ECPG

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Encore Capital Group Inc

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Key Metrics

Previous Close: $101.26
52-Week Range: $39.95 – $104.98
Market Cap: $2.08B
P/E (TTM): 7.70
EPS (TTM): 12.75
Dividend Yield: —

Advanced Metrics

Price/Book: 1.93
PEG Ratio: 0.17
Return on Equity: 30.54%
Return on Assets: 8.34%
Gross Margin: 100.00%
Operating Margin: 38.00%
Profit Margin: 15.86%
Current Ratio: 11.38
Debt/Equity: 3.88
Total Debt: $4.19B
Free Cash Flow: $-157.00M
Revenue Growth: 11.30%
Earnings Growth: 12.90%
Enterprise Value: $6.08B

ECPG Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$1.40B	$1.22B	$1.32B	$1.77B
Cost of Revenue	$628.65M	$651.44M	$712.80M	$802.97M
Gross Profit	$769.70M	$571.24M	$603.56M	$965.83M
Selling, General & Admin	$145.80M	$144.86M	$163.85M	$165.95M
Operating Expenses	$303.45M	$297.78M	$327.08M	$339.18M
Operating Income	$466.25M	$273.46M	$276.47M	$626.65M
EBITDA	$510.72M	$63.35M	$174.00M	$645.39M
Pretax Income	$310.99M	-$180.26M	-$96.22M	$336.16M
Income Tax	$116.42M	$26.23M	$43.03M	$79.33M
Net Income	$194.56M	-$206.49M	-$139.24M	$256.83M
Diluted EPS	7.46	-8.72	-5.83	10.91
Diluted Shares	26.09M	23.67M	23.87M	23.53M

ECPG Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$143.91M	$158.36M	$199.87M	$156.78M
Receivables	$16.09M	$9.08M	$29.87M	$34.24M
Current Assets	$208.64M	$200.01M	$275.73M	$240.15M
Total Assets	$4.51B	$4.63B	$4.79B	$5.34B
Current Liabilities	$266.61M	$219.24M	$233.54M	$230.26M
Long-Term Debt	$2.82B	$3.29B	$3.67B	$4.00B
Total Debt	$2.90B	$3.32B	$3.67B	$4.00B
Total Liabilities	$3.33B	$3.69B	$4.02B	$4.36B
Retained Earnings	$1.28B	$1.05B	$909.93M	$1.10B
Shareholders' Equity	$1.18B	$936.54M	$767.33M	$976.75M
Working Capital	-$57.97M	-$19.23M	$42.19M	$9.88M
Net Debt	$2.75B	$3.16B	$3.47B	$3.84B

ECPG Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$210.68M	$152.99M	$156.17M	$153.20M
Capital Expenditure	-$76.56M	-$51.71M	-$29.22M	-$26.27M
Free Cash Flow	$134.12M	$101.28M	$126.95M	$126.93M
Depreciation & Amortisation	$46.42M	$41.74M	$32.43M	$28.76M
Stock-Based Compensation	$15.40M	$13.85M	$14.01M	$18.27M
Investing Cash Flow	-$130.24M	-$401.94M	-$440.43M	-$242.59M
Financing Cash Flow	-$107.44M	$268.30M	$317.77M	$44.85M
Share Repurchases	-$87.01M	$0.00	$0.00	-$90.40M
Net Change in Cash	-$27.00M	$19.35M	$33.51M	-$44.53M

ECPG Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$392.77M	$442.12M	$460.35M	$473.55M	$475.41M
Cost of Revenue	$180.82M	$205.76M	$203.73M	$212.66M	$210.10M
Gross Profit	$211.96M	$236.36M	$256.62M	$260.89M	$265.31M
Selling, General & Admin	$41.02M	$41.33M	$39.22M	$44.38M	$39.63M
Operating Expenses	$82.61M	$85.63M	$83.45M	$87.50M	$81.32M
Operating Income	$129.34M	$150.73M	$173.18M	$173.39M	$183.99M
EBITDA	$135.00M	$155.84M	$177.58M	$176.96M	$189.28M
Pretax Income	$60.46M	$78.02M	$99.86M	$97.82M	$111.73M
Income Tax	$13.66M	$19.30M	$25.20M	$21.16M	$25.49M
Net Income	$46.80M	$58.72M	$74.66M	$76.66M	$86.24M
Diluted EPS	1.93	2.49	3.17	3.37	3.86
Diluted Shares	24.27M	23.58M	23.52M	22.78M	22.32M

ECPG Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$187.12M	$172.90M	$172.49M	$156.78M	$227.20M
Receivables	—	$31.86M	$36.19M	$34.24M	$30.47M
Current Assets	$238.32M	$248.03M	$251.18M	$240.15M	$305.39M
Total Assets	$4.97B	$5.19B	$5.26B	$5.34B	$5.45B
Current Liabilities	$1.15B	$1.21B	$1.19B	$230.26M	$933.54M
Long-Term Debt	$2.87B	$2.96B	$3.01B	$4.00B	$3.35B
Total Debt	$3.79B	$3.97B	$3.93B	$4.00B	$4.03B
Total Liabilities	$4.15B	$4.30B	$4.31B	$4.36B	$4.42B
Retained Earnings	$956.72M	$1.02B	$1.08B	$1.10B	$1.17B
Shareholders' Equity	$819.06M	$895.97M	$952.91M	$976.75M	$1.03B
Working Capital	-$912.09M	-$966.31M	-$935.95M	$9.88M	-$628.16M
Net Debt	$3.60B	$3.79B	$3.76B	$3.84B	$3.81B

ECPG Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	$45.28M	$9.52M	$81.58M	$16.81M	$82.33M
Capital Expenditure	-$6.99M	-$6.33M	-$6.02M	-$6.93M	-$4.86M
Free Cash Flow	$38.29M	$3.19M	$75.56M	$9.88M	$77.47M
Depreciation & Amortisation	$7.34M	$7.31M	$7.17M	$6.93M	$6.86M
Stock-Based Compensation	$3.42M	$5.28M	$4.34M	$5.22M	$4.58M
Investing Cash Flow	-$100.28M	-$69.37M	-$45.90M	-$27.04M	-$27.41M
Financing Cash Flow	$40.34M	$46.89M	-$36.67M	-$5.70M	$18.61M
Share Repurchases	-$10.00M	-$15.21M	-$10.11M	-$55.07M	-$20.09M
Net Change in Cash	-$14.66M	-$12.96M	-$990.00K	-$15.93M	$73.53M

Market Snapshot

About

Encore Capital Group Inc. is a leading specialty finance company that acquires and manages portfolios of consumer debt, primarily in the United States and internationally. The company purchases charged-off credit card receivables and other types of consumer debt at a discount and works to recover amounts owed through its collection operations. Encore focuses on ethical collection practices and consumer-friendly payment solutions, distinguishing itself through data analytics and customer engagement strategies. The company also provides bankruptcy services and operates in Europe, India, and Latin America.