What is Encore Capital Group, Inc.'s earnings per share (EPS)?

Encore Capital Group, Inc. (ECPG) reported diluted earnings per share of $10.91 for fiscal year 2025. This represents a 287.1% 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.

Encore Capital Group, Inc. (ECPG) Financials

ECPG

Trailing 12 months to June 30, 2026

Revenue $1.9B +29.5% YoY

Net Income $301.7M +439.4% YoY

EPS (Diluted) $13.18 +457.2% YoY

Free Cash Flow $125.1M +30.1% YoY

Market Cap $2.1B as of Oct 10, 2026

Price / Sales 1.1x on $1.9B revenue, trailing 12 months to June 30, 2026

Price / Earnings 7.0x on $301.7M net income, trailing 12 months to June 30, 2026

Price / Book 2.0x on $1.1B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 10, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 5, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 5, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the ECPG SEC filings page.

Encore Capital Group, Inc. (ECPG) reported $1.9B in revenue over the twelve months to Jun 30, 2026, up 29.5% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI ECPG FY2025 2026-10-03

Revenue recovered sharply, but cash generation stayed flat while the business remained heavily debt-financed through the latest year.

The profit-to-cash gap was substantial: net income was $257M while operating cash flow was $153M in the latest year, so reported profit did not translate one-for-one into cash. That matters because operating cash flow was $156M in the prior year even though the company reported a net loss of $139M, indicating cash generation has been relatively stable while accounting results swung.

The sales recovery brought revenue to $1.77B, up from $1.32B previously. Meanwhile, operating margin expanded from 11.9% to 35.4%, so earnings improved more than sales alone would suggest.

The balance sheet remains debt-led: long-term debt was $4.03B against $977M of equity in the latest year. Debt-to-equity was 4.1x, versus 2.6x three years earlier, so the profit rebound has not restored the earlier balance-sheet cushion.

Financial Health Signals

Financial Health Score 38/100

Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Encore Capital Group, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Profitability

Encore Capital Group, Inc. has an operating margin of 35.4%, meaning the company retains $35 of operating profit per $100 of revenue. This strong profitability earns a score of 76/100, reflecting efficient cost management and pricing power. This is up from 11.9% the prior year.

Growth

Encore Capital Group, Inc.'s revenue surged 34.4% year-over-year to $1.8B, reflecting rapid business expansion. This strong growth earns a score of 82/100.

Leverage

Encore Capital Group, Inc. has elevated debt relative to equity (D/E of 4.13), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 9/100, reflecting increased financial risk.

Liquidity

Not available for Encore Capital Group, Inc., and counted as zero in the overall score.

Cash Flow

Encore Capital Group, Inc. has a free cash flow margin of 7.2%, earning a moderate score of 61/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Not available for Encore Capital Group, Inc., and counted as zero in the overall score.

Piotroski F-Score Partial

6/7

Encore Capital Group, Inc. passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Mixed

0.60x

For every $1 of reported earnings, Encore Capital Group, Inc. generates $0.60 in operating cash flow ($153.2M OCF vs $257.0M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Interest Coverage Adequate

2.13x

Encore Capital Group, Inc. earns $2.13 in operating income for every $1 of interest expense ($626.6M vs $293.9M). This adequate coverage means the company can meet its interest obligations, but has limited cushion if earnings fall.

Key Financial Metrics

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Earnings & Revenue

Revenue

$491.9M

YoY+11.3%

QoQ+3.5%

5Y CAGR+2.8%

10Y CAGR+5.4%

Encore Capital Group, Inc. generated $491.9M in revenue in Q2 2026. This represents an increase of 11.3% from the same quarter a year earlier. Against the prior quarter it is up 3.5%.

EBITDA

$194.0M

YoY+22.8%

QoQ+1.7%

5Y CAGR+0.8%

Encore Capital Group, Inc.'s EBITDA was $194.0M in Q2 2026, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 22.8% from the same quarter a year earlier. Against the prior quarter it is up 1.7%.

Net Income

$64.0M

YoY+9.0%

QoQ-25.8%

5Y CAGR-7.9%

10Y CAGR+8.0%

Encore Capital Group, Inc. reported $64.0M in net income in Q2 2026. This represents an increase of 9.0% from the same quarter a year earlier. Against the prior quarter it is down 25.8%.

EPS (Diluted)

$2.81

YoY+12.9%

QoQ-27.2%

5Y CAGR-1.8%

10Y CAGR+9.4%

Encore Capital Group, Inc. earned $2.81 per diluted share (EPS) in Q2 2026. This represents an increase of 12.9% from the same quarter a year earlier. Against the prior quarter it is down 27.2%.

Cash & Balance Sheet

Free Cash Flow

-$37.8M

YoY-1282.6%

QoQ-148.8%

Encore Capital Group, Inc. recorded an outflow of $37.8M in free cash flow in Q2 2026, representing a cash shortfall after capex. This represents a decrease of 1282.6% from the same quarter a year earlier. Against the prior quarter it is down 148.8%.

Cash & Debt

$182.9M

YoY+5.8%

QoQ-19.5%

5Y CAGR-1.6%

10Y CAGR+2.8%

Encore Capital Group, Inc. held $182.9M in cash as of Q2 2026; long-term debt is not reported for that period.

Shares Outstanding

21M

YoY-7.8%

QoQ-1.1%

5Y CAGR-6.9%

10Y CAGR-1.8%

Encore Capital Group, Inc. had 21M shares outstanding in Q2 2026. This represents a decrease of 7.8% from the same quarter a year earlier. Against the prior quarter it is down 1.1%.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Operating Margin

38.0%

YoY+3.9pp

QoQ-0.7pp

5Y change-2.7pp

Encore Capital Group, Inc.'s operating margin was 38.0% in Q2 2026, reflecting core business profitability. This is up 3.9 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.7 percentage points.

Net Margin

13.0%

YoY-0.3pp

QoQ-5.1pp

5Y change-9.6pp

10Y change+2.8pp

Encore Capital Group, Inc.'s net profit margin was 13.0% in Q2 2026, showing the share of revenue converted to profit. This is down 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 5.1 percentage points.

Return on Equity

5.9%

YoY-0.6pp

QoQ-2.4pp

5Y change-1.2pp

10Y change+1.1pp

Encore Capital Group, Inc.'s ROE was 5.9% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.6 percentage points from the same quarter a year earlier. Against the prior quarter it is down 2.4 percentage points.

Gross Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$8.4M

YoY+32.6%

QoQ+72.8%

5Y CAGR+5.1%

10Y CAGR+1.1%

Encore Capital Group, Inc. invested $8.4M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 32.6% from the same quarter a year earlier. Against the prior quarter it is up 72.8%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

ECPG Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

ECPG quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$1.9B	$1.8B+34.4%	$1.3B+7.7%	$1.2B-12.6%	$1.4B-13.4%	$1.6B+7.5%	$1.5B+6.8%	$1.4B+6.5%	$1.3B+15.3%	$1.1B+2.9%	$1.1B-0.9%	$1.1B+7.6%	$1.0B+34.9%	$773.4M+38.9%	$556.8M+24.1%	$448.7M
SG&A Expenses	$162.0M	$165.9M+1.3%	$163.8M+13.1%	$144.9M-0.6%	$145.8M+5.9%	$137.7M-7.7%	$149.1M+0.6%	$148.3M-6.4%	$158.4M+0.2%	$158.1M+17.9%	$134.0M-29.9%	$191.4M+36.7%	$140.0M+27.6%	$109.7M+77.5%	$61.8M+55.4%	$39.8M
Operating Income	$717.5M	$626.6M+298.3%	$157.3M+851.5%	$16.5M-96.4%	$462.2M-27.0%	$633.3M+18.7%	$533.6M+19.5%	$446.3M+10.1%	$405.3M+24.9%	$324.5M+34.4%	$241.5M-14.4%	$282.3M-8.5%	$308.5M+55.5%	$198.4M+27.9%	$155.1M+29.0%	$120.2M
EBITDA	N/A	$655.4M+245.4%	$189.8M+225.7%	$58.3M-88.5%	$508.6M-25.6%	$683.4M+18.6%	$576.3M+18.3%	$487.4M+9.1%	$446.5M+22.5%	$364.5M+31.9%	$276.4M-12.4%	$315.4M-6.0%	$335.6M+58.4%	$211.9M+31.7%	$160.9M+28.9%	$124.8M
Interest Expense	$296.4M	$293.9M+16.4%	$252.5M+25.1%	$201.9M+31.7%	$153.3M-9.6%	$169.6M-19.0%	$209.4M-3.9%	$217.8M-8.3%	$237.4M+16.3%	$204.2M+2.9%	$198.4M+6.3%	$186.6M+11.7%	$166.9M+127.8%	$73.3M+186.6%	$25.6M+21.1%	$21.1M
Income Tax	$90.7M	$79.3M+84.4%	$43.0M+64.1%	$26.2M-77.5%	$116.4M+36.4%	$85.3M+21.3%	$70.4M+117.7%	$32.3M-30.8%	$46.8M-10.2%	$52.0M+36.2%	$38.2M+40.7%	$27.2M-44.1%	$48.6M+7.0%	$45.4M-12.3%	$51.8M+35.9%	$38.1M
Net Income	$301.7M	$257.0M+284.9%	-$139.0M+32.5%	-$206.0M-205.6%	$195.0M-44.4%	$351.0M+65.7%	$211.8M+26.2%	$167.9M+44.9%	$115.9M+39.2%	$83.2M+8.7%	$76.6M+69.6%	$45.1M-56.5%	$103.7M+37.8%	$75.3M+8.4%	$69.5M+14.0%	$61.0M
EPS (Basic)	N/A	$11.05+289.5%	-$5.83+33.1%	-$8.72-208.2%	$8.06-30.8%	$11.64+72.7%	$6.74+25.3%	$5.38+31.5%	$4.09+27.8%	$3.20+7.4%	$2.98+70.3%	$1.75-56.4%	$4.01+31.5%	$3.05+8.9%	$2.80+12.9%	$2.48
EPS (Diluted)	$13.18	$10.91+287.1%	-$5.83+33.1%	-$8.72-216.9%	$7.46-33.7%	$11.26+68.6%	$6.68+25.3%	$5.33+31.3%	$4.06+28.9%	$3.15+6.4%	$2.96+75.1%	$1.69-55.2%	$3.77+31.4%	$2.87+6.7%	$2.69+13.5%	$2.37
Diluted Shares (Avg)	N/A	24M-1.4%	24M+0.9%	24M-9.3%	26M-16.2%	31M-1.8%	32M+0.7%	31M+10.2%	29M+8.2%	26M+1.9%	26M-2.8%	27M-3.1%	27M+4.9%	26M+1.4%	26M+0.6%	26M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$491.9M+11.3%	$475.4M+21.0%	$473.6M+78.3%	$460.4M+25.4%	$442.1M+24.4%	$392.8M+19.6%	$265.6M-4.2%	$367.1M+18.6%
SG&A Expenses	$38.7M-6.3%	$39.6M-3.4%	$44.4M-14.7%	$39.2M+1.1%	$41.3M+12.4%	$41.0M+13.2%	$52.0M+41.3%	$38.8M+9.1%
Operating Income	$186.9M+24.0%	$184.0M+42.3%	$173.4M+229.2%	$173.2M+63.2%	$150.7M+48.0%	$129.3M+54.7%	-$134.2M+38.2%	$106.1M+40.5%
EBITDA	$194.0M+22.8%	$190.8M+39.6%	$180.3M+244.0%	$180.3M+57.9%	$158.0M+44.6%	$136.7M+49.5%	-$125.2M+39.9%	$114.2M+31.8%
Interest Expense	$73.9M0.0%	$73.0M+3.6%	$75.2M+9.8%	$74.2M+11.0%	$73.9M+20.5%	$70.5M+26.5%	$68.5M+25.7%	$66.9M+32.3%
Income Tax	$18.8M-2.3%	$25.5M+86.5%	$21.2M+38.1%	$25.2M+149.1%	$19.3M+86.8%	$13.7M+88.4%	$15.3M+1741.1%	$10.1M-5.6%
Net Income	$64.0M+9.0%	$86.2M+84.3%	$76.8M+134.1%	$74.7M+143.6%	$58.7M+82.5%	$46.8M+101.4%	-$225.1M+16.7%	$30.6M+58.5%
EPS (Basic)	$2.97+18.8%	$3.97+102.6%	$3.39+135.9%	$3.22+151.6%	$2.50+85.2%	$1.96+100.0%	-$9.44+17.5%	$1.28+56.1%
EPS (Diluted)	$2.81+12.9%	$3.86+100.0%	$3.34+135.6%	$3.17+151.6%	$2.49+85.8%	$1.93+103.2%	-$9.37+17.4%	$1.26+59.5%
Diluted Shares (Avg)	23M-3.3%	22M-8.0%	N/A	24M-3.6%	24M-2.2%	24M-0.8%	N/A	24M+0.1%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses.

ECPG Balance Sheet

ECPG quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$5.3B+11.5%	$4.8B+3.4%	$4.6B+2.7%	$4.5B-2.2%	$4.6B-5.3%	$4.9B-0.9%	$4.9B+6.0%	$4.6B+3.1%	$4.5B+22.3%	$3.7B-12.1%	$4.2B+11.3%	$3.8B+39.7%	$2.7B+129.2%	$1.2B+44.2%	$812.5M
Cash & Equivalents	$156.8M-21.6%	$199.9M+26.2%	$158.4M+10.0%	$143.9M-24.1%	$189.6M+0.2%	$189.2M-1.6%	$192.3M+22.2%	$157.4M-25.8%	$212.1M+41.6%	$149.8M+20.8%	$124.0M+35.5%	$91.5M-27.5%	$126.2M+620.8%	$17.5M+117.6%	$8.0M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$3.3M
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$536.3M+5.6%	$507.8M-16.3%	$606.5M-26.1%	$821.2M-8.5%	$897.8M-1.0%	$907.0M+2.6%	$884.2M+1.8%	$868.1M-6.6%	$929.0M+18.3%	$785.0M-15.1%	$924.8M+3.0%	$897.9M+78.1%	$504.2M+809.4%	$55.4M+246.9%	$16.0M
Total Liabilities	$4.4B+8.5%	$4.0B+8.9%	$3.7B+11.0%	$3.3B-2.8%	$3.4B-6.1%	$3.6B-6.2%	$3.9B+1.9%	$3.8B+1.2%	$3.8B+22.7%	$3.1B-12.9%	$3.5B+14.3%	$3.1B+48.1%	$2.1B+172.1%	$765.5M+73.6%	$440.9M
Long-Term Debt	$4.0B+8.7%	$3.7B+10.5%	$3.4B+14.2%	$2.9B-3.7%	$3.1B-9.4%	$3.4B-5.9%	$3.6B+0.3%	$3.6B+1.4%	$3.5B+23.2%	$2.9B-10.7%	$3.2B+16.3%	$2.8B+49.1%	$1.8B+1738.8%	$100.6M	N/A
Total Equity	$976.8M+27.3%	$767.3M-18.1%	$936.5M-20.6%	$1.2B-0.5%	$1.2B-2.7%	$1.2B+19.1%	$1.0B+25.0%	$818.0M+40.6%	$581.9M+4.0%	$559.3M-6.2%	$596.5M-4.3%	$623.0M+8.9%	$571.9M+40.9%	$405.8M+9.2%	$371.5M
Retained Earnings	$1.1B+21.4%	$909.9M-13.3%	$1.0B-17.9%	$1.3B+3.2%	$1.2B+17.3%	$1.1B+18.9%	$888.1M+23.3%	$720.2M+16.9%	$616.3M+9.9%	$560.6M+3.1%	$543.5M+9.1%	$498.4M+26.3%	$394.6M+23.6%	$319.3M+27.8%	$249.9M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$5.6B+7.2%	$5.5B+9.7%	$5.3B+11.5%	$5.3B+5.3%	$5.2B+7.8%	$5.0B+6.0%	$4.8B+3.4%	$5.0B+4.9%
Cash & Equivalents	$182.9M+5.8%	$227.2M+21.4%	$156.8M-21.6%	$172.5M-30.3%	$172.9M-31.0%	$187.1M+8.2%	$199.9M+26.2%	$247.4M+70.9%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$528.7M-2.6%	$529.5M+1.9%	$536.3M+5.6%	$535.6M-14.7%	$542.9M-9.9%	$519.4M-13.8%	$507.8M-16.3%	$628.1M-24.0%
Total Liabilities	$4.5B+4.4%	$4.4B+6.4%	$4.4B+8.5%	$4.3B+9.1%	$4.3B+12.2%	$4.2B+11.2%	$4.0B+8.9%	$3.9B+10.8%
Long-Term Debt	N/A	N/A	$4.0B+8.7%	N/A	N/A	N/A	$3.7B+10.5%	N/A
Total Equity	$1.1B+20.4%	$1.0B+26.3%	$976.8M+27.3%	$952.9M-9.1%	$896.0M-9.3%	$819.1M-14.1%	$767.3M-18.1%	$1.0B-12.6%
Retained Earnings	$1.2B+19.2%	$1.2B+22.0%	$1.1B+21.4%	$1.1B-4.5%	$1.0B-8.1%	$956.7M-10.8%	$909.9M-13.3%	$1.1B-14.0%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

ECPG Cash Flow Statement

ECPG quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$151.3M	$153.2M-1.9%	$156.2M+2.1%	$153.0M-27.4%	$210.7M-30.5%	$303.1M-3.1%	$312.9M+27.8%	$244.7M+31.0%	$186.8M+50.9%	$123.8M-5.0%	$130.3M+12.2%	$116.1M+4.1%	$111.5M+49.2%	$74.8M-24.1%	$98.5M+16.5%	$84.6M
Depreciation & Amortization	N/A	$28.8M-11.3%	$32.4M-22.3%	$41.7M-10.1%	$46.4M-7.3%	$50.1M+17.1%	$42.8M+4.3%	$41.0M-0.5%	$41.2M+3.1%	$40.0M+14.7%	$34.9M+5.2%	$33.2M+22.4%	$27.1M+100.0%	$13.5M+132.0%	$5.8M+25.3%	$4.7M
Stock-Based Compensation	N/A	$18.3M+30.4%	$14.0M+1.1%	$13.9M-10.1%	$15.4M-16.0%	$18.3M+10.7%	$16.6M+31.9%	$12.6M-3.3%	$13.0M+24.8%	$10.4M-17.6%	$12.6M-42.6%	$22.0M+28.1%	$17.2M+35.8%	$12.6M+43.8%	$8.8M+14.1%	$7.7M
Capital Expenditures	$26.2M	$26.3M-9.4%	$29.0M+16.9%	$24.8M-33.4%	$37.2M+11.5%	$33.4M-3.5%	$34.6M-12.6%	$39.6M-41.3%	$67.5M+139.9%	$28.1M-11.2%	$31.7M+10.6%	$28.6M+24.0%	$23.1M+72.0%	$13.4M+114.3%	$6.3M+12.6%	$5.6M
Free Cash Flow	$125.1M	$126.9M-0.2%	$127.2M-0.8%	$128.2M-26.1%	$173.5M-35.7%	$269.7M-3.1%	$278.3M+35.7%	$205.1M+71.9%	$119.3M+24.7%	$95.7M-3.0%	$98.7M+12.7%	$87.5M-1.1%	$88.5M+44.2%	$61.4M-33.5%	$92.3M+16.8%	$79.0M
Investing Cash Flow	-$203.6M	-$242.6M+44.9%	-$440.4M-9.6%	-$401.9M-208.6%	-$130.2M-138.3%	$339.9M+310.4%	$82.8M+140.9%	-$202.3M+49.1%	-$397.5M+12.1%	-$452.1M-167.9%	-$168.8M+64.3%	-$472.7M+37.4%	-$755.2M-247.6%	-$217.2M+36.8%	-$343.8M-290.3%	-$88.1M
Financing Cash Flow	$64.5M	$44.9M-85.9%	$317.8M+18.4%	$268.3M+349.7%	-$107.4M+83.6%	-$655.7M-62.6%	-$403.2M-1939.5%	-$19.8M-111.9%	$166.4M-56.0%	$378.2M+774.4%	$43.3M-89.2%	$400.1M-36.1%	$626.3M+154.6%	$246.0M-3.4%	$254.7M+39026.4%	$651K
Share Buybacks	N/A	$90.4M	$0	$0-100.0%	$87.0M-77.7%	$390.6M	$0	$0	N/A	$0	$0-100.0%	$33.2M+97.4%	$16.8M+2206.6%	$729K-98.5%	$49.3M	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	-$29.4M-408.5%	$82.3M+81.8%	$16.8M-28.6%	$81.6M+77.6%	$9.5M-73.3%	$45.3M-11.2%	$23.5M-36.0%	$45.9M-14.3%
Depreciation & Amortization	$7.1M-2.7%	$6.9M-6.6%	$6.9M-22.7%	$7.2M-12.1%	$7.3M-2.0%	$7.3M-6.4%	$9.0M0.0%	$8.2M-27.1%
Stock-Based Compensation	N/A	$4.6M+33.6%	N/A	N/A	N/A	$3.4M+2.0%	N/A	N/A
Capital Expenditures	$8.4M+32.6%	$4.9M-30.5%	$6.9M-19.0%	$6.0M-2.9%	$6.3M-14.3%	$7.0M+1.9%	$8.6M+6.4%	$6.2M-14.6%
Free Cash Flow	-$37.8M-1282.6%	$77.5M+102.3%	$9.9M-34.1%	$75.6M+90.2%	$3.2M-88.7%	$38.3M-13.2%	$15.0M-47.8%	$39.7M-14.2%
Investing Cash Flow	-$103.2M-48.8%	-$27.4M+72.7%	-$27.0M+89.8%	-$45.9M-4.7%	-$69.4M-69.2%	-$100.3M-10.3%	-$264.7M-101.7%	-$43.8M+22.4%
Financing Cash Flow	$88.2M+88.1%	$18.6M-53.9%	-$5.7M-103.0%	-$36.7M-307.3%	$46.9M-44.0%	$40.3M-27.7%	$187.3M+71.2%	-$9.0M+71.6%

Not reported in any period shown, so not listed: Dividends Paid, Share Buybacks.

ECPG Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

ECPG quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Margin	35.4%+23.5pp	11.9%+10.6pp	1.4%-31.7pp	33.1%-6.2pp	39.2%+3.7pp	35.5%+3.8pp	31.8%+1.1pp	30.7%+2.4pp	28.3%+6.6pp	21.7%-3.4pp	25.1%-4.4pp	29.6%+3.9pp	25.7%-2.2pp	27.9%+1.1pp	26.8%
Net Margin	14.5%+25.1pp	-10.6%+6.3pp	-16.9%-30.8pp	14.0%-7.8pp	21.7%+7.6pp	14.1%+2.2pp	11.9%+3.2pp	8.8%+1.5pp	7.3%+0.4pp	6.9%+2.9pp	4.0%-5.9pp	9.9%+0.2pp	9.7%-2.7pp	12.5%-1.1pp	13.6%
Return on Equity	26.3%+44.4pp	-18.1%+3.9pp	-22.0%-38.5pp	16.5%-13.1pp	29.6%+12.2pp	17.4%+1.0pp	16.4%+2.3pp	14.2%-0.1pp	14.3%+0.6pp	13.7%+6.1pp	7.6%-9.1pp	16.7%+3.5pp	13.2%-3.9pp	17.1%+0.7pp	16.4%
Return on Assets	4.8%+7.7pp	-2.9%+1.5pp	-4.5%-8.8pp	4.3%-3.3pp	7.6%+3.3pp	4.3%+0.9pp	3.4%+0.9pp	2.5%+0.7pp	1.8%-0.2pp	2.1%+1.0pp	1.1%-1.7pp	2.8%0.0pp	2.8%-3.1pp	5.9%-1.6pp	7.5%
Debt-to-Equity	4.13-0.7x	4.83+1.2x	3.59+1.1x	2.49-0.1x	2.58-0.2x	2.77-0.7x	3.51-0.9x	4.37-1.7x	6.06+0.9x	5.12-0.3x	5.38+1.0x	4.43+1.2x	3.23+3.0x	0.25-0.9x	1.19
Asset Turnover	0.33+0.1x	0.270.0x	0.260.0x	0.310.0x	0.350.0x	0.310.0x	0.290.0x	0.290.0x	0.260.0x	0.300.0x	0.270.0x	0.280.0x	0.29-0.2x	0.48-0.1x	0.55
FCF Margin	7.2%-2.5pp	9.7%-0.8pp	10.5%-1.9pp	12.4%-4.3pp	16.7%-1.8pp	18.5%+3.9pp	14.6%+5.6pp	9.0%+0.7pp	8.3%-0.5pp	8.9%+1.1pp	7.8%-0.7pp	8.5%+0.6pp	7.9%-8.6pp	16.6%-1.0pp	17.6%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Margin	38.0%+3.9pp	38.7%+5.8pp	36.6%+87.1pp	37.6%+8.7pp	34.1%+5.4pp	32.9%+7.5pp	-50.5%+27.8pp	28.9%+4.5pp
Net Margin	13.0%-0.3pp	18.1%+6.2pp	16.2%+101.0pp	16.2%+7.9pp	13.3%+4.2pp	11.9%+4.8pp	-84.7%+12.7pp	8.3%+2.1pp
Return on Equity	5.9%-0.6pp	8.3%+2.6pp	7.9%+37.2pp	7.8%+4.9pp	6.6%+3.3pp	5.7%+3.3pp	-29.3%-0.5pp	2.9%+1.3pp
Return on Assets	1.1%0.0pp	1.6%+0.6pp	1.4%+6.1pp	1.4%+0.8pp	1.1%+0.5pp	0.9%+0.4pp	-4.7%+1.1pp	0.6%+0.2pp
Debt-to-Equity	4.16-0.6x	4.27-0.8x	4.13-0.7x	4.52+0.8x	4.79+0.9x	5.07+1.2x	4.83+1.2x	3.76+0.8x
Asset Turnover	0.090.0x	0.090.0x	0.090.0x	0.090.0x	0.090.0x	0.080.0x	0.060.0x	0.070.0x
FCF Margin	-7.7%-8.4pp	16.3%+6.6pp	2.1%-3.6pp	16.4%+5.6pp	0.7%-7.2pp	9.8%-3.7pp	5.6%-4.7pp	10.8%-4.1pp

Not reported in any period shown, so not listed: Gross Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Encore Capital Group, Inc. ECPG	FY2025	$1.8B	$257.0M	14.5%	$2.1B	38/100
Atlanticus Holdings Corporation ATLC	FY2025	$1.7B	$120.6M	7.2%	$1.4B	15/100
LexinFintech Holdings Ltd. LX	FY2025	$1.9B	$239.8M	12.8%	$116.0M	43/100
Ezcorp Inc EZPW	FY2025	$1.3B	$109.6M	8.6%	$2.0B	72/100
World Acceptance Corp WRLD	FY2026	$585.2M	$34.6M	5.9%	$817.8M	28/100
OppFi Inc. OPFI	FY2025	$381.2M	$26.3M	6.9%	$505.3M	44/100

Where Encore Capital Group, Inc. Ranks

Frequently Asked Questions

What is Encore Capital Group, Inc.'s annual revenue?

Encore Capital Group, Inc. (ECPG) reported $1.8B in total revenue for fiscal year 2025. This represents a 34.4% 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 Capital Group, Inc.'s revenue growing?

Encore Capital Group, Inc. (ECPG) revenue grew by 34.4% year-over-year, from $1.3B to $1.8B in fiscal year 2025.

Is Encore Capital Group, Inc. profitable?

Yes, Encore Capital Group, Inc. (ECPG) reported a net income of $257.0M in fiscal year 2025, with a net profit margin of 14.5%.

What is Encore Capital Group, Inc.'s EBITDA?

Encore Capital Group, Inc. (ECPG) had EBITDA of $655.4M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

How much debt does Encore Capital Group, Inc. have?

As of fiscal year 2025, Encore Capital Group, Inc. (ECPG) had $156.8M in cash and equivalents against $4.0B in long-term debt.

What is Encore Capital Group, Inc.'s operating margin?

Encore Capital Group, Inc. (ECPG) had an operating margin of 35.4% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is Encore Capital Group, Inc.'s net profit margin?

Encore Capital Group, Inc. (ECPG) had a net profit margin of 14.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Encore Capital Group, Inc.'s return on equity (ROE)?

Encore Capital Group, Inc. (ECPG) has a return on equity of 26.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Encore Capital Group, Inc.'s free cash flow?

Encore Capital Group, Inc. (ECPG) generated $126.9M in free cash flow during fiscal year 2025. This represents a -0.2% 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 Capital Group, Inc.'s operating cash flow?

Encore Capital Group, Inc. (ECPG) generated $153.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Encore Capital Group, Inc.'s total assets?

Encore Capital Group, Inc. (ECPG) had $5.3B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Encore Capital Group, Inc.'s capital expenditures?

Encore Capital Group, Inc. (ECPG) invested $26.3M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Encore Capital Group, Inc. buy back shares?

Yes, Encore Capital Group, Inc. (ECPG) spent $90.4M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Encore Capital Group, Inc. have outstanding?

Encore Capital Group, Inc. (ECPG) had 21M shares outstanding as of fiscal year 2025.

What is Encore Capital Group, Inc.'s debt-to-equity ratio?

Encore Capital Group, Inc. (ECPG) had a debt-to-equity ratio of 4.13 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Encore Capital Group, Inc.'s return on assets (ROA)?

Encore Capital Group, Inc. (ECPG) had a return on assets of 4.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Encore Capital Group, Inc.'s P/E ratio?

Encore Capital Group, Inc. (ECPG) trades at 7.0x earnings, its market capitalization divided by net income of $301.7M net income, trailing 12 months to June 30, 2026. The market capitalization is $2.1B as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Encore Capital Group, Inc.'s price-to-sales ratio?

Encore Capital Group, Inc. (ECPG) trades at 1.1x sales, its market capitalization divided by revenue of $1.9B revenue, trailing 12 months to June 30, 2026. The market capitalization is $2.1B as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Encore Capital Group, Inc.'s Piotroski F-Score?

Encore Capital Group, Inc. (ECPG) has a Piotroski F-Score of 6 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Encore Capital Group, Inc.'s earnings high quality?

Encore Capital Group, Inc. (ECPG) has an earnings quality ratio of 0.60x, 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 Capital Group, Inc. cover its interest payments?

Encore Capital Group, Inc. (ECPG) has an interest coverage ratio of 2.13x, meaning it can adequately 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 Capital Group, Inc.?

Encore Capital Group, Inc. (ECPG) scores 38 out of 100 on our Financial Health Score, indicating weak standing within its operating companies peer group. The score is a 0-100 composite of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.