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Encore Capital Group, Inc.(ECPG)Earnings, Financials & Key Ratios
ECPG•NASDAQ•Banking & Credit
$84.24
$1.8B mkt cap·7.7× P/E·Price updated May 6, 2026
AboutEncore Capital Group, Inc., a specialty finance company, provides debt recovery solutions and other related services for consumers across financial assets worldwide. The company purchases portfolios of defaulted consumer receivables at deep discounts to face value, as well as manages them by working with individuals as they repay their obligations and works toward financial recovery. It is also involved in the provision of early stage collection, business process outsourcing, and contingent collection services, as well as debt servicing and other portfolio management services to credit originator for non-performing loans. The company was incorporated in 1999 and is headquartered in San Diego, California.Show more
- Net Interest Income-$288M-13.9%
- Total Revenue$1.76B+33.9%
- Net Income$257M+284.4%
- Return on Equity29.45%+280.2%
- Net Interest Margin-5.39%-2.2%
- Efficiency Ratio33.6%-0.9%
- ROA5.07%+271.5%
- Equity / Assets18.29%+14.2%
- Book Value per Share41.50+29.1%
- Tangible BV/Share18.72+72.2%
- Debt/Equity4.23-11.6%
ECPG Key Insights
Encore Capital Group, Inc. (ECPG) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 7/9
- ✓Efficient operations: 33.6% efficiency ratio
- ✓Momentum leader: RS Rating 91 (top 9%)
- ✓Well capitalized: 18.3% equity/assets
- ✓Diversified revenue: 100.0% from non-interest income
- ✓Trading near 52-week high
✗Weaknesses
- ✗High debt to equity ratio of 4.2x
- ✗Weak NIM of -5.4%
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
ECPG Price & Volume
Encore Capital Group, Inc. (ECPG) stock price & volume — 10-year historical chart
Loading chart...
ECPG Growth Metrics
Encore Capital Group, Inc. (ECPG) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years4.55%
5 Years3.26%
3 Years8.02%
TTM-
Profit CAGR
10 Years18.99%
5 Years3.93%
3 Years9.7%
TTM356.11%
EPS CAGR
10 Years20.5%
5 Years10.31%
3 Years13.51%
TTM363.6%
Return on Capital
10 Years9.37%
5 Years8.79%
3 Years5.5%
Last Year12.6%
ECPG Recent Earnings
Encore Capital Group, Inc. (ECPG) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 5/12 qtrs (42%)
Q1 2026Latest
Feb 25, 2026EPS
$3.37
Est $2.20
+53.2%
Revenue
$474M
Est $422M
+12.2%
Q4 2025
Nov 5, 2025EPS
$3.17
Est $1.92
+65.1%
Revenue
$460M
Est $423M
+8.8%
Q3 2025
Aug 6, 2025EPS
$2.49
Est $1.44
+72.9%
Revenue
$442M
Est $393M
+12.4%
Q2 2025
May 7, 2025EPS
$1.93
Est $1.24
+55.6%
Revenue
$393M
Est $374M
+4.9%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Feb 25, 2026 | $3.37vs $2.20+53.2% | $474Mvs $422M+12.2% |
| Q4 2025 | Nov 5, 2025 | $3.17vs $1.92+65.1% | $460Mvs $423M+8.8% |
| Q3 2025 | Aug 6, 2025 | $2.49vs $1.44+72.9% | $442Mvs $393M+12.4% |
| Q2 2025 | May 7, 2025 | $1.93vs $1.24+55.6% | $393Mvs $374M+4.9% |
Based on last 12 quarters of dataView full earnings history →
ECPG Peer Comparison
Encore Capital Group, Inc. (ECPG) competitors in Non-prime and home equity lenders — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 PRA | 1.27B | 24.60 | 24.85 | -2.67% | 6.04% | 4.95% | 0.32 | |
 PRAA | 818.67M | 21.29 | -2.73 | 10.36% | -25.96% | 0.03 | ||
 FCFS | 9.99B | 226.38 | 30.51 | 8.04% | 15.91% | 1.24 | ||
 RM | 328.61M | 34.97 | 7.86 | 9.7% | 13.16% | 4.65 | ||
 SLM | 4.46B | 22.53 | 6.51 | 4.1% | 31.01% | 2.39 | ||
 CACC | 5.63B | 539.93 | 14.38 | 8.57% | 29.39% | 4.17 | ||
 ALLY | 13.67B | 44.30 | 18.69 | -25.75% | 5.5% | 1.40 | ||
 COF | 119.72B | 193.40 | 47.99 | 28.39% | 2.44% | 0.45 |
Compare ECPG vs Peers
Encore Capital Group, Inc. (ECPG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
ECPG Income Statement
Encore Capital Group, Inc. (ECPG) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -204.16M | -237.35M | -217.77M | -209.36M | -169.65M | -153.31M | -201.88M | -252.54M | -287.63M | -216.26M |
| NII Growth % | -9.91% | -16.26% | 8.25% | 3.86% | 18.97% | 9.63% | -31.68% | -25.1% | -13.89% | 69.89% |
| Net Interest Margin % | -4.55% | -5.12% | -4.44% | -4.3% | -3.68% | -3.4% | -4.36% | -5.27% | -5.39% | -3.97% |
| Interest Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Expense | 204.16M | 237.35M | 217.77M | 209.36M | 169.65M | 153.31M | 201.88M | 252.54M | 287.63M | 143.21M |
| Loan Loss Provision | 355.34M | 384.86M | 425.13M | 457.64M | 516.87M | 475.34M | 449.56M | 460.26M | 259.11M | 323.63M |
| Non-Interest Income | 1.19B | 1.36B | 1.4B | 1.5B | 1.61B | 1.4B | 1.22B | 1.32B | 1.76B | 1.85B |
| Non-Interest Income % | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Total Revenue | 1.19B▲ 0% | 1.36B▲ 14.7% | 1.4B▲ 2.6% | 1.5B▲ 7.4% | 1.61B▲ 7.5% | 1.4B▼ 13.4% | 1.22B▼ 12.6% | 1.32B▲ 7.7% | 1.76B▲ 33.9% | 1.85B▲ 0% |
| Revenue Growth % | 15.33% | 14.74% | 2.62% | 7.42% | 7.53% | -13.39% | -12.56% | 7.66% | 33.89% | 149.18% |
| Non-Interest Expense | 303M | 334.51M | 308.44M | 300.84M | 294.71M | 307.53M | 554.7M | 446.23M | 592.22M | 703.3M |
| Efficiency Ratio | 25.53% | 24.56% | 22.07% | 20.04% | 18.25% | 21.99% | 45.37% | 33.9% | 33.6% | 37.99% |
| Operating Income | 324.54M▲ 0% | 405.3M▲ 24.9% | 446.35M▲ 10.1% | 533.56M▲ 19.5% | 633.27M▲ 18.7% | 462.17M▼ 27.0% | 16.54M▼ 96.4% | 157.33M▲ 851.5% | 623.56M▲ 296.3% | 681.3M▲ 0% |
| Operating Margin % | 27.34% | 29.76% | 31.93% | 35.54% | 39.22% | 33.05% | 1.35% | 11.95% | 35.38% | 36.8% |
| Operating Income Growth % | 34.38% | 24.88% | 10.13% | 19.54% | 18.69% | -27.02% | -96.42% | 851.5% | 296.34% | - |
| Pretax Income | 131.23M▲ 0% | 156.49M▲ 19.3% | 201.24M▲ 28.6% | 282.9M▲ 40.6% | 436.54M▲ 54.3% | 310.99M▼ 28.8% | -180.26M▼ 158.0% | -96.22M▲ 46.6% | 336.16M▲ 449.4% | 387.43M▲ 0% |
| Pretax Margin % | 11.05% | 11.49% | 14.4% | 18.84% | 27.04% | 22.24% | -14.74% | -7.31% | 19.07% | 20.93% |
| Income Tax | 52.05M | 46.75M | 32.33M | 70.37M | 85.34M | 116.42M | 26.23M | 43.03M | 79.33M | 40.17M |
| Effective Tax Rate % | 39.66% | 29.88% | 16.07% | 24.88% | 19.55% | 37.44% | -14.55% | -44.72% | 23.6% | 10.37% |
| Net Income | 83.23M▲ 0% | 115.89M▲ 39.2% | 167.87M▲ 44.9% | 211.85M▲ 26.2% | 350.78M▲ 65.6% | 194.56M▼ 44.5% | -206.49M▼ 206.1% | -139.24M▲ 32.6% | 256.83M▲ 284.4% | 296.28M▲ 0% |
| Net Margin % | 7.01% | 8.51% | 12.01% | 14.11% | 21.73% | 13.91% | -16.89% | -10.58% | 14.57% | 16% |
| Net Income Growth % | 8.7% | 39.24% | 44.86% | 26.2% | 65.58% | -44.53% | -206.13% | 32.57% | 284.45% | 356.11% |
| Net Income (Continuing) | 79.18M | 109.74M | 168.91M | 212.52M | 351.2M | 194.56M | -206.49M | -139.24M | 256.83M | 296.28M |
| EPS (Diluted) | 3.15▲ 0% | 4.06▲ 28.9% | 5.33▲ 31.3% | 6.68▲ 25.3% | 11.26▲ 68.6% | 7.46▼ 33.7% | -8.72▼ 216.9% | -5.83▲ 33.1% | 10.91▲ 287.1% | 13.27▲ 0% |
| EPS Growth % | 6.42% | 28.89% | 31.28% | 25.33% | 68.56% | -33.75% | -216.89% | 33.14% | 287.14% | 363.6% |
| EPS (Basic) | 3.20 | 4.09 | 5.38 | 6.74 | 11.64 | 8.06 | -8.72 | -5.83 | 11.05 | - |
| Diluted Shares Outstanding | 26.41M | 28.57M | 31.47M | 31.71M | 31.15M | 26.09M | 23.67M | 23.87M | 23.53M | 22.32M |
ECPG Balance Sheet
Encore Capital Group, Inc. (ECPG) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 212.14M | 157.42M | 192.34M | 189.18M | 189.65M | 143.91M | 158.36M | 199.87M | 156.78M | 729.37M |
| Cash & Due from Banks | 212.14M | 157.42M | 192.34M | 189.18M | 189.65M | 143.91M | 158.36M | 199.87M | 156.78M | 227.2M |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 2.89B | 3.14B | 3.28B | 3.29B | 3.07B | 3.09B | 3.47B | 3.78B | 4.39B | 0 |
| Investments Growth % | 21.31% | 8.55% | 4.66% | 0.24% | -6.88% | 0.74% | 12.31% | 8.88% | 16.25% | -66.97% |
| Long-Term Investments | 2.89B | 3.14B | 3.28B | 3.29B | 3.07B | 3.09B | 3.47B | 3.78B | 4.39B | 12.84B |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3.78B | 34.24M | 0 |
| Goodwill & Intangibles | 1B | 928.71M | 935.56M | 951.97M | 934.12M | 843.33M | 606.52M | 507.81M | 536.29M | 529.49M |
| Goodwill | 928.99M | 868.13M | 884.18M | 906.96M | 897.79M | 821.21M | 606.48M | 507.81M | 0 | 529.49M |
| Intangible Assets | 75.74M | 60.58M | 51.37M | 45.01M | 36.32M | 22.11M | 48K | 0 | 536.29M | 0 |
| PP&E (Net) | 76.28M | 115.52M | 195.31M | 199.46M | 188.67M | 183.97M | 170.98M | 138.69M | 138.71M | 79.29M |
| Other Assets | 363.92M | 328.01M | 205.53M | 109.67M | 109.82M | 166.09M | 158.19M | 112.58M | 78.12M | 0 |
| Total Current Assets | 212.14M | 157.42M | 265.44M | 278.29M | 258.51M | 208.64M | 209.09M | 245.87M | 191.03M | 4.66B |
| Total Non-Current Assets | 4.28B | 4.47B | 4.64B | 4.59B | 4.35B | 4.3B | 4.42B | 4.54B | 5.15B | 608.78M |
| Total Assets | 4.49B▲ 0% | 4.63B▲ 3.1% | 4.91B▲ 6.0% | 4.86B▼ 0.9% | 4.61B▼ 5.3% | 4.51B▼ 2.2% | 4.63B▲ 2.7% | 4.79B▲ 3.4% | 5.34B▲ 11.5% | 5.45B▲ 0% |
| Asset Growth % | 22.35% | 3.14% | 6% | -0.93% | -5.27% | -2.17% | 2.71% | 3.44% | 11.48% | 34.23% |
| Return on Assets (ROA) | 2.04% | 2.54% | 3.52% | 4.33% | 7.41% | 4.27% | -4.52% | -2.96% | 5.07% | 5.58% |
| Accounts Payable | 284.77M | 287.94M | 223.91M | 0 | 0 | 0 | 173.93M | 212.04M | 0 | 0 |
| Total Debt | 3.45B | 3.49B | 3.51B | 3.28B | 3B | 2.9B | 3.32B | 3.67B | 4.13B | 0 |
| Net Debt | 3.23B | 3.33B | 3.32B | 3.09B | 2.81B | 2.75B | 3.16B | 3.47B | 3.98B | -227.2M |
| Long-Term Debt | 3.44B | 3.37B | 2.42B | 2.65B | 2.48B | 2.82B | 3.29B | 3.67B | 4.07B | 0 |
| Short-Term Debt | 0 | 115.38M | 1.09B | 627.56M | 514.11M | 68.39M | 29.31M | 0 | 321K | 0 |
| Other Liabilities | 34.03M | 141.36M | 147.44M | 146.89M | 195.95M | 231.69M | 185.99M | 116.09M | 230.88M | 0 |
| Total Current Liabilities | 284.77M | 287.94M | 1.31B | 843.48M | 743.69M | 266.61M | 219.24M | 233.54M | 321K | 0 |
| Total Non-Current Liabilities | 3.48B | 3.52B | 2.57B | 2.8B | 2.68B | 3.06B | 3.47B | 3.79B | 4.36B | 0 |
| Total Liabilities | 3.77B | 3.81B | 3.88B | 3.64B | 3.42B | 3.33B | 3.69B | 4.02B | 4.36B | 4.42B |
| Total Equity | 723.91M▲ 0% | 819.69M▲ 13.2% | 1.03B▲ 25.1% | 1.22B▲ 19.0% | 1.19B▼ 2.9% | 1.18B▼ 0.5% | 936.54M▼ 20.6% | 767.33M▼ 18.1% | 976.75M▲ 27.3% | 1.03B▲ 0% |
| Equity Growth % | 20.55% | 13.23% | 25.1% | 18.98% | -2.85% | -0.48% | -20.61% | -18.07% | 27.29% | 35.22% |
| Equity / Assets (Capital Ratio) | 16.12% | 17.7% | 20.88% | 25.08% | 25.72% | 26.17% | 20.23% | 16.02% | 18.29% | 18.99% |
| Return on Equity (ROE) | 12.57% | 15.02% | 18.2% | 18.87% | 29.17% | 16.45% | -19.52% | -16.34% | 29.45% | 30.7% |
| Book Value per Share | 27.42 | 28.69 | 32.58 | 38.48 | 38.05 | 45.21 | 39.57 | 32.14 | 41.50 | 46.36 |
| Tangible BV per Share | -10.64 | -3.82 | 2.85 | 8.45 | 8.06 | 12.89 | 13.94 | 10.87 | 18.72 | 22.64 |
| Common Stock | 258K | 309K | 311K | 313K | 245K | 233K | 235K | 237K | 217K | 215K |
| Additional Paid-in Capital | 42.65M | 208.5M | 222.59M | 230.44M | 0 | 0 | 11.05M | 19.3M | 0 | 0 |
| Retained Earnings | 616.31M | 720.19M | 888.06M | 1.06B | 1.24B | 1.28B | 1.05B | 909.93M | 1.1B | 0 |
| Accumulated OCI | -77.36M | -110.99M | -88.77M | -68.81M | -53.55M | -98.82M | -123.92M | -162.13M | -128.11M | -132.44M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 616.31M | 720.19M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
ECPG Cash Flow Statement
Encore Capital Group, Inc. (ECPG) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 123.82M | 186.79M | 244.73M | 312.86M | 303.05M | 210.68M | 152.99M | 156.17M | 153.2M | 153.2M |
| Operating CF Growth % | -5% | 50.86% | 31.02% | 27.84% | -3.14% | -30.48% | -27.38% | 2.08% | -1.9% | 57.51% |
| Net Income | 79.18M | 109.74M | 168.91M | 212.52M | 351.2M | 194.56M | -206.49M | -139.24M | 256.83M | 296.28M |
| Depreciation & Amortization | 39.98M | 41.23M | 41.03M | 42.78M | 50.08M | 46.42M | 41.74M | 32.43M | 28.76M | 28.27M |
| Deferred Taxes | 28.97M | 16.81M | 20.71M | 11.9M | 35.37M | 46.41M | -55.92M | -22.28M | 29.82M | 29.82M |
| Other Non-Cash Items | -5.56M | 1.77M | 62.44M | 83.77M | -154.92M | -54.4M | 354.36M | 243.09M | -186.75M | -185.92M |
| Working Capital Changes | -29.14M | 4.26M | -60.91M | -54.67M | 2.99M | -37.72M | 5.45M | 28.16M | 6.27M | 2.37M |
| Cash from Investing | -452.13M | -397.52M | -202.33M | 82.83M | 339.9M | -130.24M | -401.94M | -440.43M | -242.59M | -169.72M |
| Purchase of Investments | -1.05B | -1.13B | -1.04B | -644.05M | -657.28M | -790.57M | -1.09B | 0 | 0 | 0 |
| Sale/Maturity of Investments | 709.42M | 809.69M | 865.58M | 737.13M | 1.02B | 709.18M | 658.13M | 0 | 0 | 0 |
| Net Investment Activity | -336.41M | -321.41M | -169.55M | 93.08M | 362.35M | -81.39M | -428.98M | 0 | 0 | 0 |
| Acquisitions | -96.39M | -1.88M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | 8.79M | -6.76M | 6.82M | 24.34M | 10.92M | 27.72M | 78.74M | -411.42M | -216.32M | -145.58M |
| Cash from Financing | 378.22M | 166.38M | -19.77M | -403.2M | -655.69M | -107.44M | 268.3M | 317.77M | 44.85M | 23.13M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | -390.61M | -87.01M | 0 | 0 | -90.4M | -100.49M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | 0 | 0 | 0 | 0 | -390.61M | -87.01M | 0 | 0 | -90.4M | -100.49M |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | -1000K | -1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Other Financing | -57.83M | -285.59M | -36.18M | -40.82M | -12.21M | -24.02M | -7.04M | -56.48M | -4.14M | -17.74M |
| Net Change in Cash | 62.37M▲ 0% | -54.72M▼ 187.7% | 34.92M▲ 163.8% | -3.15M▼ 109.0% | 461K▲ 114.6% | -45.73M▼ 10020.4% | 14.45M▲ 131.6% | 41.5M▲ 187.2% | -43.08M▼ 203.8% | 40.09M▲ 0% |
| Exchange Rate Effect | 12.47M | -10.37M | 12.29M | 4.36M | 13.2M | -18.73M | -4.9M | 7.99M | 1.45M | -3.57M |
| Cash at Beginning | 149.76M | 212.14M | 157.42M | 192.34M | 189.18M | 189.65M | 143.91M | 158.36M | 199.87M | 156.78M |
| Cash at End | 212.14M | 157.42M | 192.34M | 189.18M | 189.65M | 143.91M | 158.36M | 199.87M | 156.78M | 227.2M |
| Interest Paid | 162.54M | 198.8M | 178.95M | 169.55M | 132.4M | 131.39M | 163.81M | 210.58M | 0 | 92.53M |
| Income Taxes Paid | 42.38M | 5.73M | 43.97M | 88.82M | 42.04M | 71.28M | 68.52M | 67.09M | 0 | 28.03M |
| Free Cash Flow | 95.69M▲ 0% | 119.32M▲ 24.7% | 205.13M▲ 71.9% | 278.26M▲ 35.7% | 269.68M▼ 3.1% | 134.12M▼ 50.3% | 101.28M▼ 24.5% | 127.16M▲ 25.6% | 126.93M▼ 0.2% | 166.11M▲ 0% |
| FCF Growth % | -3.01% | 24.69% | 71.92% | 35.65% | -3.08% | -50.27% | -24.48% | 25.55% | -0.18% | 37.14% |
ECPG Banking Ratios
Encore Capital Group, Inc. (ECPG) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 12.57% | 15.02% | 18.2% | 18.87% | 29.17% | 16.45% | -19.52% | -16.34% | 29.45% | 30.7% |
| Return on Assets (ROA) | 2.04% | 2.54% | 3.52% | 4.33% | 7.41% | 4.27% | -4.52% | -2.96% | 5.07% | 5.58% |
| Net Interest Margin | -4.55% | -5.12% | -4.44% | -4.3% | -3.68% | -3.4% | -4.36% | -5.27% | -5.39% | -3.97% |
| Efficiency Ratio | 25.53% | 24.56% | 22.07% | 20.04% | 18.25% | 21.99% | 45.37% | 33.9% | 33.6% | 37.99% |
| Equity / Assets | 16.12% | 17.7% | 20.88% | 25.08% | 25.72% | 26.17% | 20.23% | 16.02% | 18.29% | 18.99% |
| Book Value / Share | 27.42 | 28.69 | 32.58 | 38.48 | 38.05 | 45.21 | 39.57 | 32.14 | 41.5 | 46.36 |
| NII Growth | -9.91% | -16.26% | 8.25% | 3.86% | 18.97% | 9.63% | -31.68% | -25.1% | -13.89% | 18.08% |
| Dividend Payout | - | - | - | - | - | - | - | - | - | 0% |
ECPG SEC Filings & Documents
Encore Capital Group, Inc. (ECPG) SEC filings — annual & quarterly reports (10-K, 10-Q)
ECPG Frequently Asked Questions
Encore Capital Group, Inc. (ECPG) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Encore Capital Group, Inc. (ECPG) grew revenue by 33.9% over the past year. This is strong growth.
Yes, Encore Capital Group, Inc. (ECPG) is profitable, generating $296.3M in net income for fiscal year 2025 (14.6% net margin).
Dividend & Returns
Encore Capital Group, Inc. (ECPG) has a return on equity (ROE) of 29.5%. This is excellent, indicating efficient use of shareholder capital.
Industry Metrics
Encore Capital Group, Inc. (ECPG) has a net interest margin (NIM) of -5.4%. NIM has been under pressure due to interest rate environment.
Encore Capital Group, Inc. (ECPG) has an efficiency ratio of 33.6%. This is excellent, indicating strong cost control.
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Encore Capital Group, Inc. (ECPG) financial analysis — history, returns, DCA and operating performance tools
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