Encore Cap Group Inc Financials
This page shows Encore Cap Group Inc (ECPG) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Encore Cap Group Inc has an operating margin of 11.9%, meaning the company retains $12 of operating profit per $100 of revenue. This results in a moderate score of 60/100, indicating healthy but not exceptional operating efficiency. This is up from 1.4% the prior year.
Encore Cap Group Inc's revenue grew 7.7% year-over-year to $1.3B, a solid pace of expansion. This earns a growth score of 50/100.
Encore Cap Group Inc has elevated debt relative to equity (D/E of 4.83), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Encore Cap Group Inc has a free cash flow margin of 9.7%, earning a moderate score of 48/100. The company generates positive cash flow after capital investments, but with room for improvement.
Encore Cap Group Inc passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.
For every $1 of reported earnings, Encore Cap Group Inc generates $-1.12 in operating cash flow ($156.2M OCF vs -$139.2M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
Encore Cap Group Inc earns $0.6 in operating income for every $1 of interest expense ($157.3M vs $252.5M). This narrow margin raises concern about the company's ability to service its debt if operating income declines.
Key Financial Metrics
Encore Cap Group Inc generated $1.3B in revenue in fiscal year 2024. This represents an increase of 7.7% from the prior year.
Encore Cap Group Inc's EBITDA was $189.8M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 225.7% from the prior year.
Encore Cap Group Inc generated $127.2M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 0.8% from the prior year.
Encore Cap Group Inc reported -$139.2M in net income in fiscal year 2024. This represents an increase of 32.6% from the prior year.
Encore Cap Group Inc earned $-5.83 per diluted share (EPS) in fiscal year 2024. This represents an increase of 33.1% from the prior year.
Encore Cap Group Inc held $199.9M in cash against $3.7B in long-term debt as of fiscal year 2024.
Encore Cap Group Inc had 24M shares outstanding in fiscal year 2024. This represents an increase of 0.6% from the prior year.
Encore Cap Group Inc's operating margin was 11.9% in fiscal year 2024, reflecting core business profitability. This is up 10.6 percentage points from the prior year.
Encore Cap Group Inc's net profit margin was -10.6% in fiscal year 2024, showing the share of revenue converted to profit. This is up 6.3 percentage points from the prior year.
Encore Cap Group Inc spent $0 on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding.
Encore Cap Group Inc invested $29.0M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 16.9% from the prior year.
ECPG Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $460.4M+4.1% | $442.1M+12.6% | $392.8M+47.9% | $265.6M-25.2% | $355.3M+8.2% | $328.4M+18.4% | $277.4M-10.4% | $309.6M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $39.2M-5.1% | $41.3M+0.8% | $41.0M-21.1% | $52.0M+41.4% | $36.8M+1.5% | $36.2M-1.5% | $36.8M+3.5% | $35.6M |
| Operating Income | $173.2M+14.9% | $150.7M+16.5% | $129.3M+196.4% | -$134.2M-231.8% | $101.8M+21.8% | $83.6M+138.5% | -$217.2M-387.6% | $75.5M |
| Interest Expense | $74.2M+0.4% | $73.9M+4.8% | $70.5M+3.0% | $68.5M+11.6% | $61.4M+10.1% | $55.8M+2.3% | $54.5M+7.8% | $50.6M |
| Income Tax | $25.2M+30.6% | $19.3M+41.2% | $13.7M-10.9% | $15.3M+48.4% | $10.3M+42.4% | $7.3M+876.6% | -$934K-108.7% | $10.7M |
| Net Income | $74.7M+27.1% | $58.7M+25.5% | $46.8M+120.8% | -$225.3M-800.1% | $32.2M+38.5% | $23.2M+108.6% | -$270.8M-1500.1% | $19.3M |
| EPS (Diluted) | $3.17+27.3% | $2.49+29.0% | $1.93+120.6% | $-9.38-800.0% | $1.34+41.1% | $0.95+108.4% | $-11.34-1535.4% | $0.79 |
ECPG Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $5.3B+1.3% | $5.2B+4.5% | $5.0B+3.8% | $4.8B-0.6% | $4.8B+2.8% | $4.7B+1.2% | $4.6B-2.7% | $4.8B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $172.5M-0.2% | $172.9M-7.6% | $187.1M-6.4% | $199.9M-20.3% | $250.6M+44.9% | $173.0M+9.2% | $158.4M+9.4% | $144.7M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $535.6M-1.3% | $542.9M+4.5% | $519.4M+2.3% | $507.8M-15.8% | $602.8M+0.1% | $602.4M-0.7% | $606.5M-26.6% | $826.0M |
| Total Liabilities | $4.3B+0.2% | $4.3B+3.5% | $4.2B+3.2% | $4.0B+5.1% | $3.8B+2.6% | $3.7B+1.1% | $3.7B+3.7% | $3.6B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | $3.7B | N/A | N/A | $3.4B | N/A |
| Total Equity | $952.9M+6.4% | $896.0M+9.4% | $819.1M+6.7% | $767.3M-22.3% | $988.1M+3.6% | $953.9M+1.8% | $936.5M-21.9% | $1.2B |
| Retained Earnings | $1.1B+6.8% | $1.0B+6.1% | $956.7M+5.1% | $909.9M-17.6% | $1.1B+3.0% | $1.1B+2.2% | $1.0B-20.5% | $1.3B |
ECPG Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $81.6M+756.6% | $9.5M-79.0% | $45.3M+92.3% | $23.5M-34.1% | $35.7M-30.0% | $51.0M+38.6% | $36.8M-31.4% | $53.6M |
| Capital Expenditures | $6.0M-4.9% | $6.3M-9.4% | $7.0M-18.3% | $8.6M+15.8% | $7.4M+7.7% | $6.9M-14.7% | $8.0M+10.7% | $7.3M |
| Free Cash Flow | $75.6M+2265.8% | $3.2M-91.7% | $38.3M+155.5% | $15.0M-47.1% | $28.3M-35.8% | $44.1M+53.5% | $28.7M-38.0% | $46.3M |
| Investing Cash Flow | -$45.9M+33.8% | -$69.4M+30.8% | -$100.3M+62.1% | -$264.7M-545.6% | -$41.0M+54.9% | -$90.9M+30.7% | -$131.2M-132.3% | -$56.5M |
| Financing Cash Flow | -$36.7M-178.2% | $46.9M+16.3% | $40.3M-78.5% | $187.3M+123.8% | $83.7M+50.0% | $55.8M-49.0% | $109.4M+444.6% | -$31.8M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
ECPG Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | 37.6%+3.5pp | 34.1%+1.2pp | 32.9%+83.5pp | -50.5%-79.2pp | 28.7%+3.2pp | 25.5%+103.8pp | -78.3%-102.7pp | 24.4% |
| Net Margin | 16.2%+2.9pp | 13.3%+1.4pp | 11.9%+96.7pp | -84.8%-93.9pp | 9.1%+2.0pp | 7.1%+104.7pp | -97.6%-103.9pp | 6.3% |
| Return on Equity | 7.8%+1.3pp | 6.6%+0.8pp | 5.7%+2.8pp | 2.9%-0.3pp | 3.3%+0.8pp | 2.4% | N/A | 1.6% |
| Return on Assets | 1.4%+0.3pp | 1.1%+0.2pp | 0.9%+5.6pp | -4.7%-5.4pp | 0.7%+0.2pp | 0.5%+6.3pp | -5.9%-6.3pp | 0.4% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 4.52-0.3 | 4.79-0.3 | 5.07+0.2 | 4.83+1.0 | 3.87-0.0 | 3.91+0.3 | 3.59+0.6 | 2.97 |
| FCF Margin | 16.4%+15.7pp | 0.7%-9.0pp | 9.8%+4.1pp | 5.6%-2.3pp | 8.0%-5.5pp | 13.4%+3.1pp | 10.4%-4.6pp | 15.0% |
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Frequently Asked Questions
What is Encore Cap Group Inc's annual revenue?
Encore Cap Group Inc (ECPG) reported $1.3B in total revenue for fiscal year 2024. This represents a 7.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Encore Cap Group Inc's revenue growing?
Encore Cap Group Inc (ECPG) revenue grew by 7.7% year-over-year, from $1.2B to $1.3B in fiscal year 2024.
Is Encore Cap Group Inc profitable?
No, Encore Cap Group Inc (ECPG) reported a net income of -$139.2M in fiscal year 2024, with a net profit margin of -10.6%.
What is Encore Cap Group Inc's earnings per share (EPS)?
Encore Cap Group Inc (ECPG) reported diluted earnings per share of $-5.83 for fiscal year 2024. This represents a 33.1% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Encore Cap Group Inc's EBITDA?
Encore Cap Group Inc (ECPG) had EBITDA of $189.8M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Encore Cap Group Inc have?
As of fiscal year 2024, Encore Cap Group Inc (ECPG) had $199.9M in cash and equivalents against $3.7B in long-term debt.
What is Encore Cap Group Inc's operating margin?
Encore Cap Group Inc (ECPG) had an operating margin of 11.9% in fiscal year 2024, reflecting the profitability of core business operations before interest and taxes.
What is Encore Cap Group Inc's net profit margin?
Encore Cap Group Inc (ECPG) had a net profit margin of -10.6% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
What is Encore Cap Group Inc's free cash flow?
Encore Cap Group Inc (ECPG) generated $127.2M in free cash flow during fiscal year 2024. This represents a -0.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Encore Cap Group Inc's operating cash flow?
Encore Cap Group Inc (ECPG) generated $156.2M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Encore Cap Group Inc's total assets?
Encore Cap Group Inc (ECPG) had $4.8B in total assets as of fiscal year 2024, including both current and long-term assets.
What are Encore Cap Group Inc's capital expenditures?
Encore Cap Group Inc (ECPG) invested $29.0M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
How many shares does Encore Cap Group Inc have outstanding?
Encore Cap Group Inc (ECPG) had 24M shares outstanding as of fiscal year 2024.
What is Encore Cap Group Inc's debt-to-equity ratio?
Encore Cap Group Inc (ECPG) had a debt-to-equity ratio of 4.83 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Encore Cap Group Inc's return on assets (ROA)?
Encore Cap Group Inc (ECPG) had a return on assets of -2.9% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Encore Cap Group Inc's Piotroski F-Score?
Encore Cap Group Inc (ECPG) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Encore Cap Group Inc's earnings high quality?
Encore Cap Group Inc (ECPG) has an earnings quality ratio of -1.12x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can Encore Cap Group Inc cover its interest payments?
Encore Cap Group Inc (ECPG) has an interest coverage ratio of 0.6x, meaning it can struggle to cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is Encore Cap Group Inc?
Encore Cap Group Inc (ECPG) scores 40 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.