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  4. ENCORE CAPITAL GROUP, INC.
Encore Capital Group, Inc.
XNAS: ECPG
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Encore Cap Grp Inc quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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Forecaster Analyst Estimates for Encore Cap Grp Inc share price target, revenues, EPS, net income and more

Encore Cap Grp Inc quarterly results: revenue, profit, and P&L – 13 quarter history

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  • POSITIVE

    Quarterly Revenue Encore Cap Grp Inc Jun-2026 Quarterly Revenue is $492 Million which is growth of 11.3% YoY.

  • POSITIVE

    Quarterly Net Profit Encore Cap Grp Inc Jun-2026 Quarterly Net Profit is $64 Million which is growth of 9.0% YoY.

Encore Capital Group, Inc., Earnings Report - Quarterly Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphJun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24Jun '24Mar '24Dec '23Sep '23Jun '23
Operating Rev.
491.9475.4473.6460.4442.1392.8265.6367.1355.3328.4277.4309.6323
Cost Of Rev.
222.3210.1212.7203.7205.8180.8181.9182.2178.4170.3162.6159.4163.4
Gross Profit
269.6265.3260.9256.6236.421283.7184.9176.9158.1114.8150.2159.7
⌄
82.781.387.583.585.682.698.878.875.174.575.174.771.6
Operating Profit
186.9184173.4173.2150.7129.3-15.1106.1101.883.639.775.588.1
⌄
-73.9-73.1-75.2-74.2-73.9-70.5-68.5-66.9-61.4-55.8-54.5-50.6-50
Profit Before Tax
82.9111.797.899.97860.5-21040.842.530.5-271.730.136.3
Tax
18.925.521.225.219.313.715.310.110.37.3-0.910.710
⌄
6486.276.774.758.746.8-225.330.632.223.2-270.819.326.3
Diluted NI Avail to Com Stockholders Ann.
6486.276.774.758.746.8-225.330.632.223.2-270.819.326.3
Basic EPS
343.43.22.52-9.41.31.41-11.40.81.1
Diluted EPS After ExtraOrdinary
3.83.93.43.22.51.9-9.41.31.30.8-11.40.81.1
Number Of Shares End
21.621.722.323.223.523.923.923.923.923.823.823.723.7
Net Income Continuing Discontinued Operations
6486.276.774.758.746.8-225.330.632.223.2-270.819.326.3
Normalized Income
92.289.88277.962.749.5-102.133.535.725.8-11.121.329.1
Interest Income
-------------
Interest
71.470.772.270.670.567.264.862.957.652.550.347.146.3
Net Interest Income
-73.9-73.1-75.2-74.2-73.9-70.5-68.5-66.9-61.4-55.8-54.5-50.6-50
EBIT
154.2182.4170170.4148.5127.7-145.2103.7100.183-221.477.182.6
EBITDA
161.3189.3177177.6155.8135-136.2111.8107.690.8-212.488.393.3
Reconciled Cost Of Rev.
222.3210.1212.7203.7205.8180.8181.9182.2178.4170.3162.6159.4163.4
Reconciled Depr.
7.16.96.97.27.37.398.27.57.9911.210.7
Profit From Continuing Operations
6486.276.774.758.746.8-225.330.632.223.2-270.819.326.3
Normalized EBITDA
191.9189.3177177.6155.8135-136.2111.8107.690.8-212.488.393.3
*All financials are in USD Million and price data in USD
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Encore Cap Grp Inc competitor comparison and performance snapshot within industry

Encore Cap Grp Inc annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

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  • POSITIVE

    Annual Revenue Encore Cap Grp Inc Dec-2025 Annual Revenue is $1,769 Million which is growth of 34.4% YoY.

  • POSITIVE

    Annual Net Profit Encore Cap Grp Inc Dec-2025 Annual Net Profit is $257 Million which is growth of 284.4% YoY.

Encore Capital Group, Inc., Earnings Report - Annual Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsTTMDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
8.1%
3.3%
 1,768.81,316.41,222.71,398.41,614.51,501.41,397.71,3621,1871,029.31,161.6
Cost Of Rev. Ann.
8.5%
3.8%
848.8803712.8651.4628.7686.5667642.9622.2559.5518.1538
Gross Profit Ann.
7.9%
3%
1,052.4965.8603.6571.2769.7928834.4754.8739.8627.5511.2623.5
Operating Exp. Ann.
3.3%
2.4%
334.9339.2327.1297.8307.5294.7300.8297.7334.5303269.7329
Operating Profit Ann.
10.7%
3.3%
717.5626.7276.5273.5462.2633.3533.6457.1405.3324.5241.5294.6
⌄
-
-
-296.4-293.9-252.5-201.9-153.3-169.7-209.4-226.8-240.1-204.2-198.4-186.6
Other Exp. Ann.
17.4%
-
 3.4-120.1-251.92.1-27.1-41.3-29.1-8.810.914.2-47
PBT Ann.
2.6%
3.5%
392.3336.2-96.2-180.3311436.5282.9201.2156.5131.257.461
Tax Ann.
-12%
2.4%
90.779.34326.2116.485.370.432.346.852.138.213.6
⌄
9.7%
3.9%
301.6256.8-139.2-206.5194.6350.8211.9167.9115.983.276.645.1
Diluted NI Avail to Com Stockholders Ann.
9.7%
3.9%
301.6256.8-139.2-206.5194.6350.8211.9167.9115.983.276.645.1
EPS Ann.
11.1%
10.6%
 11.1-5.8-8.78.111.66.75.44.13.231.8
Diluted EPS Ann.
13.3%
10.2%
 10.9-5.8-8.77.511.36.75.34.13.231.7
Number Of Shares End
-1.7%
-6.7%
 22.323.923.823.527.931.531.131.12625.825.5
Total Exp. Ann.
6.9%
3.4%
 1,142.21,039.9949.2936.2981.2967.8940.6956.7862.5787.7867
Net Income Continuing Discontinued Operations Ann.
9.7%
3.9%
301.6256.8-139.2-206.5194.6350.8211.9167.9115.983.276.645.1
Normalized Income Ann.
10%
2%
341.9272-6.757.5204.2373.4245.8187.3142.210690.1133.8
Interest Income Ann.
-
-
 -----------
Interest Ann.
26.4%
7.8%
284.8280.5237.8186.2138.8153.4193206214.7190.7185.8174.8
EBITDA Ann.
8.9%
4.5%
705.2645.417447.7500.3640518.7448.3412.4361.9278269.7
Reconciled Cost Of Rev. Ann.
8.5%
3.8%
848.8803712.8651.4628.7686.5667642.9622.2559.5518.1538
Reconciled Depr. Ann.
-17.1%
-7.6%
28.128.832.441.750.550.142.84141.24034.934
Profit From Continuing Operations Ann.
9.7%
3.9%
301.6256.8-139.2-206.5194.6351.2212.5168.9109.779.219.247.4
Normalized EBITDA Ann.
8.9%
2.9%
735.7647301304.6500.3649.3559.6459412.4361.9278319
*All financials are in USD Million and price data in USD
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Total Rev. Ann.
1Y CHG
34.4%
2Y CAGR
20.3%
3Y CAGR
8.1%
5Y CAGR
3.3%
7Y CAGR
3.8%
10Y CAGR
4.3%
Total Revenue Annual growth is higher than historical averages.
Net Profit Ann.
3Y CAGR
9.7%
5Y CAGR
3.9%
7Y CAGR
12%
10Y CAGR
19%
Net Profit Annual growth is higher than historical averages.
Operating Exp. Ann.
1Y CHG
3.7%
2Y CAGR
6.7%
3Y CAGR
3.3%
5Y CAGR
2.4%
7Y CAGR
0.2%
10Y CAGR
0.3%
Operating Expenses Annual Cr growth is higher than historical averages.

Encore Cap Grp Inc balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

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  • POSITIVE

    Total Shareholders Fund Encore Cap Grp Inc Dec-2025 Total Shareholders Fund is $977 Million which is growth of 27.3% YoY.

  • POSITIVE

    Total Assets Encore Cap Grp Inc Dec-2025 Total Assets is $5,340 Million which is growth of 11.5% YoY.

Encore Capital Group, Inc., Balance Sheet, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
5.8%
1.9%
5,339.84,789.74,630.54,508.44,608.14,864.54,9104,631.94,490.73,670.54,219.9
⌄
9.4%
3.7%
4,363.14,022.43,6943,328.73,422.93,644.53,884.53,812.23,766.83,0703,571.4
⌄
-6.1%
-4.3%
976.8767.3936.51,179.61,185.31,217.61,022.2818581.9562.3602.6
Total Capitalization Ann.
14.2%
5.2%
4,977.54,4394,222.43,342.63,661.53,863.43,749.53,530.73,446.72,677.43,127
Tangible Assets Ann.
9.4%
10.6%
440.5259.5330336.3251.2265.686.6-110.7-422.9-251-340.4
Working Capital Ann.
-
-
9.912.3-10.2-719.7-485.2-553-695.3-773.8-501.5-691.3-410.5
Invested Capital Ann.
6.9%
2.1%
4,977.54,4394,251.84,072.84,175.64,4914,527.34,301.14,022.73,363.23,808.1
Tangible Book Value Ann.
9.4%
10.6%
440.5259.5330336.3251.2265.686.6-110.7-422.9-251-340.4
Borrowings Ann.
11.3%
4%
4,001.33,672.83,3182,898.82,997.33,281.63,513.23,490.63,446.92,8063,216.6
Net Debt Ann.
11.8%
4.5%
3,843.93,471.83,156.92,749.22,800.73,084.23,312.73,325.73,228.72,651.13,051.9
Share Issued Ann.
-2.3%
-7.1%
21.723.723.623.324.531.331.130.925.825.625.3
Number Of Shares End
-1.7%
-6.7%
22.323.923.823.527.931.531.131.12625.825.5
*All financials are in USD Million and price data in USD
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Total Assets Ann.
1Y CHG
11.5%
2Y CAGR
7.4%
3Y CAGR
5.8%
5Y CAGR
1.9%
7Y CAGR
2.1%
10Y CAGR
2.4%
Total Assets Annual growth is higher than historical averages.
Total Current Liabilities Ann.
1Y CHG
-1.4%
2Y CAGR
2.5%
3Y CAGR
-37.2%
5Y CAGR
-22.9%
7Y CAGR
-19.6%
10Y CAGR
-13.4%
Total Current Liabilities Annual Cr is falling slower than historical averages.
Total ShareHolders Funds Ann.
1Y CHG
27.3%
2Y CAGR
2.1%
3Y CAGR
-6.1%
5Y CAGR
-4.3%
7Y CAGR
2.6%
10Y CAGR
4.9%
Total ShareHolders Funds Annual growth is higher than historical averages.

Encore Cap Grp Inc ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

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  • POSITIVE

    Book Value Per Share Encore Cap Grp Inc Book Value Per Share is $46 which is growth of 40.9% YoY.

  • NEUTRAL

    ROE Encore Cap Grp Inc ROE is 0% which is growth of 0% YoY.

Encore Capital Group, Inc., Ratios, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
RoA Ann. %
-
-
--2.96%-4.52%4.27%7.41%4.33%3.52%2.54%2.04%1.94%1.13%
ROE Ann. %
-
-
--16.34%-19.52%16.45%29.20%18.92%18.24%16.56%14.55%13.15%7.31%
ROIC %
-
-
--3.9-5.2-1.12.61.51.82.11.11.50.7
OPM Ann. %
2.3%
-0.1%
35.43%21.00%22.37%33.05%39.22%35.54%32.70%29.76%27.34%23.46%25.36%
Inventory Turnover Ratio Ann.
-
-
-----------
Asset Turnover Ann. %
-
-
-0.30.30.30.30.30.30.30.30.30.3
Working Capital Turnover Ann.
-
-
178.9106.8-120.5-1.9-3.3-2.7-2-1.8-2.4-1.5-2.8
Quick Ratio Ann.
-
-
-0.90.80.20.30.30.20.20.30.20.5
Current Ratio Ann.
-
-
-1.110.20.40.30.30.30.40.30.6
Interest Coverage Ratio Ann.
-
-
-0.603.23.92.521.71.71.31.4
LT Debt To Equity Ann.
-
-
-4.83.51.82.12.22.73.34.93.84.2
*All financials are in USD Million and price data in USD
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Encore Cap Grp Inc cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

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  • NEGATIVE

    Cash From Operating Activity Encore Cap Grp Inc Dec-2025 Cash From Operating Activity is $153 Million which is growth of -1.9% YoY.

  • NEGATIVE

    Net Cash Flow Encore Cap Grp Inc Dec-2025 Net Cash Flow is $-45 Million which is growth of -232.9% YoY.

Encore Capital Group, Inc., Cash Flow, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
-10.1%
-13.3%
153.2156.2153210.7303.1312.9244.7186.8123.8128.2114.4
⌄
-
-
-242.6-440.4-401.9-130.2339.982.8-202.3-397.5-452.1-183.5-472.7
⌄
-
-
44.9317.8268.3-107.4-655.7-403.2-19.8166.4378.243.3401.8
Cash Plus Cash Eqv. End Of Year Ann.
2.9%
-3.7%
156.8199.9158.4143.9189.6189.2192.3157.4212.1149.8153.6
Net Increase In Cash Plus Cash Eqv.s Ann.
-
-
-44.533.519.4-27-12.7-7.522.6-44.449.94.843.6
Cash Plus Cash Eqv. Begin Of Year Ann.
1.8%
0.8%
199.9158.4143.9189.6189.2192.3157.4212.1149.8153.6124.2
Income Tax Paid Supplemental Data Ann.
-8.4%
-9.2%
54.867.168.571.34288.84430.344.460.184.1
Interest Paid Supplemental Data Ann.
25.5%
8.9%
259.8210.6163.8131.4132.4169.6179198.8162.5147.9152
Capex Ann.
-
-
-26.3-29.2-51.7-37.2-33.4-34.6-39.6-67.5-28.1-31.7-28.7
Issuance Of Capital Stock Ann.
-
-
-----------
Issuance Of Debt Ann.
31.5%
-10.8%
1,773.33,031.51,530.2779.51,175.73,1341,176.51,142.41,942.71,064.81,406.6
Repayment Of Debt Ann.
-
-
-1,623.7-2,657.2-1,254.9-775.9-1,416.6-3,413.9-1,167.3-716.9-1,497.7-969.3-951.1
Repurchase Of Capital Stock Ann.
-
-
-90.4-87-390.6-----33.2
Free Cash Flow Ann.
-9.9%
-14.5%
126.9127101.3173.5269.7278.3205.1119.395.796.685.8
*All financials are in USD Million and price data in USD
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Cash from Operating Act. Ann.
1Y CHG
-1.9%
2Y CAGR
0.1%
3Y CAGR
-10.1%
5Y CAGR
-13.3%
7Y CAGR
-2.8%
10Y CAGR
3%
Cash from Operating Activity Annual is falling slower than historical averages.
Cash from Financing Act. Ann.
1Y CHG
-85.9%
2Y CAGR
-59.1%
7Y CAGR
-17.1%
10Y CAGR
-19.7%
Cash from Financing Annual Activity is falling faster than historical averages.
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