ECPG
Encore Capital Group, Inc.Financial Services · $2.1B market cap
Verdict
Share price
$95.92
close of Oct 3, 2026
Fair value
$70.78
Sticker Price
Payback Price
$28.31
buy price
ECPG is Overpriced: at $95.92 it trades 36% above its fair value of $70.78. Its buy price (Payback Price) is $28.31, 70% below today's price. Business quality is solid: 3 of 5 key numbers clear the 10% bar.
How we valued it
Buffett Normalized. A profitable, growing business, so we project its earnings 10 years ahead and work out what that is worth today.
Business quality
3 of 5 clear the 10% bar. What are the Big Five?
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1 of the investors we track holds ECPG. In Q1 2026, 1 trimmed. Who we track
Moves in Q1 2026
Trimmed: Third Avenue Management
Insider activity
Since Jun 22, 2026: no open-market purchases and 9 other filings (stock awards, tax withholding and similar). Why purchases matter
Other filings
About Encore Capital Group, Inc.
Encore Capital Group, Inc. operates as a specialized financial institution, offering global solutions for debt resolution and associated support services to individual consumers holding diverse financial assets. The company acquires portfolios of consumer debts that are in default, often at substantial discounts from their original value. It then oversees these accounts by engaging with individuals to assist them in…
Financial - Credit Services
Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works