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Encore Capital Group Inc (ECPG) — RQD Stock Rating Cockpit

$99.98 -2.33% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $99.80

Encore Capital Group Inc (ECPG) earns a Roarable Rating of B (Buy) with 72/100 RQD Confidence. High-quality cash engine (steady margins, 60% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 72/100 (B) historically ranked in the Top 13% of excess returns over the next 90 days (+7.0% avg 90D alpha vs SPY • 68.7% hit rate) →

ROARABLE B • BUY Cap $2.17B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on ECPG Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is ECPG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Encore Capital Group Inc (NASDAQ: ECPG) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 72/100 at a spot price of $99.98 (-2.33% 1D, market cap $2.17B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 16/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, ECPG ranks #82 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does ECPG compare to AGM and TY in the Financials sector?

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Within the Financials sector (Finance Companies), ECPG carries a Roarable B (72/100 RQD), trailing P/E of 8.4x, gross margin of —, and ROIC of 60.4%. By comparison, AGM (Federal Agricultural Mortgage Corporation) holds a D+ grade (57/100 RQD, P/E 10.7x, ROIC 12.1%, cap $2.21B) and TY (Tri Continental Corporation) posts a D grade (50/100 RQD, P/E N/A, ROIC —, cap $1.88B). Among the 5-stock peer group, ECPG leads on earnings multiple (8.4x) while ECPG leads on capital efficiency (60.4% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for ECPG?

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Per ECPG's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001084961), Encore Capital Group Inc generated $88.4M in revenue (+4.3% YoY), $257.0M in net income, and $126.9M in free cash flow against $5.34B in total assets and $0 in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $99.80 (-0.18%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 143.6% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 72/100 (B) historically ranked in the Top 13% of excess returns over the next 90 days (+7.0% avg 90D alpha vs SPY • 68.7% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B · Rk C+

Each axis scored 0–20

12M PRICE TARGET CONE+6.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for ECPG)Realized 20D OHLCV Swing Band: ±6.7%

Deterministic 5-Pillar Attribution (72/100 Composite)

🔍 WHY ECPG SCORES 72/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Whale & Options Positioning+16/20 pts (22% of score)

20D Institutional Volume Accumulation (±6.7% realized swing band)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (22% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk13/20 pts (-7 pt drag)

Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade A-$100.85-0.2% Next Q

Q2 (-2Q)

Grade B+$100.62-1% Next Q

Q3 (-1Q)

Grade B+$99.64+0.3% Next Q

Current

Grade B$99.98+7% Hist 90D α

Trajectory: A- (80) → B (72)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the ECPG Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 72/100 (B) score, ECPG faces multiple-compression risk if 8.4x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($99.24) or 200D SMA ($83.41) invalidates the momentum regime and cuts Target Base ($106.28) toward Bear Floor ($81.98).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $ECPG• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “ECPG Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 72%NO 28%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

54.630 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

6 / 99-Pt Accounting

52-WEEK LASER RANGE91% OF RANGE

L: $41$99.98H: $106

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: CRQD 13 / 20

2. Big Money & Insiders● BUYING

Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: B+RQD 32 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: C+RQD 27 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on ECPG

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (65)

60.4% ROIC with 42.0% gross margin and 5.85% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 6/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (77)

32/40 institutional & smart-money positioning score with 14/20 macro alignment.

Bull Case: Why Buyers Like ECPG

✓Big institutional funds and options desks are actively positioning on the bullish side.
✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (ECPG Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

ECPG // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +20.18%▲ ASCENDING TRIANGLE

2026-11-02O $101.6H $102.4L $99.98C $99.98VOL 203.2K

RES: $106.3SUP: $97.08SMA50: $99.24SMA200: $83.41

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

ECPG Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 ECPG Butterfly Map → + Track ECPG →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-4.5%/yr Implied 5Y Growth

vs. +4.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on ECPG today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for ECPG. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for ECPG today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ECPG)

Financials Rank #82 of 1096 ⚔️ AGM vs ECPG Full Matrix →

1. Head-to-Head Financials Peer Comparison (ECPG vs. AGM, TY, BDJ, QQQX)

Industry: Finance Companies (27 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Encore Capital Group Inc (ECPG) ranks #82 by composite RQD confidence (72/100, grade B) and #417 by equity capitalization ($2.17B). Within this direct 5-issuer industry benchmark cohort, ECPG leads on earnings valuation at 8.4x trailing P/E, while ECPG leads on capital efficiency and profitability with 60.4% ROIC and — gross margin. ECPG currently leads its immediate peer cohort in composite quantitative strength at 72/100 (B).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
ECPG ACTIVE Encore Capital Group Inc	B	72/100	8.4x	—	60.4%	-2.33%	$2.17B	Benchmark Subject
AGM Federal Agricultural Mortgage Corporation	D+	57/100	10.7x	—	12.1%	-0.88%	$2.21B	/agm-vs-ecpg →
TY Tri Continental Corporation	D	50/100	—	—	—	-0.64%	$1.88B	/ty-vs-ecpg →
BDJ Blackrock Enhanced Equity Dividend Trust	D+	54/100	—	—	—	-0.93%	$1.72B	/bdj-vs-ecpg →
QQQX Nuveen NASDAQ 100 Dynamic Overwrite Fund	D+	52/100	—	—	—	-2.53%	$1.51B	/qqqx-vs-ecpg →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001084961

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Encore Capital Group Inc (ECPG) reported GAAP revenue of $88.4M (+4.3% vs. FY2024 revenue of $84.8M , and +6.3% cumulative change since FY2023) , GAAP net income of $257.0M, operating cash flow of $153.2M, and free cash flow of $126.9M (-0.2% YoY). On the balance sheet, ECPG closed FY2025 with $5.34B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$88.4M	$257.0M	$153.2M	$126.9M	$5.34B	—
FY2024 (FY)	2024-12-31	$84.8M	-$139.0M	$156.2M	$127.2M	$4.79B	—
FY2023 (FY)	2023-12-31	$83.1M	-$206.0M	$153.0M	$153.0M	—	—

3. ECPG Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is ECPG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does ECPG compare to AGM and TY in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for ECPG?

Where is ECPG trading relative to its 50-day, 200-day, and 52-week technical levels?

ECPG last traded at $99.98 (-2.33% on volume of 246,270 shares), positioning the stock +0.75% above its 50-day simple moving average ($99.24) and +19.87% above its 200-day simple moving average ($83.41). Across its 52-week range of $40.52 to $105.98, ECPG sits at the 90.8% percentile with a 14-day RSI of 54.6 (NEUTRAL RANGE) and an implied next-earnings move of ±6.7% ($93.28 to $106.68).

ECPG Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell ECPG stock right now?

Encore Capital Group Inc (ECPG) currently earns a Roarable Rating of B (Buy — BUY) with 72/100 RQD Confidence. High-quality cash engine (steady margins, 60% return on capital) with steady institutional support.

What is ECPG's 12-month price target and RQD AI Jury consensus?

ECPG's 12-month base price target is $106.28 (range $81.98 to $125.41), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: ECPG RQD Cockpit ECPG 12M Forecast ECPG Earnings & Move ECPG Dividends & DRIP ECPG Insiders & 13F ECPG Whale Options ECPG Profit Sankey ECPG News & Why

ROARABLE RATING BRIEF • RQD 72/100 (B) ✓ STAGE-C NUMBER FIREWALL VERIFIED

ECPG — Encore Capital Group Inc: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:26:30Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, ECPG scores 72 out of 100 with a letter grade of B and a verdict label of "Roarable Buy — Good Risk/Reward." The five pillars are:

Fundamental Cash Engine: 13 / 20. Per the RQD pillar detail, this reflects ROIC of 60.4% and an FCF yield of 5.85%. For an investor, the high ROIC indicates strong capital efficiency, while the FCF yield indicates the cash generated relative to market value is moderate rather than exceptional.
Whale 13F Flow: 16 / 20. Per the RQD pillar detail, this reflects institutional accumulation and options positioning. The source pillar label is the only detail provided; the underlying holder records are not available in source data (see Analyst View section).
Insider Conviction: 16 / 20. Per the RQD pillar detail, this reflects SEC Form 4 and Congressional PTR cluster flow. The underlying trade records are not available in source data.
Macro Regime Fit: 14 / 20. Per the RQD pillar detail, this reflects a Beta of 1.0 and sector sensitivity. A beta of 1.0 implies the stock is expected to move in line with the broader market, offering neither a defensive nor an aggressive profile on this measure.
Forensic Balance Sheet: 13 / 20. Per the RQD pillar detail, this reflects an Altman Z-Score of 2.5, a Piotroski F-Score of 6/9, and a Debt/Equity ratio of 0.5.

Investor implications: the strongest pillars are insider and institutional flow, suggesting the source data records supportive positioning signals. The weakest pillars are cash-yield and balance-sheet forensics, which temper the overall grade. Valuation tradeoffs are visible in the market data: trailing P/E of 8.4 and EV/EBITDA of 3.1 are low in absolute terms, but the source data does not provide peer comparisons to contextualize them. Upside drivers would depend on sustained cash generation; downside risk is flagged in the news wire as a RISK WATCH item. This is an educational summary of the rating, not personalized financial advice.

Snapshot

Price	Market Cap	P/E (TTM)	Forward P/E	EV/EBITDA	EPS (TTM)	Dividend Yield	Beta	52-Wk Range	ROIC %
102.36	$2.17B	8.4	7.8	3.1	12.12	0%	1.0	$40.52 - $105.98	60.4%

Business

Encore Capital Group Inc is a NASDAQ-listed issuer classified in the Financials sector and Finance Companies industry, per the profile section. Per the SEC financials, the company reports revenue, but the source data does not describe its products, customers, or revenue model. Not available in source data for detailed business description beyond sector and industry classification.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$88.4M	$626.6M	$257.0M	N/A	$126.9M	$156.8M	N/A
FY 2024	$84.8M	$157.3M	$-139.0M	N/A	$127.2M	$199.9M	N/A
FY 2023	$83.1M	$16.5M	$-206.0M	N/A	$153.0M	N/A	N/A

Per the SEC financials, net income moved from losses in FY 2023 and FY 2024 to $257.0M in FY 2025, and operating income rose from $16.5M to $626.6M over the same span. Per the market data, operating margin is 75% and net margin is 68%, and ROIC is 60.4%. Per the RQD pillar detail, the Altman Z-Score is 2.5 and the Piotroski F-Score is 6/9, with Debt/Equity at 0.5. Source data does not provide a gross margin figure beyond 0%, nor reported EPS or debt values for the periods shown.

Recent Catalysts & News Wire Analysis

RISK WATCH (RED): A Yahoo Finance headline titled "Encore Capital Group (ECPG) As Risk Concerns Meet An Undervalued Narrative," published 1h before the data timestamp.
MARKET WIRE (YELLOW): Multiple items cover ECPG's post-Q2 earnings outlook, including a Yahoo Finance piece and a FinancialContent piece on buy/sell/hold positioning. A MarketBeat report notes the stock broke above its 50-day moving average.
CATALYST (GREEN): A Simply Wall St piece asks whether slow growth changes the bull case for the stock.
Butterfly Supply-Chain Graph: Per the graph, the supply chain is recorded as NONE, with no butterfly links and no proprietary signals.

Open Questions

What is the underlying business model and revenue composition behind the reported revenue figures?
What drove the swing from net losses in FY 2023 and FY 2024 to a $257.0M net income in FY 2025, and is it recurring?
What is the debt balance, given that debt is recorded as N/A for all periods?
What specific risk the RISK WATCH headline flags, and how it relates to the undervalued narrative?
How do ROIC, FCF yield, and valuation multiples compare to peers, which the source data does not provide?

ECPG Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Encore Capital Group Inc (ECPG) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to ECPG Debate Forum (3) ↓

🔴 RISK WATCH Yahoo Finance • 4h ago

Encore Capital Group (ECPG) As Risk Concerns Meet An Undervalued Narrative

Yahoo Finance report covering Encore Capital Group Inc (ECPG) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 7h ago

Encore Capital Group (ECPG): Buy, Sell, or Hold Post Q2 Earnings?

Yahoo Finance report covering Encore Capital Group Inc (ECPG) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 10h ago

Encore Capital Group Inc Estimates – NASDAQ:ECPG

TradingView report covering Encore Capital Group Inc (ECPG) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 16h ago

Encore Capital Group (NASDAQ:ECPG) Stock Breaks Above 50-Day Moving Average - Here's What Happened

MarketBeat report covering Encore Capital Group Inc (ECPG) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Simply Wall St • 19h ago

Does Slow Growth Change The Bull Case For Encore Capital Group Stock?

Simply Wall St report covering Encore Capital Group Inc (ECPG) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 22h ago

Encore Capital Group to Announce Third Quarter 2026 Financial Results on November 4

Yahoo Finance report covering Encore Capital Group Inc (ECPG) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

Encore Capital Group Inc (NASDAQ:ECPG) Stock Rated "Moderate Buy" by Sell-Side Brokerages

MarketBeat report covering Encore Capital Group Inc (ECPG) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Yahoo • 3d ago

2 financials stocks worth your attention and 1 we find risky

Financial providers use their expertise in capital allocation and risk assessment to help facilitate economic growth while offering consumers and businesses essential financial services. But uncertainty about fiscal and

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

ECPG Bull vs. Bear Conversation Board — What's Your Call at $99.98?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON ECPG 🐻 33% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk 🐂 BULLISH 🎯 Target: $120.78 (+18.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is ECPG (B • RQD 72/100) a Buy at $102.36?

Welcome to the ECPG (Encore Capital Group Inc) Roar Pit. Current RQD Composite is 72/100 (Roarable Buy — Good Risk/Reward) in Finance Companies. Bulls point to capital efficiency (60.4% ROIC), while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

FO ForensicBear Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $82.91 (-19.0%)

Spot @ $102.36

Pump the brakes on ECPG — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on ECPG, but look at what you are paying: 8.4x trailing P/E with tightening sector spreads. Unless Encore Capital Group Inc expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

CA CashFlowKing Verified K Arena Trader 🐂 BULLISH 🎯 Target: $130.00 (+27.0%)

Spot @ $102.36

ECPG cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on ECPG, the market is fixating on short-term headline noise in Finance Companies and ignoring the balance sheet and cash flow trajectory. At $102.36 (52-wk range $40.52 - $105.98), any beat on forward guidance forces shorts and underweight funds to chase.