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Encore Capital Group Inc (ECPG) is a good buy for a beginner investor with a long-term strategy and $50,000-$100,000 available for investment. The company's strong financial performance, bullish technical indicators, and positive analyst sentiment outweigh the lack of recent news or significant trading trends. The stock is trading near a key support level, making it an attractive entry point for long-term growth potential.
The technical indicators for ECPG are bullish. The MACD histogram is positive and contracting, suggesting upward momentum. The RSI is neutral at 55.259, indicating no overbought or oversold conditions. Moving averages are bullish (SMA_5 > SMA_20 > SMA_200), and the stock is trading near its pivot level of 56.739, with key support at 54.852 and resistance at 58.626.

Strong financial performance in Q3 2025, with revenue up 27.84% YoY, net income up 143.64% YoY, and EPS up 151.59% YoY.
Positive analyst sentiment with raised price targets (Northland: $70, Citizens: $
and an Outperform rating.
Favorable macroeconomic backdrop for consumer finance and fintech sectors.
Lack of recent news or significant trading trends from hedge funds or insiders.
No recent congress trading data available.
Slightly bearish short-term price movements (regular market change: -0.42%, post-market change: -0.28%).
In Q3 2025, Encore Capital Group reported strong financial growth: Revenue increased to $373.74M (+27.84% YoY), net income rose to $74.66M (+143.64% YoY), and EPS surged to $3.17 (+151.59% YoY). These results highlight robust operational performance and profitability.
Analysts are bullish on ECPG. Northland raised the price target to $70 from $61, citing a favorable U.S. market and strong balance sheet. Citizens raised the price target to $75 from $59, highlighting credit stabilization, lower funding costs, and a benign regulatory environment. Both firms maintain an Outperform rating.