Logo Encore Capital Group, Inc.

Encore Capital Group, Inc. (ECPG) stock: analyst price target and their real reliability

Live quote · data updated Aug 28, 2026
Encore Capital Group, Inc. · Financials · ref. ETF XLF · 50 calls · price $101.98
🏆JPI 2026 portfoliosSee tracking →
What the company does: Encore Capital Group, Inc., a specialty finance company, provides debt recovery solutions and other related services for consumers across financial assets worldwide.

📈 Encore Capital Group, Inc. (ECPG) stock price

$101.98+146.2% over range
Aug 28, 25low $40.53 · high $103.74Aug 27, 26
📏 Click 2 points (left → right) to measure the change · click again to clear.
SellBuy
Buy
100% recommend buying · 2 analysts
📊 JPI status : Encore Capital Group, Inc. is no longer in our current JPI rankings, but appeared in the past (2021) — its upside may be behind it. See the stocks picked in 2021 →

🎯 ECPG price target & analyst consensusprice $102

The price target · all analysts combined (2 targets)
Highest target · 2 firms of 2$115+12.8%
Median target · of 2 targets$113.5+11.3%
Lowest target · 2 firms of 2$112+9.8%
Current price$101.98
⭐ What the most reliable analysts say · those who beat their sector, targets replayed on real prices

⭐ The most reliable of them, either direction: Truist Securities71% of its targets hit on this sector (58 calls tested). It aims for $112 (+9.8 %), call made on August 7, 2026, maturing on August 7, 2027 (21 d ago).

The 1 reliable analyst $112+9.8 %
The 1 other firm $115+13 %
How to read it: the 1 reliable firms are not filtered by optimism — 1 aim above the price, 0 below, hence their $112 median. “The 1 others” are the firms that don't pass our reliability filter on this sector.
The consensus · 2 ratings (last 6 months)
Strong Buy00%
Buy2100%
Hold00%
Sell00%
Strong Sell00%
Go deeper on the analysts
All analysts (the consensus)  ·  vs  ·  the best (those who've been right)
💬 A question about Encore Capital Group, Inc.? The JPI assistant answers using our backtest data.

🔎 Detailed analyses

✅ Historical analyst reliability on ECPG

Hit rate measured on targets already matured (12 months), replayed against real prices. Click a header to sort.

Firm % right i Gain vs sector i Calls i
Oppenheimer  75% +25.9% 4
Truist Securities  67% +20.2% 3
Janney Montgomery Scott 50% +27.6% 2
Citigroup  50% +26.5% 2
Northland Capital Markets  40% -0.9% 5
JMP Securities 15% -11.7% 13
Macquarie  0% -36.9% 2

📊 What $1,000 invested in Encore Capital Group, Inc. would be worth › open the full page

In short — $1,000 invested in Encore Capital Group, Inc. 10 years ago would be worth $3,081 today, i.e. +12%/yr on average. Best year: 2021 (+59%), worst: 2018 (-44%). Price performance, excluding dividends.

If I'd invested $1,000 in Encore Capital Group, Inc.

InvestmentWorth todayGain
1 years ago$1,875+88%
3 years ago$1,869+87%
5 years ago$2,300+130%
→ See Encore Capital Group, Inc.'s full return history + gain calculator

Return by year (Encore Capital Group, Inc.)

YearReturn$1,000 invested at year start
2026 (YTD)+65%$1,648 (+65%)
2025+14%$1,875 (+88%)
2024-6%$1,765 (+77%)
→ See Encore Capital Group, Inc.'s full return history + gain calculator
⚠️ Past performance, not predictive nor advice. Prices in $, excluding dividends. Yahoo Finance data.

📰 Recent news on Encore Capital Group, Inc.

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📋 All analyst calls on ECPG

▲ Buy · 🎯$112
Price at call : $100.2 — upside +12%
Today : $101.98 — upside +10%
🎯 on ECPG : 67% (3 calls matureds) · 📊 on Finance : 41.4% · -1.7% (58 calls)
in progress (365j)
matures : Aug 6, 27
Citizens
Jun 17, 26
▲ Market Outperform · 🎯$115
Price at call : $83.05 — upside +38%
Today : $101.98 — upside +13%
🎯 on ECPG : no call matured yet · 📊 unranked overall
in progress (365j)
matures : Jun 17, 27
Citizens
May 7, 26
▲ Market Outperform · 🎯$108
Price at call : $83.88 — upside +29%
Today : $101.98 — upside +6%
🎯 on ECPG : no call matured yet · 📊 unranked overall
in progress (365j)
matures : May 7, 27
▲ Buy · 🎯$105
Price at call : $83.88 — upside +25%
Today : $101.98 — upside +3%
🎯 on ECPG : 67% (3 calls matureds) · 📊 on Finance : 41.4% · -1.7% (58 calls)
in progress (365j)
matures : May 7, 27
Citizens
Feb 26, 26
▲ Market Outperform · 🎯$90
Price at call : $68.29 — upside +32%
Today : $101.98 — upside -12%
🎯 on ECPG : no call matured yet · 📊 unranked overall
in progress (365j)
matures : Feb 26, 27
▲ Buy · 🎯$80
Price at call : $63.94 — upside +25%
Today : $101.98 — upside -22%
🎯 on ECPG : 67% (3 calls matureds) · 📊 on Finance : 41.4% · -1.7% (58 calls)
in progress (365j)
matures : Feb 26, 27
Citizens
Jan 20, 26
▲ Market Outperform · 🎯$75
Price at call : $55.15 — upside +36%
Today : $101.98 — upside -26%
🎯 on ECPG : no call matured yet · 📊 unranked overall
in progress (365j)
matures : Jan 20, 27
▲ Buy · 🎯$62
Price at call : $47.31 — upside +31%
Today : $101.98 — upside -39%
🎯 on ECPG : 50% (2 calls matureds) · 📊 on Finance : 44.1% · -3.6% (34 calls)
in progress (365j)
matures : Nov 6, 26
See the other 42 calls, newest to oldest
▲ Buy · 🎯$57
Price at call : $38.95 — upside +46%
Today : $101.98 — upside -44%
Expected +46% · Actual +75% · Reason (≥ +15%) : ✓ Yes
🎯 on ECPG : 67% (3 calls matureds) · 📊 on Finance : 41.4% · -1.7% (58 calls)
+75.3%
stock +75% · XLF +1%
matured Feb 27, 26
▲ Outperform · 🎯$66
Price at call : $46.76 — upside +41%
Today : $101.98 — upside -35%
Expected +41% · Actual +17% · Reason (≥ +15%) : ✓ Yes
🎯 on ECPG : 40% (5 calls matureds) · 📊 on Finance : 31.6% · +12.0% (19 calls)
+16.6%
stock +17% · XLF +14%
matured Dec 23, 25
▲ Market Outperform · 🎯$65
Price at call : $49.97 — upside +30%
Today : $101.98 — upside -36%
Expected +30% · Actual -1% · Reason (≥ +15%) : ✗ No
🎯 on ECPG : 15% (13 calls matureds) · 📊 unranked overall
-0.7%
stock -1% · XLF +8%
matured Nov 7, 25
▲ Outperform · 🎯$58
Price at call : $47.15 — upside +23%
Today : $101.98 — upside -43%
Expected +23% · Actual -11% · Reason (≥ +15%) : ✗ No
🎯 on ECPG : 40% (5 calls matureds) · 📊 on Finance : 31.6% · +12.0% (19 calls)
-10.8%
stock -11% · XLF +11%
matured Oct 17, 25
JMP Securities
Oct 14, 24
▲ Market Outperform · 🎯$60
Price at call : $45.31 — upside +32%
Today : $101.98 — upside -41%
Expected +32% · Actual -3% · Reason (≥ +15%) : ✗ No
🎯 on ECPG : 15% (13 calls matureds) · 📊 unranked overall
-2.7%
stock -3% · XLF +14%
matured Oct 14, 25
▲ Buy · 🎯$64
Price at call : $49.2 — upside +30%
Today : $101.98 — upside -37%
Expected +30% · Actual -18% · Reason (≥ +15%) : ✗ No
🎯 on ECPG : 67% (3 calls matureds) · 📊 on Finance : 41.4% · -1.7% (58 calls)
-17.6%
stock -18% · XLF +20%
matured Aug 20, 25
▲ Market Outperform · 🎯$60
Price at call : $42.97 — upside +40%
Today : $101.98 — upside -41%
Expected +40% · Actual -23% · Reason (≥ +15%) : ✗ No
🎯 on ECPG : 15% (13 calls matureds) · 📊 unranked overall
-23.4%
stock -23% · XLF +20%
matured May 6, 25
JMP Securities
Apr 17, 24
▲ Market Outperform · 🎯$60
Price at call : $41.22 — upside +46%
Today : $101.98 — upside -41%
Expected +46% · Actual -26% · Reason (≥ +15%) : ✗ No
🎯 on ECPG : 15% (13 calls matureds) · 📊 unranked overall
-26.2%
stock -26% · XLF +18%
matured Apr 17, 25
▲ Market Outperform · 🎯$56
Price at call : $43.92 — upside +28%
Today : $101.98 — upside -45%
Expected +28% · Actual +13% · Reason (≥ +15%) : ✗ No
🎯 on ECPG : 15% (13 calls matureds) · 📊 unranked overall
+13.3%
stock +13% · XLF +47%
matured Nov 5, 24
▲ Buy · 🎯$73
Price at call : $45.7 — upside +60%
Today : $101.98 — upside -28%
Expected +60% · Actual +3% · Reason (≥ +15%) : ✗ No
🎯 on ECPG : 67% (3 calls matureds) · 📊 on Finance : 41.4% · -1.7% (58 calls)
+2.9%
stock +3% · XLF +35%
matured Sep 20, 24
▲ Market Outperform · 🎯$61
Price at call : $51.51 — upside +18%
Today : $101.98 — upside -40%
Expected +18% · Actual -11% · Reason (≥ +15%) : ✗ No
🎯 on ECPG : 15% (13 calls matureds) · 📊 unranked overall
-11.1%
stock -11% · XLF +17%
matured Aug 6, 24
JMP Securities
Jul 14, 23
▲ Market Outperform · 🎯$61
Price at call : $51.83 — upside +18%
Today : $101.98 — upside -40%
Expected +18% · Actual -10% · Reason (≥ +15%) : ✗ No
🎯 on ECPG : 15% (13 calls matureds) · 📊 unranked overall
-10.5%
stock -10% · XLF +26%
matured Jul 13, 24
▲ Outperform · 🎯$61
Price at call : $46.94 — upside +30%
Today : $101.98 — upside -40%
Expected +30% · Actual -9% · Reason (≥ +15%) : ✗ No
🎯 on ECPG : 15% (13 calls matureds) · 📊 unranked overall
-8.8%
stock -9% · XLF +29%
matured May 3, 24
▲ Buy
Actual -5% · Reason (≥ +15%) : ✗ No
🎯 on ECPG : 50% (2 calls matureds) · 📊 on Finance : 44.1% · -3.6% (34 calls)
-5.3%
stock -5% · XLF +33%
matured Mar 27, 24
JMP Securities
Feb 27, 23
▲ Market Outperform · 🎯$68
Price at call : $53.59 — upside +27%
Today : $101.98 — upside -33%
Expected +27% · Actual -10% · Reason (≥ +15%) : ✗ No
🎯 on ECPG : 15% (13 calls matureds) · 📊 unranked overall
-10.4%
stock -10% · XLF +13%
matured Feb 27, 24
■ Market Perform neutral · not a buy · 🎯$58
Price at call : $55.61 — gap to target +4%
Today : $101.98 — gap to target -43%
🎯 on ECPG : 40% (5 calls matureds) · 📊 on Finance : 31.6% · +12.0% (19 calls)
in progress (365j)
matures : Feb 14, 24
JMP Securities
May 16, 22
▲ Market Outperform · 🎯$77
Price at call : $58.7 — upside +31%
Today : $101.98 — upside -24%
Expected +31% · Actual -24% · Reason (≥ +15%) : ✗ No
🎯 on ECPG : 15% (13 calls matureds) · 📊 unranked overall
-23.6%
stock -24% · XLF -4%
matured May 16, 23
▲ Outperform · 🎯$80
Price at call : $70.06 — upside +14%
Today : $101.98 — upside -22%
Expected +14% · Actual -19% · Reason (≥ +15%) : ✗ No
🎯 on ECPG : 40% (5 calls matureds) · 📊 on Finance : 31.6% · +12.0% (19 calls)
-19.1%
stock -19% · XLF -9%
matured Feb 15, 23
▲ Market Outperform · 🎯$71
Price at call : $59.7 — upside +19%
Today : $101.98 — upside -30%
Expected +19% · Actual -19% · Reason (≥ +15%) : ✗ No
🎯 on ECPG : 15% (13 calls matureds) · 📊 unranked overall
-19.4%
stock -19% · XLF -14%
matured Nov 4, 22
Oppenheimer 
Nov 3, 20
▲ Outperform · 🎯$54
Price at call : $31.3 — upside +73%
Today : $101.98 — upside -47%
Expected +73% · Actual +73% · Reason (≥ +15%) : ✓ Yes
🎯 on ECPG : 75% (4 calls matureds) · 📊 on Finance : 50% · +2.2% (46 calls)
+72.6%
stock +73% · XLF +63%
matured Nov 3, 21
Oppenheimer 
May 13, 20
▲ Outperform · 🎯$42
Price at call : $30.88 — upside +36%
Today : $101.98 — upside -59%
Expected +36% · Actual +38% · Reason (≥ +15%) : ✓ Yes
🎯 on ECPG : 75% (4 calls matureds) · 📊 on Finance : 50% · +2.2% (46 calls)
+37.6%
stock +38% · XLF +80%
matured May 13, 21
JMP Securities
Feb 28, 19
▲ Market Outperform · 🎯$42
Price at call : $34 — upside +24%
Today : $101.98 — upside -59%
Expected +24% · Actual +14% · Reason (≥ +15%) : ✗ No
🎯 on ECPG : 15% (13 calls matureds) · 📊 unranked overall
+13.6%
stock +14% · XLF +5%
matured Feb 28, 20
Oppenheimer 
Jan 15, 19
▲ Outperform · 🎯$37
Price at call : $27.75 — upside +33%
Today : $101.98 — upside -64%
Expected +33% · Actual +31% · Reason (≥ +15%) : ✓ Yes
🎯 on ECPG : 75% (4 calls matureds) · 📊 on Finance : 50% · +2.2% (46 calls)
+30.7%
stock +31% · XLF +23%
matured Jan 15, 20
Oppenheimer 
Oct 2, 18
■ Perform neutral · not a buy
🎯 on ECPG : 75% (4 calls matureds) · 📊 on Finance : 50% · +2.2% (46 calls)
in progress (365j)
matures : Oct 2, 19
▲ Outperform
Actual -8% · Reason (≥ +15%) : ✗ No
🎯 on ECPG : 40% (5 calls matureds) · 📊 on Finance : 31.6% · +12.0% (19 calls)
-7.8%
stock -8% · XLF -5%
matured Aug 9, 19
Oppenheimer 
Jan 9, 18
▲ Outperform · 🎯$53
Price at call : $43.5 — upside +22%
Today : $101.98 — upside -48%
Expected +22% · Actual -37% · Reason (≥ +15%) : ✗ No
🎯 on ECPG : 75% (4 calls matureds) · 📊 on Finance : 50% · +2.2% (46 calls)
-37.4%
stock -37% · XLF -15%
matured Jan 9, 19
▲ Outperform · 🎯$45
Price at call : $38.5 — upside +17%
Today : $101.98 — upside -56%
Expected +17% · Actual +4% · Reason (≥ +15%) : ✗ No
🎯 on ECPG : 100% (1 call matured) · 📊 on Finance : 43.3% · +0.7% (291 calls)
+3.9%
stock +4% · XLF +18%
matured May 25, 18
■ Neutral neutral · not a buy · 🎯$32
Price at call : $35.15 — gap to target -9%
Today : $101.98 — gap to target -69%
🎯 on ECPG : 50% (2 calls matureds) · 📊 on Finance : 44.1% · -3.6% (34 calls)
in progress (365j)
matures : Feb 24, 18
Raymond James 
Dec 13, 16
■ Market Perform neutral · not a buy
🎯 on ECPG : 100% (1 call matured) · 📊 on Finance : 39.9% · -2.6% (353 calls)
in progress (365j)
matures : Dec 13, 17
Citigroup 
Sep 20, 16
■ Neutral neutral · not a buy · 🎯$24
Price at call : $21.5 — gap to target +12%
Today : $101.98 — gap to target -76%
🎯 on ECPG : 50% (2 calls matureds) · 📊 on Finance : 49.3% · +1.7% (71 calls)
in progress (365j)
matures : Sep 20, 17
Citigroup 
Aug 8, 16
▲ Buy · 🎯$31
Price at call : $21.01 — upside +48%
Today : $101.98 — upside -70%
Expected +48% · Actual +96% · Reason (≥ +15%) : ✓ Yes
🎯 on ECPG : 50% (2 calls matureds) · 📊 on Finance : 49.3% · +1.7% (71 calls)
+95.6%
stock +96% · XLF +29%
matured Aug 8, 17
▲ Outperform · 🎯$37
Price at call : $25.28 — upside +46%
Today : $101.98 — upside -64%
Expected +46% · Actual +17% · Reason (≥ +15%) : ✓ Yes
🎯 on ECPG : 40% (5 calls matureds) · 📊 on Finance : 31.6% · +12.0% (19 calls)
+16.7%
stock +17% · XLF +28%
matured Mar 22, 17
▲ Buy · 🎯$53
Price at call : $31.81 — upside +67%
Today : $101.98 — upside -48%
Expected +67% · Actual -18% · Reason (≥ +15%) : ✗ No
🎯 on ECPG : 0% (1 call matured) · 📊 unranked overall
-17.8%
stock -18% · XLF +14%
matured Nov 11, 16
Citigroup 
Oct 8, 15
▲ Buy · 🎯$45
Price at call : $38.48 — upside +17%
Today : $101.98 — upside -56%
Expected +17% · Actual -43% · Reason (≥ +15%) : ✗ No
🎯 on ECPG : 50% (2 calls matureds) · 📊 on Finance : 49.3% · +1.7% (71 calls)
-42.6%
stock -43% · XLF +3%
matured Oct 7, 16
Macquarie 
Aug 11, 15
▲ Outperform · 🎯$54
Price at call : $40 — upside +35%
Today : $101.98 — upside -47%
Expected +35% · Actual -49% · Reason (≥ +15%) : ✗ No
🎯 on ECPG : 0% (2 calls matureds) · 📊 on Finance : 45.8% · -3.0% (24 calls)
-48.6%
stock -49% · XLF -4%
matured Aug 10, 16
Citigroup 
Mar 6, 15
■ Neutral neutral · not a buy · 🎯$45
Price at call : $40.04 — gap to target +12%
Today : $101.98 — gap to target -56%
🎯 on ECPG : 50% (2 calls matureds) · 📊 on Finance : 49.3% · +1.7% (71 calls)
in progress (365j)
matures : Mar 5, 16
JMP Securities
Feb 27, 15
▲ Market Outperform · 🎯$52
Price at call : $39.97 — upside +30%
Today : $101.98 — upside -49%
Expected +30% · Actual -42% · Reason (≥ +15%) : ✗ No
🎯 on ECPG : 15% (13 calls matureds) · 📊 unranked overall
-41.8%
stock -42% · XLF -13%
matured Feb 27, 16
Piper Sandler 
Dec 15, 14
▲ Overweight · 🎯$51
Price at call : $40.47 — upside +26%
Today : $101.98 — upside -50%
Expected +26% · Actual -28% · Reason (≥ +15%) : ✗ No
🎯 on ECPG : 0% (1 call matured) · 📊 on Finance : 51.5% · +3.5% (326 calls)
-28.4%
stock -28% · XLF +1%
matured Dec 15, 15
Macquarie 
Nov 25, 14
▲ Outperform · 🎯$62
Price at call : $43.39 — upside +43%
Today : $101.98 — upside -39%
Expected +43% · Actual -25% · Reason (≥ +15%) : ✗ No
🎯 on ECPG : 0% (2 calls matureds) · 📊 on Finance : 45.8% · -3.0% (24 calls)
-25.3%
stock -25% · XLF +1%
matured Nov 25, 15
Raymond James 
Jul 9, 13
▲ Outperform · 🎯$43
Price at call : $33.5 — upside +28%
Today : $101.98 — upside -58%
Expected +28% · Actual +31% · Reason (≥ +15%) : ✓ Yes
🎯 on ECPG : 100% (1 call matured) · 📊 on Finance : 39.9% · -2.6% (353 calls)
+31.3%
stock +31% · XLF +13%
matured Jul 9, 14
Piper Sandler 
Jun 17, 13
■ Neutral neutral · not a buy · 🎯$36
Price at call : $36.97 — gap to target -3%
Today : $101.98 — gap to target -65%
🎯 on ECPG : 0% (1 call matured) · 📊 on Finance : 51.5% · +3.5% (326 calls)
in progress (365j)
matures : Jun 17, 14
▲ Buy · 🎯$37
Price at call : $30.21 — upside +22%
Today : $101.98 — upside -64%
Expected +22% · Actual +61% · Reason (≥ +15%) : ✓ Yes
🎯 on ECPG : 50% (2 calls matureds) · 📊 on Finance : 44.1% · -3.6% (34 calls)
+60.6%
stock +61% · XLF +28%
matured Jan 17, 14

Frequently asked questions

Should I buy Encore Capital Group, Inc. stock?

This isn't buy advice. For Encore Capital Group, Inc., the analyst consensus is "Buy", with an average price target of $114 (+11% vs the current price). What matters is their past reliability on this stock: the most reliable one is right 75% of the time (4 calls tracked on Encore Capital Group, Inc.). We show the numbers — you decide.

Is it too late to buy Encore Capital Group, Inc.? How high can it go?

The most bullish analyst target on Encore Capital Group, Inc. is $115 (+13% above today's price); the average is $114. That's the upside they see. Check how reliable those analysts have actually been on Encore Capital Group, Inc. on our site before trusting it.

Is Encore Capital Group, Inc. still a good buy?

The most useful "opinion" isn't an opinion — it's a track record: 7 analysts have a real record on Encore Capital Group, Inc., the best hitting 75% over 4 calls. Current consensus: "Buy". Make your call on data, not noise.

What has Encore Capital Group, Inc.'s past performance been?

Historical returns and a "how much if I had invested" calculator: ECPG performance & returns.

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JPI AI Analyst AI assistant · JPI Invest
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