may change. For sector-specific context, view other Financial Services stocks.
Analyst Sentiment Comparison
Industry Peer AnalysisAvg Peer Upside+19.2%
Avg Forward P/E14.6x
Peers with Coverage9 / 10
| Company | Market Cap | Price | Target | Upside | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 PRAProAssurance Corporation | $1.3B | $24.60 | $18.33 | -25.5% | Hold | 21.8x | 11 |
 PRAAPRA Group, Inc. | $819M | $21.29 | $26.00 | +22.1% | Hold | 26.4x | 13 |
 FCFSFirstCash Holdings, Inc | $10.0B | $226.38 | $252.00 | +11.3% | Hold | 21.0x | 19 |
 RMRegional Management Corp. | $329M | $34.97 | — | — | Hold | 6.3x | 15 |
 SLMSLM Corporation | $4.5B | $22.53 | $29.50 | +30.9% | Buy | 7.2x | 25 |
 CACCCredit Acceptance Corporation | $5.6B | $539.93 | $540.00 | +0.0% | Hold | 11.7x | 18 |
 ALLYAlly Financial Inc. | $13.7B | $44.30 | $53.33 | +20.4% | Buy | 8.3x | 38 |
 COFCapital One Financial Corporation | $119.7B | $193.40 | $267.18 | +38.1% | Buy | 9.8x | 56 |
 SYFSynchrony Financial | $26.1B | $75.15 | $90.55 | +20.5% | Buy | 8.1x | 41 |
 FICOFair Isaac Corporation | $24.7B | $1067.00 | $1649.11 | +54.6% | Buy | 25.0x | 18 |
Upside Potential Comparison
FICOCOFSLMPRAASYFALLYFCFSCACCSee ECPG's True Return
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Start ComparisonECPG — Frequently Asked Questions
Quick answers to the most common questions about buying ECPG stock.
What is the ECPG stock price target for 2026?
The consensus price target for ECPG is $85, close to the current price of $84.24 (0.9% implied move). Based on 15 analyst estimates, the stock appears fairly valued near current levels.
Is ECPG a buy, sell, or hold?
ECPG has a consensus rating of "Buy" based on 15 Wall Street analysts. The rating breakdown is predominantly bullish, with 12 Buy/Strong Buy ratings. The consensus 12-month price target of $85 implies 0.9% upside from current levels.
Is ECPG stock overvalued or undervalued?
With a forward P/E of 7.0332x, ECPG trades at a relatively low valuation. The consensus target of $85 implies 0.9% appreciation, suggesting the market may be pricing in risks.
How high can ECPG stock go?
The most bullish Wall Street analyst has a price target of $100 for ECPG, while the most conservative target is $70. The consensus of $85 represents the median expectation. These targets typically reflect 12-month expectations.
How many analysts cover ECPG stock?
ECPG is well covered by analysts, with 15 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 12 have Buy ratings, 3 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
What is the ECPG stock forecast?
The 12-month ECPG stock forecast based on 15 Wall Street analysts shows a consensus price target of $85, with estimates ranging from $70 (bear case) to $100 (bull case). The median consensus rating is "Buy".
What is ECPG's forward P/E ratio?
ECPG trades at a forward P/E ratio of 7.0x based on next-twelve-months earnings estimates compared to a trailing P/E of 7.7x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Should I buy ECPG stock?
ECPG appears fairly valued according to analysts, with a "Buy" rating and minimal upside to the $85 target. Consider your investment thesis and risk tolerance. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
Why do ECPG price targets vary so much?
ECPG analyst price targets range from $70 to $100, a 35% moderate spread showing some variance in outlooks. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $85 consensus represents the middle ground.