ECPG · Encore Capital Group Inc - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $1.77B | $1.32B | $1.22B | $1.40B | $1.61B | $1.50B |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | $165.95M | $163.85M | $144.86M | $145.80M | $137.69M | $149.11M |
| Total Operating Expenses | $1.14B | $1.16B | $1.21B | $936.17M | $981.23M | $967.84M |
| D&A | $28.76M | $32.43M | $41.74M | $50.49M | $50.08M | $42.78M |
| Operating Income | $626.65M | $157.33M | $16.54M | $462.17M | $633.27M | $533.56M |
| Interest Expense | $293.91M | $252.54M | $201.88M | $153.31M | $169.65M | $209.36M |
| Income Tax | $79.33M | $43.03M | $26.23M | $116.42M | $85.34M | $70.37M |
| Net Income | $256.83M | ($139.24M) | ($206.49M) | $194.56M | $350.78M | $211.85M |
| EPS - Basic | $11.05 | ($5.83) | ($8.72) | $8.06 | $11.64 | $6.74 |
| EPS - Diluted | $10.91 | ($5.83) | ($8.72) | $7.46 | $11.26 | $6.68 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $156.78M | $199.87M | $158.36M | $143.91M | $189.65M | $189.18M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $5.34B | $4.79B | $4.63B | $4.51B | $4.61B | $4.86B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $4.36B | $4.02B | $3.69B | $3.33B | $3.42B | $3.64B |
| Stockholders' Equity | $976.75M | $767.33M | $936.54M | $1.18B | $1.19B | $1.22B |
| Retained Earnings | $1.10B | $909.93M | $1.05B | $1.28B | $1.24B | $1.06B |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $153.20M | $156.17M | $152.99M | $210.68M | $303.05M | $312.86M |
| Investing Cash Flow | ($242.59M) | ($440.43M) | ($401.94M) | ($130.24M) | $339.90M | $82.83M |
| Financing Cash Flow | $44.85M | $317.77M | $268.30M | ($107.44M) | ($655.69M) | ($403.20M) |
| CapEx | $26.27M | $29.01M | $24.81M | $37.22M | $33.37M | $34.60M |
| Free Cash Flow | $126.93M | $127.16M | $128.18M | $173.46M | $269.68M | $278.26M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 35.4% | 12.0% | 1.4% | 33.1% | 39.2% | 35.5% |
| EBITDA margin | 37.1% | 14.4% | 4.8% | 36.7% | 42.3% | 38.4% |
| Net margin | 14.5% | -10.6% | -16.9% | 13.9% | 21.7% | 14.1% |
| Free cash flow margin | 7.2% | 9.7% | 10.5% | 12.4% | 16.7% | 18.5% |
| FCF / Net income | 0.49 | -0.91 | -0.62 | 0.89 | 0.77 | 1.31 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | 9.4% | 12.4% | 11.8% | 10.4% | 8.5% | 9.9% |
| Effective tax rate | 23.6% | - | - | 37.4% | 19.6% | 24.9% |
| Return on assets | 4.8% | -2.9% | -4.5% | 4.3% | 7.6% | 4.4% |
| Return on equity | 26.3% | -18.1% | -22.0% | 16.5% | 29.6% | 17.4% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | 2.1x | 0.6x | 0.1x | 3.0x | 3.7x | 2.5x |
| Equity multiplier | 5.47 | 6.24 | 4.94 | 3.82 | 3.89 | 4.00 |
| Liabilities / Assets | 0.82 | 0.84 | 0.80 | 0.74 | 0.74 | 0.75 |
| Efficiency | ||||||
| Asset turnover | 0.33 | 0.27 | 0.26 | 0.31 | 0.35 | 0.31 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 5.0x | - | - | 6.4x | 5.5x | 5.8x |
| P / B | 1.3x | 1.5x | 1.3x | 1.1x | 1.6x | 1.0x |
| P / S | 0.7x | 0.9x | 1.0x | 0.9x | 1.2x | 0.8x |
| EV / EBITDA | 1.7x | 5.0x | 17.9x | 2.2x | 2.6x | 1.8x |
| Growth | ||||||
| Revenue growth (YoY) | 34.4% | 7.7% | -12.6% | -13.4% | 7.5% | 6.8% |
| Revenue CAGR (3y) | 8.1% | -6.6% | -6.6% | -0.2% | 6.9% | 8.1% |
| Revenue CAGR (5y) | 3.3% | -1.3% | -1.5% | 3.3% | 9.4% | 5.3% |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 298.3% | 851.5% | -96.4% | -27.0% | 18.7% | 19.5% |
| Net income growth (YoY) | - | 32.6% | - | -44.5% | 65.6% | 26.2% |
| EPS growth (YoY) | - | 33.1% | - | -33.7% | 68.6% | 25.3% |
| EPS CAGR (3y) | 13.5% | - | - | 11.9% | 40.5% | 28.5% |
| EPS CAGR (5y) | 10.3% | - | - | 18.8% | 30.6% | 31.6% |
| FCF growth (YoY) | -0.2% | -0.8% | -26.1% | -35.7% | -3.1% | 35.7% |
| FCF CAGR (5y) | -14.5% | -9.1% | 1.4% | 12.6% | 22.3% | 26.5% |
| Book value growth (YoY) | 27.3% | -18.1% | -20.6% | -0.5% | -2.7% | 19.1% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
5/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✗Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✓No share dilution
- -Gross margin improved
- ✓Asset turnover improved
Peer comparison
Same SIC group: Short-Term Business Credit Institutions
Comparing ENCORE CAPITAL GROUP INC against the 5 most active filers in the same SIC group.