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ECPG logoEncore Capital Group, Inc.(ECPG)Earnings, Financials & Key Ratios

ECPG•NASDAQ•Banking & Credit
$84.41
$1.83B mkt cap·7.7× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryMortgage FinanceSub-IndustryNon-prime and home equity lenders
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%
Technical→

ECPG Key Insights

Encore Capital Group, Inc. (ECPG) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓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

  • ✗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

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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%
TTM284.45%

EPS CAGR

10 Years20.5%
5 Years10.31%
3 Years13.51%
TTM281.76%

Return on Capital

10 Years9.34%
5 Years8.73%
3 Years5.4%
Last Year12.31%

ECPG Recent Earnings

Encore Capital Group, Inc. (ECPG) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 5/12 qtrs (42%)
Q1 2026Latest
Feb 25, 2026
EPS
$3.37
Est $2.20
+53.2%
Revenue
$474M
Est $422M
+12.2%
Q4 2025
Nov 5, 2025
EPS
$3.17
Est $1.92
+65.1%
Revenue
$460M
Est $423M
+8.8%
Q3 2025
Aug 6, 2025
EPS
$2.49
Est $1.44
+72.9%
Revenue
$442M
Est $393M
+12.4%
Q2 2025
May 7, 2025
EPS
$1.93
Est $1.24
+55.6%
Revenue
$393M
Est $374M
+4.9%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q1 2026LatestFeb 25, 2026
$3.37vs $2.20+53.2%
$474Mvs $422M+12.2%
Q4 2025Nov 5, 2025
$3.17vs $1.92+65.1%
$460Mvs $423M+8.8%
Q3 2025Aug 6, 2025
$2.49vs $1.44+72.9%
$442Mvs $393M+12.4%
Q2 2025May 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

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
PRA logoPRAProAssurance CorporationDirect Competitor1.27B24.6624.91-2.67%4.69%3.95%0.33
PRAA logoPRAAPRA Group, Inc.Direct Competitor834.15M21.38-2.7410.36%-24.6%-25.96%0.03
FCFS logoFCFSFirstCash Holdings, IncDirect Competitor9.92B224.7230.298.04%9.02%15.91%4.73%1.24
RM logoRMRegional Management Corp.Direct Competitor327.39M34.847.839.7%6.88%13.16%92.95%4.65
SLM logoSLMSLM CorporationProduct Competitor4.47B22.546.514.1%23.95%31.01%12.89%2.39
CACC logoCACCCredit Acceptance CorporationProduct Competitor5.48B525.6714.008.57%18.29%29.39%19.22%4.17
ALLY logoALLYAlly Financial Inc.Product Competitor13.33B43.2118.23-25.75%7.01%5.5%1.40
COF logoCOFCapital One Financial CorporationProduct Competitor117.42B189.6847.0728.39%3.54%2.44%22.26%0.45

Compare ECPG vs Peers

Encore Capital Group, Inc. (ECPG) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs PRA

Most directly comparable listed peer for ECPG.

Scale Benchmark

vs COF

Larger-name benchmark to compare ECPG against a more recognizable public peer.

Peer Set

Compare Top 5

vs PRA, PRAA, FCFS, RM

ECPG Income Statement

Encore Capital Group, Inc. (ECPG) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income-204.16M-237.35M-217.77M-209.36M-169.65M-153.31M-201.88M-252.54M-287.63M
NII Growth %-9.91%-16.26%8.25%3.86%18.97%9.63%-31.68%-25.1%-13.89%
Net Interest Margin %-4.55%-5.12%-4.44%-4.3%-3.68%-3.4%-4.36%-5.27%-5.39%
Interest Income000000000
Interest Expense204.16M237.35M217.77M209.36M169.65M153.31M201.88M252.54M287.63M
Loan Loss Provision355.34M384.86M425.13M457.64M516.87M475.34M449.56M460.26M259.11M
Non-Interest Income1.19B1.36B1.4B1.5B1.61B1.4B1.22B1.32B1.76B
Non-Interest Income %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%
Revenue Growth %15.33%14.74%2.62%7.42%7.53%-13.39%-12.56%7.66%33.89%
Non-Interest Expense303M334.51M308.44M300.84M294.71M307.53M554.7M446.23M592.22M
Efficiency Ratio25.53%24.56%22.07%20.04%18.25%21.99%45.37%33.9%33.6%
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%
Operating Margin %27.34%29.76%31.93%35.54%39.22%33.05%1.35%11.95%35.38%
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%
Pretax Margin %11.05%11.49%14.4%18.84%27.04%22.24%-14.74%-7.31%19.07%
Income Tax52.05M46.75M32.33M70.37M85.34M116.42M26.23M43.03M79.33M
Effective Tax Rate %39.66%29.88%16.07%24.88%19.55%37.44%-14.55%-44.72%23.6%
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%
Net Margin %7.01%8.51%12.01%14.11%21.73%13.91%-16.89%-10.58%14.57%
Net Income Growth %8.7%39.24%44.86%26.2%65.58%-44.53%-206.13%32.57%284.45%
Net Income (Continuing)79.18M109.74M168.91M212.52M351.2M194.56M-206.49M-139.24M256.83M
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%
EPS Growth %6.42%28.89%31.28%25.33%68.56%-33.75%-216.89%33.14%287.14%
EPS (Basic)3.204.095.386.7411.648.06-8.72-5.8311.05
Diluted Shares Outstanding26.41M28.57M31.47M31.71M31.15M26.09M23.67M23.87M23.53M

ECPG Balance Sheet

Encore Capital Group, Inc. (ECPG) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments212.14M157.42M192.34M189.18M189.65M143.91M158.36M199.87M156.78M
Cash & Due from Banks212.14M157.42M192.34M189.18M189.65M143.91M158.36M199.87M156.78M
Short Term Investments000000000
Total Investments2.89B3.14B3.28B3.29B3.07B3.09B3.47B3.78B0
Investments Growth %21.31%8.55%4.66%0.24%-6.88%0.74%12.31%8.88%-100%
Long-Term Investments2.89B3.14B3.28B3.29B3.07B3.09B3.47B3.78B0
Accounts Receivables00000003.78B4.37B
Goodwill & Intangibles1B928.71M935.56M951.97M934.12M843.33M606.52M507.81M536.29M
Goodwill928.99M868.13M884.18M906.96M897.79M821.21M606.48M507.81M536.29M
Intangible Assets75.74M60.58M51.37M45.01M36.32M22.11M48K00
PP&E (Net)76.28M115.52M195.31M199.46M188.67M183.97M170.98M138.69M82.08M
Other Assets363.92M328.01M205.53M109.67M109.82M166.09M158.19M112.58M0
Total Current Assets212.14M157.42M265.44M278.29M258.51M208.64M209.09M245.87M4.53B
Total Non-Current Assets4.28B4.47B4.64B4.59B4.35B4.3B4.42B4.54B618.37M
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%
Asset Growth %22.35%3.14%6%-0.93%-5.27%-2.17%2.71%3.44%11.48%
Return on Assets (ROA)2.04%2.54%3.52%4.33%7.41%4.27%-4.52%-2.96%5.07%
Accounts Payable284.77M287.94M223.91M000173.93M212.04M0
Total Debt3.45B3.49B3.51B3.28B3B2.9B3.32B3.67B0
Net Debt3.23B3.33B3.32B3.09B2.81B2.75B3.16B3.47B-156.78M
Long-Term Debt3.44B3.37B2.42B2.65B2.48B2.82B3.29B3.67B0
Short-Term Debt0115.38M1.09B627.56M514.11M68.39M29.31M00
Other Liabilities34.03M141.36M147.44M146.89M195.95M231.69M185.99M116.09M0
Total Current Liabilities284.77M287.94M1.31B843.48M743.69M266.61M219.24M233.54M0
Total Non-Current Liabilities3.48B3.52B2.57B2.8B2.68B3.06B3.47B3.79B0
Total Liabilities3.77B3.81B3.88B3.64B3.42B3.33B3.69B4.02B4.36B
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%
Equity Growth %20.55%13.23%25.1%18.98%-2.85%-0.48%-20.61%-18.07%27.29%
Equity / Assets (Capital Ratio)16.12%17.7%20.88%25.08%25.72%26.17%20.23%16.02%18.29%
Return on Equity (ROE)12.57%15.02%18.2%18.87%29.17%16.45%-19.52%-16.34%29.45%
Book Value per Share27.4228.6932.5838.4838.0545.2139.5732.1441.50
Tangible BV per Share-10.64-3.822.858.458.0612.8913.9410.8718.72
Common Stock258K309K311K313K245K233K235K237K217K
Additional Paid-in Capital42.65M208.5M222.59M230.44M0011.05M19.3M0
Retained Earnings616.31M720.19M888.06M1.06B1.24B1.28B1.05B909.93M0
Accumulated OCI-77.36M-110.99M-88.77M-68.81M-53.55M-98.82M-123.92M-162.13M-128.11M
Treasury Stock000000000
Preferred Stock616.31M720.19M0000000

ECPG Cash Flow Statement

Encore Capital Group, Inc. (ECPG) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations123.82M186.79M244.73M312.86M303.05M210.68M152.99M156.17M153.2M
Operating CF Growth %-5%50.86%31.02%27.84%-3.14%-30.48%-27.38%2.08%-1.9%
Net Income79.18M109.74M168.91M212.52M351.2M194.56M-206.49M-139.24M256.83M
Depreciation & Amortization39.98M41.23M41.03M42.78M50.08M46.42M41.74M32.43M28.76M
Deferred Taxes28.97M16.81M20.71M11.9M35.37M46.41M-55.92M-22.28M29.82M
Other Non-Cash Items-5.56M1.77M62.44M83.77M-154.92M-54.4M354.36M243.09M-180.48M
Working Capital Changes-29.14M4.26M-60.91M-54.67M2.99M-37.72M5.45M28.16M0
Cash from Investing-452.13M-397.52M-202.33M82.83M339.9M-130.24M-401.94M-440.43M-242.59M
Purchase of Investments-1.05B-1.13B-1.04B-644.05M-657.28M-790.57M-1.09B00
Sale/Maturity of Investments1000K1000K1000K1000K1000K1000K1000K00
Net Investment Activity-1.04B-1.13B-1.03B-643.05M-656.28M-789.57M-1.09B00
Acquisitions-96.39M-1.88M0000000
Other Investing8.79M-6.76M6.82M24.34M10.92M27.72M78.74M-411.42M-216.32M
Cash from Financing378.22M166.38M-19.77M-403.2M-655.69M-107.44M268.3M317.77M44.85M
Dividends Paid000000000
Share Repurchases0000-390.61M-87.01M00-90.4M
Stock Issued000000000
Net Stock Activity0000-390.61M-87.01M00-90.4M
Debt Issuance (Net)1000K1000K1000K-1000K-1000K1000K1000K1000K0
Other Financing-57.83M-285.59M-36.18M-40.82M-12.21M-24.02M-7.04M-56.48M44.85M
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%
Exchange Rate Effect1000K-1000K1000K1000K1000K-1000K-1000K1000K1000K
Cash at Beginning149.76M212.14M157.42M192.34M189.18M189.65M143.91M158.36M199.87M
Cash at End212.14M157.42M192.34M189.18M189.65M143.91M158.36M199.87M156.78M
Interest Paid162.54M198.8M178.95M169.55M132.4M131.39M163.81M210.58M0
Income Taxes Paid42.38M5.73M43.97M88.82M42.04M71.28M68.52M67.09M0
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%
FCF Growth %-3.01%24.69%71.92%35.65%-3.08%-50.27%-24.48%25.55%-0.18%

ECPG Banking Ratios

Encore Capital Group, Inc. (ECPG) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)12.26%12.57%15.02%18.2%18.87%29.17%16.45%-19.52%-16.34%29.45%
Return on Assets (ROA)1.94%2.04%2.54%3.52%4.33%7.41%4.27%-4.52%-2.96%5.07%
Net Interest Margin-5.06%-4.55%-5.12%-4.44%-4.3%-3.68%-3.4%-4.36%-5.27%-5.39%
Efficiency Ratio26.2%25.53%24.56%22.07%20.04%18.25%21.99%45.37%33.9%33.6%
Equity / Assets16.36%16.12%17.7%20.88%25.08%25.72%26.17%20.23%16.02%18.29%
Book Value / Share23.1827.4228.6932.5838.4838.0545.2139.5732.1441.5
NII Growth-26.94%-9.91%-16.26%8.25%3.86%18.97%9.63%-31.68%-25.1%-13.89%

ECPG SEC Filings & Documents

Encore Capital Group, Inc. (ECPG) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Mar 20, 2026·SEC

Material company update

Feb 25, 2026·SEC

Material company update

Nov 5, 2025·SEC

10-K Annual Reports

3
FY 2026

Feb 25, 2026·SEC

FY 2025

Feb 26, 2025·SEC

FY 2024

Feb 21, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 5, 2025·SEC

FY 2025

Aug 6, 2025·SEC

FY 2025

May 7, 2025·SEC

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 $256.8M 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.

Explore More ECPG

Encore Capital Group, Inc. (ECPG) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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