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3-1 Month Momentum % is the total return of the stock from 3-month ago to 1-month ago. As of today (2026-07-27), Encore Capital Group's 3-1 Month Momentum % is 4.86%.
The industry rank for Encore Capital Group's 3-1 Month Momentum % or its related term are showing as below:
FRA:ECP's 3-1 Month Momentum % is ranked better than 67.38% of 561
companies
in the Credit Services industry
Industry Median: -2.51
vs FRA:ECP: 4.86
Encore Capital Group (FRA:ECP) 3-1 Month Momentum % Explanation
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 3-1 Month Momentum % measures the total return to a stock over the past three months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
Encore Capital Group 3-1 Month Momentum % Related Terms
FRA:ECP vs EZPW, AGM.A, QFIN: 3-1 Month Momentum % Comparison
For the Credit Services subindustry, Encore Capital Group's 3-1 Month Momentum %, along with its competitors' market caps and 3-1 Month Momentum % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Encore Capital Group 3-1 Month Momentum % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Encore Capital Group's 3-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where Encore Capital Group's 3-1 Month Momentum % falls into.
Encore Capital Group (FRA:ECP) 3-1 Month Momentum % Calculation
3-1 Month Momentum % is calculated as following:
3-1 Month Momentum %
=
( Price 1-month ago
/
Price 3-month ago
- 1 )
*
100 %
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Encore Capital Group (FRA:ECP) has a 3-1 Month Momentum % of 4.86% as of Jul. 27, 2026. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Encore Capital Group and its competitors. According to the industry distribution chart, Encore Capital Group ranks #183 out of 561 companies in the Credit Services industry, placing it in the top 32.6%.
Is Encore Capital Group's 3-1 Month Momentum % too high?
Encore Capital Group's current 3-1 Month Momentum % is 4.86%. Based on the distribution chart, Encore Capital Group ranks #183 out of 561 companies in the Credit Services industry, which is above the industry midpoint. Overall, Encore Capital Group has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Encore Capital Group's 3-1 Month Momentum % compare to EZPW and AGM.A?
According to the Credit Services industry distribution chart, Encore Capital Group ranks #183 out of 561 companies for 3-1 Month Momentum %. This puts Encore Capital Group in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-1 Month Momentum % for a Credit Services company?
A good 3-1 Month Momentum % depends on the Credit Services industry context. However, 3-1 Month Momentum % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-1 Month Momentum % mean?
A high 3-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Encore Capital Group and its competitors. Encore Capital Group's current 3-1 Month Momentum % is 4.86%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Encore Capital Group stock overvalued right now?
Based on GuruFocus' analysis, Encore Capital Group (FRA:ECP) is currently considered Modestly Overvalued. The stock's GF Value™ is €62.35, compared to a current price of €74.00 — trading 18.7% above its estimated fair value. The current 3-1 Month Momentum % is 4.86%. Encore Capital Group's overall GF Score™ is 68/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-1 Month Momentum % calculated?
3-1 Month Momentum % is calculated from a company's financial statements. For Encore Capital Group (FRA:ECP), the current 3-1 Month Momentum % is 4.86% as of Jul. 27, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Encore Capital Group (FRA:ECP) Overvalued in 2026?
Based on GuruFocus' analysis, Encore Capital Group stock appears to be overvalued.
The current stock price of €74.00 is trading 18.7% above its estimated GF Value™ of €62.35.
GuruFocus considers Encore Capital Group to be Modestly Overvalued.
Key valuation signals for FRA:ECP:
3-1 Month Momentum %: 4.86%
GF Value™: €62.35 vs. price of €74.00 (18.7% above fair value)
No single metric tells the full story. See the FRA:ECP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Encore Capital Group Inc is an international specialty finance company engaged in providing debt recovery solutions and other related services for consumers across a broad range of financial assets. It mainly purchases portfolios of defaulted consumer receivables at deep discounts to face value and manages them by working with individuals to repay their obligations and work toward financial recovery. The company also provides debt servicing and other portfolio management services to credit originators for non-performing loans in Europe. It has only one reportable segment, debt purchasing and recovery. Geographically, the company generates maximum revenue from its business in the United States, followed by the United Kingdom, Europe, and other regions.
68GF Score
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