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 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $475.41M | - | $460.35M | $442.12M | $392.77M | - | $367.07M | $355.29M | $328.39M | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | $39.63M | - | $39.22M | $41.33M | $41.02M | - | $38.81M | $36.78M | $36.24M | - |
| Total Operating Expenses | $291.42M | - | $287.18M | $291.39M | $263.43M | - | $260.98M | $253.45M | $244.79M | - |
| D&A | $6.86M | - | $7.17M | $7.31M | $7.34M | - | $8.16M | $7.46M | $7.85M | - |
| Operating Income | $183.99M | - | $173.18M | $150.73M | $129.34M | - | $106.09M | $101.84M | $83.59M | - |
| Interest Expense | $73.05M | - | $74.24M | $73.94M | $55.77M | - | $50.56M | $61.38M | $55.77M | - |
| Income Tax | $25.49M | - | $25.20M | $19.30M | $13.66M | - | $10.12M | $10.33M | $7.25M | - |
| Net Income | $86.24M | - | $74.66M | $58.72M | $46.80M | - | $30.64M | $32.18M | $23.24M | - |
| EPS - Basic | $3.97 | - | $3.22 | $2.50 | $1.96 | - | $1.28 | $1.35 | $0.98 | - |
| EPS - Diluted | $3.86 | - | $3.17 | $2.49 | $1.93 | - | $1.26 | $1.34 | $0.95 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $227.20M | $156.78M | $172.49M | $172.90M | $187.12M | $199.87M | $247.35M | $250.62M | $172.99M | $158.36M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $5.45B | $5.34B | $5.26B | $5.19B | $4.97B | $4.79B | $4.99B | $4.82B | $4.69B | $4.63B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $4.42B | $4.36B | $4.31B | $4.30B | $4.15B | $4.02B | $3.95B | $3.83B | $3.73B | $3.69B |
| Stockholders' Equity | $1.03B | $976.75M | $952.91M | $895.97M | $819.06M | $767.33M | $1.05B | $988.13M | $953.86M | $936.54M |
| Retained Earnings | $1.17B | $1.10B | $1.08B | $1.02B | $956.72M | $909.93M | $1.14B | $1.10B | $1.07B | $1.05B |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $82.33M | - | - | - | $45.28M | - | - | - | $50.98M | - |
| Investing Cash Flow | ($27.41M) | - | - | - | ($100.28M) | - | - | - | ($90.88M) | - |
| Financing Cash Flow | $18.61M | - | - | - | $40.34M | - | - | - | $55.79M | - |
| CapEx | $4.86M | - | - | - | $6.99M | - | - | - | $6.86M | - |
| Free Cash Flow | $77.47M | - | - | - | $38.29M | - | - | - | $44.12M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | 38.7% | - | 37.6% | 34.1% | 32.9% | - | 28.9% | 28.7% | 25.5% | - |
| EBITDA margin | 40.1% | - | 39.2% | 35.7% | 34.8% | - | 31.1% | 30.8% | 27.8% | - |
| Net margin | 18.1% | - | 16.2% | 13.3% | 11.9% | - | 8.3% | 9.1% | 7.1% | - |
| Free cash flow margin | 16.3% | - | - | - | 9.7% | - | - | - | 13.4% | - |
| FCF / Net income | 0.90 | - | - | - | 0.82 | - | - | - | 1.90 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | 8.3% | - | 8.5% | 9.3% | 10.4% | - | 10.6% | 10.4% | 11.0% | - |
| Effective tax rate | 22.8% | - | 25.2% | 24.7% | 22.6% | - | 24.8% | 24.3% | 23.8% | - |
| Return on assets | 1.6% | - | 1.4% | 1.1% | 0.9% | - | 0.6% | 0.7% | 0.5% | - |
| Return on equity | 8.3% | - | 7.8% | 6.6% | 5.7% | - | 2.9% | 3.3% | 2.4% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | 2.5x | - | 2.3x | 2.0x | 2.3x | - | 2.1x | 1.7x | 1.5x | - |
| Equity multiplier | 5.27 | 5.47 | 5.52 | 5.79 | 6.07 | 6.24 | 4.76 | 4.87 | 4.91 | 4.94 |
| Liabilities / Assets | 0.81 | 0.82 | 0.82 | 0.83 | 0.84 | 0.84 | 0.79 | 0.79 | 0.80 | 0.80 |
| Efficiency | ||||||||||
| Asset turnover | 0.09 | - | 0.09 | 0.09 | 0.08 | - | 0.07 | 0.07 | 0.07 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 18.2x | - | 13.2x | 15.5x | 17.8x | - | 37.5x | 31.1x | 48.0x | - |
| P / B | 1.5x | - | 1.0x | 1.0x | 1.0x | - | 1.1x | 1.0x | 1.2x | - |
| P / S | 3.3x | - | 2.1x | 2.1x | 2.1x | - | 3.1x | 2.8x | 3.4x | - |
| EV / EBITDA | 7.0x | - | 4.5x | 4.7x | 4.7x | - | 7.9x | 6.9x | 10.3x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | 21.0% | - | 25.4% | 24.4% | 19.6% | - | 18.6% | 10.0% | 5.0% | - |
| Revenue CAGR (3y) | 15.0% | - | 14.4% | 7.4% | -7.7% | - | -3.8% | -6.0% | -7.6% | - |
| Revenue CAGR (5y) | 2.7% | - | 2.7% | 0.7% | 6.3% | - | 1.1% | 0.6% | -1.0% | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 42.3% | - | 63.2% | 48.0% | 54.7% | - | 40.5% | 15.6% | 19.2% | - |
| Net income growth (YoY) | 84.3% | - | 143.6% | 82.5% | 101.4% | - | 58.5% | 22.3% | 24.8% | - |
| EPS growth (YoY) | 100.0% | - | 151.6% | 85.8% | 103.2% | - | 59.5% | 24.1% | 26.7% | - |
| EPS CAGR (3y) | 72.7% | - | 37.5% | 2.8% | -32.9% | - | -22.0% | -24.1% | -31.6% | - |
| EPS CAGR (5y) | 5.4% | - | 13.0% | -9.6% | - | - | 0.5% | 2.8% | -9.6% | - |
| FCF growth (YoY) | 102.3% | - | - | - | -13.2% | - | - | - | 42.2% | - |
| FCF CAGR (5y) | - | - | - | - | -9.6% | - | - | - | 125.1% | - |
| Book value growth (YoY) | 26.3% | 27.3% | -9.1% | -9.3% | -14.1% | -18.1% | -12.6% | -19.9% | -19.4% | -20.6% |
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.