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

$102.36 +0.73% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Encore Capital Group Inc (ECPG) earns a Roarable Rating of B (Buy) with 73/100 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.

ROARABLE B • BUY Cap $2.17B

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

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

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 B+

Each axis scored 0–20

12M PRICE TARGET CONE+6.8% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for ECPG)Realized 20D OHLCV Swing Band: ±7%

RSI-14 MOMENTUMNEUTRAL RANGE

49.830 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 RANGE94% OF RANGE

L: $41$102.36H: $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: BRQD 29 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B+RQD 31 / 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 (78)

29/40 institutional & smart-money positioning score with 18/20 macro alignment.

Bull Case: Why Buyers Like ECPG

✓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

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

ECPG // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +23.67%▲ ASCENDING TRIANGLE

2026-10-30O $101.9H $102.4L $98.54C $102.4VOL 246.2K

RES: $106.3SUP: $96.88SMA50: $99.21SMA200: $83.18

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 #75 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 #75 by composite RQD confidence (73/100, 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 73/100 (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	73/100	8.4x	—	60.4%	+0.73%	$2.17B	Benchmark Subject
AGM Federal Agricultural Mortgage Corporation	D+	56/100	10.7x	—	12.1%	-0.09%	$2.21B	/agm-vs-ecpg →
TY Tri Continental Corporation	D	51/100	—	—	—	-0.06%	$1.88B	/ty-vs-ecpg →
BDJ Blackrock Enhanced Equity Dividend Trust	D+	54/100	—	—	—	+1.25%	$1.72B	/bdj-vs-ecpg →
QQQX Nuveen NASDAQ 100 Dynamic Overwrite Fund	D+	57/100	—	—	—	-0.39%	$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?

As of 2026-11-01, Encore Capital Group Inc (NASDAQ: ECPG) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 73/100 at a spot price of $102.36 (+0.73% 1D, market cap $2.17B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 18/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, ECPG ranks #75 in composite RQD confidence.

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

Within the Financials sector (Finance Companies), ECPG carries a Roarable B (73/100 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 (56/100 RQD, P/E 10.7x, ROIC 12.1%, cap $2.21B) and TY (Tri Continental Corporation) posts a D grade (51/100 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).

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

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: Company leadership has skin in the game with net positive insider conviction.. 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.

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

ECPG last traded at $102.36 (+0.73% on volume of 203,189 shares), positioning the stock +3.18% above its 50-day simple moving average ($99.21) and +23.06% above its 200-day simple moving average ($83.18). Across its 52-week range of $41.06 to $105.98, ECPG sits at the 94.4% percentile with a 14-day RSI of 49.8 (NEUTRAL RANGE) and an implied next-earnings move of ±7.0% ($95.19 to $109.53).

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 73/100 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 $109.27 (range $83.94 to $128.94), 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